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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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how to take legal action against hsbc?


noddy997
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I think that is a wise choice, noddy :)

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Hi Noddy,

 

That's a shame. I understand though. It seems all the judges in the UK are waiting for the Supreme Court to take the lead in dealing with these bullies.

 

You had solid evidence and solid "soon to be ratified in the Supreme court" case law.

 

What did your adviser say about your judge? She should definitely be disciplined but I guess it's not her fault that she had no balls.

 

Nice try Noddy. It might not have seemed like it but God really was on your side. (Works in strange ways, apparently)

 

Over to little old me then...

 

Richard

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Legal advisor said that if I was to pursue this under section 140 of the Consumer Credit Act for "unfair treatment" I would have had more of a chance in succeeding due to the treatment by DCA's and HSBC.

 

He also pointed out Smeaton v Equifax and Major v Lloyds. And on that basis he said defaults can be removed and therefore are not considered. Just the way the system is guys and this why there are a lack of legal firms that deal with these kind of matters.

 

So its quiet a tough game.

 

Durkin, he agrees that the Judge made a mistake but believes that my case doesnt have much prospect. If I am to go further and lose it is very likely that I will have to pay the costs of HSBC.

 

 

One of my biggest mistakes was the particulars of claims. Thanks to the money claim online site, you are restricted to X amount of lines (not characters!!!) so you cant write clearly - another gimmick of the system (the Judge questionned me on poc and I told her of the site issues and she said "I don't know what to say".

 

The legal advisor told me I should have done the poc manually, as one case had 14 pages of PoC!!!

 

 

 

Durkin do you know why we, as individuals, dont succeed and why the companies bully us? Because we are not united! I have seen other sites similar to CAG, the problem is people dont want to help others if they post their issues on a different site. However, most of these sites work on donations (if not all of them) so there is no profit for anyone - I dont see what the problem is of helping each other.

 

However, in order to avoid this "competition" I think we need a centralised/united site - where advice can be given/sought under one "roof". I am a little boy and therefore this idea won't accomplished. Yet, this (lack of unity) is the biggest cause of individual sufferings.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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"One of my biggest mistakes was the particulars of claims. Thanks to the money claim online site, you are restricted to X amount of lines (not characters!!!) so you cant write clearly - another gimmick of the system (the Judge questionned me on POC and I told her of the site issues and she said "I don't know what to say"."

 

Well it is quite clear on MCOL and the CPR on issuing addition Particulars with your claim.

 

7.4

 

(1) Particulars of claim must –

(a) be contained in or served with the claim form; or

(b) subject to paragraph (2) be served on the defendant by the claimant within 14 days after service of the claim form.

 

Regards

 

Andy

We could do with some help from you.

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Also, just flicking through Smeaton's I notice the following:

 

(2) that Mr Smeaton made no real attempts to raise finance after his unsuccessful application to NatWest in August 2006; and

.

 

Like I said in my earlier posts, the average person cannot afford a 60-70% deposit. We cannot "raise" such finances. If I could afford 60% I wouldn't bother getting a mortgage, I would ask people to borrow me money since I would be a high earner.

 

Only way an average person can "raise" them kinds of funds, is if you be "tight" all your life and save every penny.

 

As most of you know, I had a student bank account with HSBC, so I have completed my degree last year. Yet I am not employed and we are told to "raise" funds ?!

 

 

One thing I like to get clear what most folks are confused about (as they are told this): credit markers placed on your credit files are NOT for the organisation who put it there in the first place. It is to WARN other lenders you are NOT "worthy" to be given credit. It is a centralised register just like your NHS number/file or if you been involved with the police your data will be held on the PNC purely to share information with other forces/organisations.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Well it is quite clear on MCOL and the CPR on issuing addition Particulars with your claim.

 

7.4

 

(1) Particulars of claim must –

(a) be contained in or served with the claim form; or

(b) subject to paragraph (2) be served on the defendant by the claimant within 14 days after service of the claim form.

 

Regards

 

Andy

 

Andy,

 

It wasn't clear on MCOL when I issued the proceedings. I delayed issuing for a short time as I was trying to find anyway to extend them on the MCOL site.

 

You are right about the rest though as I was told that this morning to the chap I spoke to.

 

Off topic: Am off for a drink, I've had it with HSBC.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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my case doesnt have much prospect.

 

?

 

HFC concede £8K is payable. HSBC concede default shouldn't have been there.

 

You should have been paid.

 

Wait and see, once the Supreme Court ratifies my case, how many legal practitioners change their tune.

 

When I started out, not a single practitioner gave me a chance! (Perhaps they knew something)

 

I don't suppose he gave any grounds for such a statement?

 

Anyway Noddy, next year you'll be able to use all this experience to good effect and help clean the mess up.

 

I hate advice that complicates things. The more complicated lawyers make things, the more they're paid!

 

Justice takes a back seat over greed.

 

Cheers,

 

Richard.

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" Off topic: Am off for a drink, I've had it with HSBC."

 

Good Idea Nod...dont feel too bad they will be feeling worse than you.........loss of costs.

 

Andy:wink:

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Andy,

 

It wasn't clear on MCOL when I issued the proceedings. I delayed issuing for a short time as I was trying to find anyway to extend them on the MCOL site. You type after your brief P.o.C Additional particulars to follow Pursuant to CPR 7.4

 

You are right about the rest though as I was told that this morning to the chap I spoke to.

 

Off topic: Am off for a drink, I've had it with HSBC.

 

Andy

We could do with some help from you.

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Good Idea Nod...dont feel too bad they will be feeling worse than you.........loss of costs.

 

Andy:wink:

 

Ah, I spoke to the solicitor about costs. He said you was offered £2500 so they dont waste more money on the case the barrister would've cost them £1500 but it says £350 on the bill unless that is an error? Or it was £1800 and DG dont have an hourly rate since their in house "hounds" on a fixed a salary?

 

Fact is fact, I was kept being interrupted by the Judge, the barrister had freedom of speech. I am assertive but didnt want to be as if I did got on the wrong side of ma'am she would have granted their bill.

 

After this experience, I think LiP's should instruct a firm regardless, as if you are an LiP you might get cornered like I did :(

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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I would have thought £600 for the Barrister...dont forget also if council consisted of Grade A Solicitors on the case they are on £200ph.

We could do with some help from you.

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Off to Jerusalem?

 

Cheers!

 

 

Lol, am dying for a red bull lol.

 

Don't worry am sticking around.

 

This is why I was saying mate we should organise a march (Scotland to London eh? :p) or protest or something outside the court or HSBC at the time of your case! We are treated like dirt yet its our taxes that fund for all of this!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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LiP's should instruct a firm

 

You don't get to tell it like it is.

 

It's very frustrating seeing the "chinese whisper" effect ruin your case! Even worse when your own reps completely ignore you!

 

Small Claims Courts are designed for us little people.

 

You came across a dodgy judge. They're everywhere.

 

I hope none have made it to the Supreme Court!

 

You should enjoy a drink, satisfied that you tried.

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You don't get to tell it like it is.

 

It's very frustrating seeing the "chinese whisper" effect ruin your case! Even worse when your own reps completely ignore you!

 

Small Claims Courts are designed for us little people.

 

 

1) No you dont Durkin your are over spoken and forced to shut up.

 

If you continue to rant on you will be considered as an arrogant cocky tw*t and if you the p the judge off you will go under the guilotene!

 

2) At least the reps won't be taken advantage of.

 

3) Little people have no say in this country unfortunately.

 

(I dont want to start categorising or start class debates but) The worst effected of us all are the middle class. The upper and low class folk got it all.

 

 

One thing that really winds me up? Council Tax! The national govt struck a deal for councils not increase council tax yet they are going to. No one is going to stop them. Again who does it effect? Middle class! Upper class got the S class Mercs whilst the lower will get the majority of council tax exemption.

 

I dont want to start a new debate and rant, but seriously with all the hassle I faced with default and bought that disease of a house I will be in further financial crisis especially as the Class C (empty property) council tax band is abolished as of next month, more funding for the bent leaders of this century.

 

I rather sell it, and live off the state as when you try to stand on your own feet you simply cannot due to all the crap you get!

 

Lets not forget the 25 year mortgage I signed (maybe the default was a sign to not buy the crap hole?!) So if I got no tenants in I got the mortgage PLUS the ridiculous council tax charged at 100% (£110 per month) and a further 50% will be added shall the property remain empty for 1 year! (Already pay income tax, any other tax to add?)

 

Rant over before I get a ban from the admins LOL!

 

PS Redbull has kicked in :razz:

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Oh and the "small track increase" - I think there is a strong catch to it - if folks like myself go all the way and be LiP and if they get cornered they will be losing more in fees...

 

Democracy...

 

I warn people not to bank with HSBC just like I tell people not to go with three mobile with the pathetic T&C's.

 

HSBC got pathetic policies.

 

I had a review with TSB few weeks back (they usually give me a brief 5 mins one every so often). They have their own credit rating system if you apply for a loan from them (if you are their customer only). And they told me on a 1-9 credit rating I am sitting at 1 (1 being the best /credit worthy and 9 being unsafe borrower).

Edited by noddy997

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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" Off topic: Am off for a drink, I've had it with HSBC."

 

Good Idea Nod...dont feel too bad they will be feeling worse than you.........loss of costs.

 

Andy:wink:

 

 

That's what I keep telling noddy, Andy.. there was some kind of justice / Victory when the opposition were denied their costs. :)

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Going back to my earlier point of funding I found this which is very true:

 

"Dr Thompson's solicitor, Simon Cook, a partner at law firm Ormerods, says anyone not on a high income might struggle to fund their case.

"You can't get legal aid for defamation. Most people can't afford the costs of the proceedings. Even if he'd won, he wouldn't have necessarily received all of his costs," he said. "

 

From http://news.bbc.co.uk/1/hi/programmes/moneybox/8098674.stm

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Noddy,

 

Your case was Small claims Track? If so I would just like to point out CPR 27:

 

27.14 (2) The court may not order a party to pay a sum to another party in respect of that other party’s costs, fees and expenses, including those relating to an appeal, except –

 

So if you appeal you will not have costs awarded against you, unless you behave unreasonably.

 

Separately, You posted a case report of a permission hearing for the Court of Appeal. If there is to be a new Court of Appeal decision wouldn't it be worth applying for permission to appeal and ask for a stay until the CoA gives its decision.

 

If you qualify for a fee exemption that choice wouldn't cost you anything and you can always reconsider when the law is clearer. Even if you went on and lost the appeal you are protected by CPR 27.14 above.

 

HTH

 

Dad

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Yes but a Judge can turn around and say I am wasting time as did the previous judge did. And if that winds them up they may well award costs. It it is within their discretion.

 

Dont get me wrong, if I was working I would have hired a soliictor and would go all guns blazing.

 

Also, am guessing it can be argued due to that fact am not qualified within the legal sector I have lack of knowledge despite info being available one needs to be able to grasp the legal language in order to understand it.

 

 

Lets say for arguments sake, I appealed and it turned around and I won. Nothing stopping HSBC to appealing.... Glitch is there is no ending to legal cases unless you go to the very top like good old Mr Durkin!

 

Cheers for now.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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