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    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Successful Claims


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If you have been successful in your claim with HSBC but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.

 

This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue HSBC themselves.

 

If you can't PM a mod for whatever reason then just reply to this thread.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 2 months later...
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Hi, I started my mission back in July. What really helped move things along was using my online banking messaging facilities. I guess the 'agents' dont like open tickets, but who knows. But the good news is that after going for 1160 in charges over the last 6 years I got a letter offering 1026. which I have taken. Thanks for your help and good luck everyone else, all the best Wayne

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  • 1 month later...

Sent 1st letter to Leeds Service centre on 2nd January 14 Days up yesterday

when i got home there was a nice letter from Mr Langdale making an offer

i claimed £2200 (+600 interest) and got back £1890 (roughly 85%).

 

Got put through to own branch today (first time in years) to ask how it is made up and was told

 

a) it is not shown on your banking record (although may do when they receive your accpetance)

b)They have had to set up a seperate office and team in Leeds to cope with all the claims.

 

Nice to know that this site has helped reduce unemployment

 

A very happy customer

 

P.s from latest offers posted from HSBC seems around 85% of amount claimed is what they are offering

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  • 2 weeks later...

I received an offer of £4,400 (which includes interest and £120 court costs, though not moneyclaim online charge) and after they minused £82.50 which they claim were outside the 6 year limitation period for bringing claims. It may be outside now but cetainly wasn't when I brought my claim to their attention last year.

 

I may accept their poor calculation, but not sure I should...

 

I guess I will also have to submit a new claim for all illegal charges since the claim period ended.

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  • 2 weeks later...

Dear all,

 

I have been with hsbc for over 8 year and they have chrged me alot of times for being overdrawn. I'm glad i've found this site so hopefully i'll claim it all back. Just looking to send of my first letter.

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Prelim: 17th Jan.- Reply 31st Jan - looking into matters raised.

LBA: 31st Jan - Reply 15th Feb - Offer of 92.77%

 

exactly 4 weeks on, i have an offer for over 90% and am so grateful for the advice. Cant believe how easy it was to reclaim over £1600.00 !!

 

If you havent started yet, CRACK ON !! and GOOD LUCK !

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Have just had £2,824.69 returned to my account. Started claim 18th October, they did not even answer 1st letter, 2nd one sent, no reply, started small claim action, they defended it, wrote to me via solicitor, I filled in another form to go to court and recieved letter from solicitor to say 'they were making an ex-gratia payment, but were not admitting liabilty'. The above amount included interest at 8%, so I recieved more back than they had taken! result:)

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Hi all

 

Just thought I'd update you, recieved on offer over the weekend for the full amount just over £4,000.

 

Timescale of events

 

First letter sent 10th December

MCOL Recieved 8th January

Defence Entered 5th February

AQ Due 25th February

Settlement made 17th February

 

Thanks for all the great advise from this site i'll be making my donation once the money's in the bank.

 

Good luck to everyone.... It's really does pay to be patient

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Bank: HSBC

Charges claimed : £325 (i didnt bother with interest)

Charges received: £350 (as between sending letter and response another charge came through)

 

Yippie victory and surprisingly easily. Luckily I didnt have to get my statements as i had them all. So it was sending the claims letter from this site (23rd Jan 07). Within days a reply that they were looking into it. Should have had a reply last Friday but gave them some time. And this morning I received the message that they would refund my charges. Just have to sign a form, send it back and get paid :j

 

Only one missing is prepaid envelop or respond address LOL

 

The only interesting quote is in there first paragraph.

 

"In circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or over an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are set out in our published price list. The circumstances in which the fee will apply are set out in our Personal Banking terms and conditions that you were provided with a copy of when you opened your account. If you claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees." :cool:

 

However because I only claim a small amount they guess its better to pay than go to court. :rotfl:

 

Find something to enjoy every day.

 

[20190624]

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Hi

 

I started claiming against HSBC on 19th January - received a letter today saying they would offer £626 (as someone else said that's about 85% of the total claimed). I'm quite happy to accept that so sent the form off today.

 

However, a few days ago I received a seperate letter, seemingly from my branch, that just said they wanted to contact me about a 'Financial Review" - when I rang the 0845 number they didn't know what I was talking about and couldn't help, but now I'm worried they're going to close my account. Is this likely? Has it happened to anyone else? I do have a £1500 overdraft so maybe they want me to get rid of that.

 

Any advice welcomed!

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Just put in my letter today 26th Jan. I'm claiming for £2,714 in total so will let you know. Opened a 'cash account' with Barclay's today, no debit card or anything but just wanted something to fall back on. Will report back in 14 days!

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I started back in December claiming £1013.73 thats including £80 to file the papers, I recieved a letter yesterday from DG solicitors saying that there client is willing to settle in full, but of course not admitting liability,blah blah

 

thanks to everyone for all of the advice given.

 

Good luck to everyone

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Hi,

 

 

Put in a claim for £1071 with the LBA, another £50 charge was added by the time they replied but they offered £918 and I agreed to settle. Thanks to all the advice given on here, will now try with my smaller account and old credit card charges!

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Help! Having written two letters to HSBC in Leeds, have just filed with MCOL and used the Leeds address. Is this correct or should I have used Canada Square?

 

Can't see that it should matter too much as they've sent me their 'investigating letter' from Leeds, but help would be appreciated as I can ring MCOL and change if necessary...

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i think you'll be fine with the leeds address, that was the one that dealt with my claim also. Even if it is the wrong one (which i am sure it isn't) they would forward it on for you. All the best with the claim!

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wasn't sure who to message for edit but i've recieved and offer minus interest on mine and for other reasons have accepted

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/53185-flapper-hsbc.html

 

 

theres another £2k back off the buggers

 

 

could someone mark it paid/settled or whatever it was if possible ?? cheers :D

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Started my claim for me and my sister on the 10 of feb, sent prelim and lba just two letters has got us back £1300 just waiting for it to clear into bank Thanks everyone on here and if you havent started or are having second thought then just get it done and good luck :D

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