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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Steve_n -V- HSBC


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Well, after reading thread after thread I have complied my letter, all ready to post next Monday (recorded of course) to start my attempt to reclsaim almost £3,300 in charges and interest.

 

I started a week or so ago with arequest for information under the Data Protection Act, the the good old bank, well it's computer kindly churned out no less that 43 seperate letters of nice crisp duplicate statements (god knows what postie thought) and not a mention of any charges for that sackful.

 

I few hours deciphering and I was gob smacked at just how much thay had gleaned from me !!

I'm very nervous of the possible bully boy tactics I may unleash care of the HSBC 'henchmen' (closing my account etc after over 25 years), but what the hell, £3k is a lot of dosh to mish out on. I will certainly keep the forum posted on my progress.

 

03/10/06 request for all charges info under data protection act

13/10/06 43 envelopes of copy statements arrive FOC !!

16/10/06 prelim claim posted - recorded delivery

18/10/06 prelim confirmed delivered per trackback

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

 

 

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closing my account etc after over 25 years

 

Make sure you don't make the mistake made by lots of others on here - as your account was opened before 1995 you should not use the Unfair Terms in Consumer Contracts Regulations 1999 in your claim, if it gets to that stage. Apparently amendments are underway to the user guides on this site but until then just thought I'd make you aware of it!

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Hi Bong,

 

Thanks for the advice - I'm new to this, only found this site via a link from Best credit cards, cheap mortgages, personal loans, savings accounts, house & car insurance - The Motley Fool UK - been reading threads ever since (anyone got any advice on dealing with the possible divorce due to being on the PC too much 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,

 

I have sent my prelim letter using the template, recored, received by 'them' on 16th Oct (early days yet I know) just reading up on the next stage - sending my LBA !

 

What are the implications of adding these para's per your template for an account opened in 1981 ?? :confused:

 

 

"I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notic"

 

"Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department"

Any help or advice greatly appreciated !

p.s great site, can we tackle fuel, council tax, and BACS clearing bank consnext ?? 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

 

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  • 3 weeks later...

Update on my claim

 

Have posted my LBA - HSBC received this last Thurs (2/11) and have heard absolutely nothing so far

 

Is this normal ?

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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Update on my claim

 

Have posted my LBA - HSBC received this last Thurs (2/11) and have heard absolutely nothing so far

 

Is this normal ?

 

Yes 'fraid so!

 

You probably wont hear anything up until MCOl stage... but if you do, don't feel honoured... as it will be a generic letter everyone gets!

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  • 2 weeks later...

Hi,

 

I have submitted my MCOL claim - gulp :o

 

as far as I understand the bank now has 14 days to acknowledge (hope they don't :D )

 

If they do, they get another 14 days to pay up of defend ??

 

Are they working or calendar days ???? :confused:

 

Thanks, what a BRILLIANT site this is !!!!:cool:

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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Hi Lateralus,

 

Great that's the shorter of the two options then ( iknow, patience, patience)

But I'm wearing the door mat out with all the letter box checking LOL

 

Haveing read 100's of posts in here now, it seems that the bank may submit a defence, although not 100%, are there any threads that sugest what to do next if they go down that route. I'm just trying to stay one step ahead.

I'm no legal buff, and just feeling the usual paranioa ?

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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Yep, you were dead right, not a squeak - MCOL posted now !! :o

 

(I have this vision of the HSBC mailroom - full to the ceiling with letters and claims) :D

 

Royal Mail's profits must be doing well LOL :D :D

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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hi steve, even if they defend - it doesn't mean it will go to court. it just buys them extra time and really, i've read loads of threads and only a couple seem to have got to an actual court date - and even those will probably be settled before it gets to that. i stand by the timetable i put on david's thread. but to clarify - if it gets right up to the 28th day, you try to press the judgment button - but mostly you can't as they will have filed a defense on the last day. at that point, two things are going on simultaneously: you are dealing with dg, probably sent a breakdown at their request, then been given a lower offer, you reject and they will mostly likely offer 100%, you accept and when you have the money, you cease your claim with the court. at the same time, they file a defense to get more time, you will be sent by the court a change of venue to your local court, a copy of their "defense" (just piddle - it's always the same thing) and an allocation questionaire. there will be a deadline given when the aq has to be filed - my advice is don't file it until the last minute but if you do, remember to add the £100 fee on to your claim. it also gives you a little clout - to say to dg that you will be filing your aq shortly and it will mean even more money on your claim. and at the risk of repeating myself - this is absolutely the worst part - after you've filed, waiting to hear from dg (once you have heard the first offer, you are home free, else why would they offer anything if "they felt they would win in court" which is what they always say. just take up knitting or sudokus or something to kill another couple of days. third week of the mcol - breakdown request.

keep us posted.

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Hi Laterus,

Thanks for the very helpful advice and support - much appreciated. I agree it's very much a waiting game . . . patience-patience-patience arrggghhhhhhhh LOL

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

 

 

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Hi Abba,

Thank you muchly !

All the best luck to you too :)

I just can't help feeling that I'm taking on the KGB or similar by trying to sue my bank - the OH thinks I've gone bonkers and is already baking a cake with a file inside :eek:

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

 

 

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POO . . . The bank has acknowledged my MCOL claim :mad: they have until 15/12 to respond !!

 

oh well here goes, better start digging the trenches, filling the sand bags etc LOL

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

 

 

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Dear all,

 

Boo Hoo - they only blinking acknowledged - all well, there goes my hope of a sneaky win by default . . . 28 day clocks now ticking . . . arrggghhhhh the wait is KILLING me !!

 

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

 

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Ah they take away all the fun when they acknowledge like that!

 

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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LOL . . you call this fun ?

Jumping out of an airplane, sticking your fingers in a socket, walking slowly up the fast lane of the M1 would ALL be more fun than THIS :D :D

 

Apart from 'chatting' to ALL you lovely folk of course - now THAT'S mega F.U.N.

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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LOl Steve, I meant the fun of doing them for judgement you loon!

Good lord, this is sooooooo not fun!

Aside from the aforementioned banter of course!

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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LOL :rolleyes:

 

I know, you and me together - pair of loons I think, just been in chat for last hour - mad totally mad in there :-o

 

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

 

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Hey Steve, I know exactly how you feel about being nervous. A few months ago, I had heard of people claiming their bank charges back and was 100% sceptical. But now after reading these forums intensively I'm sooooo confident that I'm gonna take them to the cleaners. So should you be!

 

I know you're disappointed that they acknowledged, but at least it is another step along the correct path. And at least you know you've done everything right and they are in receipt of your claim.

 

Good luck, let us know how it goes.

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Hi Abba,

Yes I suppose I have some comfort in that, I was so hoping they would 'overlook' my MCOL and then I'd sneakly win by defaut lol

Thanks for the wishes, and I'll certainly keep the forum updated.

I just know they will enter a defence, so am already pre-armed with my response - it's certainly a waiting 'game' and it's killing LOL

 

Cheers, 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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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.

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Hi Abba,

I have already sent a 'schedule of charges' to the court, I did this as soon as the claim was issued :D

As far as sending a copy to D&G, I certainley will, but 'officially' I don't know about D&G 'yet' as soon as I do, i.e. I get a letter from them I will send it !!! ;)

 

Thanks for the help, good luck with your plight !!

 

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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