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    • I'm definitely looking for monthly only. Giffgaff has been great, but recently a mast was broken in my area and they spent over two weeks telling me there was nothing wrong and eventually agreed that there was. Although mast seems now to have been repaired, I wasn't happy about the way they dealt with it. That doesn't mean that other companies aren't exactly the same but I checked and Lebara has got just as good coverage in my area also has 5G whereas the O2 5G coverage is very poor. Also free international calls is pretty attractive but I have to say that I do feel a bit concerned about making the jump. Also I've got about 13 quid locked up in credit which apparently they simply keep if you leave them and I can't see any way to transfer to some other account
    • I haven't, (moved giffgaff to Lebara)  but can offer some points to consider (and that those who have moved can comment on .....)   Firstly, does O2 (Giffgaff) cover where you need your phone most? Does Vodafone (Lebara)?. No network will cover everywhere you MIGHT need to use it, but you can check for where you know you'll use it most : No point in having a magnificent and cheaper inclusive package if it doesn't work where you need it most ......   Secondly,. how good is Lebara's customer service?. Much of giffgaff's CS is provided by giffgaff's users, but is does lead to a good knowledge base, and giffgaff has an excellent reputation for customer service (I know you already know to keep e-mail trails and recording of calls, but it is way better to not have to get into that level of discussion if they'll instead sort any issues ab initio).   Thirdly, are you looking for a 30-day rolling contract or a longer SIM-only deal? you'll likely get better value with a SIM-only, but are 'locked in' to a minimum term. (is where you'll need it most likely to change within the minimum term? if so, 30-day rolling may be a better option than a 12-month or longer SIM-only).   Are any network features a) essential? b) desirable. I'm thinking  of features such as call diversion, 3-way calling, and wi-fi calling...... (not that these may be available on either of giffgaff or lebara - I'd have to check) For example .... Voxi doesn't do call diversion, and many of the features are available on the host network but not the MNVO's, but knowing what features are essential and if any are desirable might be the deciding factor all else being equal.   Then (and probably only then): what sort of package are you looking for? Calls? texts? data?? International calling? (to international? from abroad??). Video streaming? Music streaming?? Cost is a major factor, but a cheaper deal that doesn't meet your needs re: coverage, features and customer service can turn out to be false economy. If you do masses of streaming, then Voxi (also on Voda's network) might be a good option over Lebara if it is Voda's network that is your prime motivation for moving.
    • Hi @lookinforinfo thank you for your response.   I have searched around for the possible reason the NTK is not compliant but could not come up with anything beyond that indicated above by FTMDave which is the NTK fails to specifiy a period of parking and merely states a time that the vehicle was allegedly present at the location stipulated. Perhaps you could kindly give me a clue if there is another reason.
    • Thanks FTMDave for making things easier to taking next step . So for now i have to submit WS PS. i already Emailed my preferred contact number to the Court.   Also when you say emailing fleecers do you mean Gladstone solicitor? or the company HX parking ltd? What shall i write to them would thaf be like a covering letter or like a draft order? I remember when i submitted N244 the court said they will send the copy to fleecers also, so my understanding is that fleecers got the N244 already?  Thanks
    • Yes, you will have to prepare a WS which will essentially be the same as what you wrote on the N244.    It is worth asking the fleecers to consent to a set aside. They can only say no. 
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I have WON against HSBC woo hoo!!!


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Just wanted to let EVERYONE know that i have sucessfully won against HSBC. I received the cheque on Friday 13th of all days - 13 is my lucky number though! - for just over £2500.


Went through the standard procesess, HSBC offered me a 'settlement amount' i politely declined and went for the lot on MCOL. Julie Kyle from DG contacted me asking for a breakdown of charges which i duly faxed, then, on the LAST day before the 28 days were up, rec'd a phone call from DG saying that a cheque had been posted to me. It was for the full amount PLUS i asked for an extra £75 as they added on extra charges since i started proceedings. Rec'd cheque and now paid it in. Fanbloodytastic!


Just want to say a HUGE thanks to the site (sorry to sound all wet lettuce gwyneth paltrow) and say if it wasn't for this site i would never have got through it, with all the template letters and advice, its been a great.


Thanks and good luck to everyone else. You WILL do it if you stay strong and stick to the timetable!




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well done chewlips :) hope to be in the same position soon, but why do they make us take them to court? i might get a job at HSBC by telling them managers i can save them millions a year, just by replying to customers who send an LBA and offering a full refund of charges. it will save them 8% interest and court fees, plus there must be a record somewhere of how many cases have been issued against companies etc. this cannot look good for them!

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)



beware the scrapbooker, for she has a long memory and sharp knives :lol:

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:D :D :D






I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Nice one well done.

Great to hear of the successes, makes it all worthwhile.

I love the smell of banks coughing up refunds first thing in the morning.


HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

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Gives me hope to continue with our claim now

Preliminary letter sent to HSBC - 10 October 2006

received by them 12 October 2006


Letter before action sent to HSBC - 24 October 2006

received by them 26 October 2006

Lets wait and see.......................

HSBC settled 90% claim - 16 November 2006


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