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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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Steve_n -V- HSBC


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Abba,

All I have so far is that the MCOL website has updated to say 'acknowledged' there are no details in there pointing toward D&G. Hopefully something in the post from the court soon then !

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

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Hiya,

I'm the same, nothing but the little acknowledged bit on the MCOL, that was the 17th, thought I might have had something in the post by now!

Grrrrrrrrrrr

 

Babs x

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Hey Babs,

Mine was the 17th as well - we are running neck and neck - :D so your 'win/defence' date is 13th Dec ?

 

I've already written my letter in case D&G (assuming it's them) submit a defence ;)

 

Steve x

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hiya,

15th isn't it? 4 weeks from the 17th?

And wow....that is prepared!

I was thinking I was the only one with nothing form the courts, kind of worrying I thought, glad its not just me with pants post!

Babs x

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Hiya (again)

Well depends on which way you count - I used me granpa's old abbacus and worked on counting the 17th as day ONE, so I actually make it the 14th as the 28th day after MCOL B4 my true love said - get the BARSTUARDS !! :D

 

Steve x

 

p.s. off home now !

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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aha, well yes,

I was using my mobile calendar and just going down 4 weeks so I don't know what happened there!

Hmm using the even older method of fingers...the 14th it is!.....did I mention I'm blonde! :o

 

Tra for now, Babs x

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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No :eek: did I mention I'm also blonde :cool: (and blue eyes) :cool:

(not that thats relevent to my screwing the bank LOL :D )

 

But I will look real cool when I get on the Richard & Judy show :rolleyes:

 

Nick Gleeson and Barrings Bank will have nothing on ME hahahahaha

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Steve, as they have now acknowledged, you should have been sent the details of D&G solicitors (or you will be). It may be worth sending them a breakdown of the charges, as often they will reques this again as a stalling tactic. I was also advised to send a copy to the court in Northampton to go on my court file, so I did. It might be worth doing this, it can't do any harm.

 

Hi there - I received a letter from DG today asking for the breakdown of charges, I'm sending by post & also faxing in the hope it speeds stuff up, but, in the covering letter do I need to mention that the claim will go up daily because of the 8% interest I'm claiming until the claim is settled?

 

If anyone could clarify that would be great - also I found on the contact thread an email address that was just the name followed by @hsbc.co.uk

wonder if it's worth emailing them as well..?

 

Cheers Peeps!

 

Zsazsa

HSBC S.A.R - (Subject Access Request) 24.08.06

HSBC WON £3608.05 inc court costs DONATION MADE

 

Halifax S.A.R - (Subject Access Request) 24.08.06

Halifax WON £1909.39 inc court costs DONATION MADE

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Here it is - might be worthwhile you sending charges schedule off to speed stuff up as well steve_n ...I'd already sent 2 copies to the court for my claim & they want more...

 

Zsazsa

HSBC S.A.R - (Subject Access Request) 24.08.06

HSBC WON £3608.05 inc court costs DONATION MADE

 

Halifax S.A.R - (Subject Access Request) 24.08.06

Halifax WON £1909.39 inc court costs DONATION MADE

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Hi ALL,

 

received a letter from the court, basically a hard copy confirming thet HSBC had acknowledged my claim. (I knew that already from the MCOL site)

I note there's a tick in the "I intend to defend all of this claim" box

 

I guess that is perfectly normal ??

 

As I now 'officially' have D&G's address do I need to prempt them asking for a schedule of charges by sending one NOW (quoting the reference number ???

 

Steve

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Steve - it would speed things up for you if you did. DG wrote asking me to supply the charges to them. I only included my court claim reference & name/address.

 

Get's interesting now!:p

 

Zsazsa

HSBC S.A.R - (Subject Access Request) 24.08.06

HSBC WON £3608.05 inc court costs DONATION MADE

 

Halifax S.A.R - (Subject Access Request) 24.08.06

Halifax WON £1909.39 inc court costs DONATION MADE

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Hi Steve, that is exactly the same as what I received. I used those details to send them a letter on the 20th November with a breakdown of charges. They immediately replied to that letter and I received it yesterday, and guess what.... full and final settlement of the full amount!!!!!!! I am so happy, I feel like I've won the lottery!

 

I was quite surprised, as they had nearly two weeks left before judgement. So, I'm not sure, but it may be the quicker you write to them, the quicker you get your money. You're on the home straight now Steve, just stick to the plan and you'll be rich, RICH I tell you!!!!!!

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Hi Zsazsa,

 

Thanks for the help, ok, just avery brief note with claim No as ref and my return address and copy of the same schedule as sent to the court.

 

Certainly getting warmer - gulp . . . :eek:

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hey Abba The Rich! How delirious are you?! Cool & congratulations! Oh I'm so excited now!! They had mine faxed to them yesterday, & emailed, & posted as well. DG still have under 14 days to submit now after they acknowledged me.

 

:D See it's great Steve - no need to be worried - it'll be your turn soon too!! Yeyy!!!:D

 

Zsazsa

HSBC S.A.R - (Subject Access Request) 24.08.06

HSBC WON £3608.05 inc court costs DONATION MADE

 

Halifax S.A.R - (Subject Access Request) 24.08.06

Halifax WON £1909.39 inc court costs DONATION MADE

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Ok Great I'll get that sent today !!

 

p.s CONGRATULATIONS ABBA - lend me a few bob for the kids this xmas LOL

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Zsazsa,

Thanks for the advice, I've sent my schedule off directly to DG now, recorded of course :D

 

Only sent Friday last, but (hopefully) this week will hear SOMETHING !!!

 

(the silence is driving me :mad: )

 

I'm sure the postie thinks i fancy him, I keep meeting him at the gate every morning !!!

Steve

 

p.s. soz for late reponse, my broadband fell over Fri evening, and had to wait to get to work today !!

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Good luck Steve, Im probably at around the same stage as you so want to follow your thread and the other steve's! I sent breakdown of charges via fax on Friday also!

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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Hi Clare,

 

You are more than welcome to follow my thread ;) I'm sure the pleasure will me ALL mine :D

 

I posted my copy of charges direct to DG last Friday, so they should have got this Monday (can't check on the post tracker as it say unavailable at the moment !!

 

My MCOL 28 days are up on 14th Dec and as I mentioned ealier they ticked the 'intend to defend' box as they seem to do with most !

 

And YES . . . I'm cakking myself worring that I will be "the one" that ends up going to court and standing opposite a ral smart ar*e barrister who will shoot me down and a precedent will be set, not only will I loose, but all the folk in here wil LYNCH me as well :eek: :eek: only kidding ( I hope !! )

 

Steve x

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Just a quick update

 

(it's too easy in here to answer a question on another thread and then loose track of your own) sorry Mods

 

In response to above advice from Zsazsa, I posted a full schedule to DG recorded of course, and as usual have heard absolutely nothing, will be a week this coming Monday when they received it.

 

Anyone else in a similar situation (apart from those I know about)

 

The waiting game is killing - maybe that's their idea !!

 

Steve

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Me me me....Lol sorry steve :p

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Me but im sure you know about me from pp!

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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