Jump to content


  • Tweets

  • Posts

    • 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 !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Recorded delivery problems?


cadencealex
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6430 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I have gone into both mine and my husbands accounts up to 2000 and can print all my bank statements off online - shame I ran out of ink though!!

 

Aren't these good enough to send?

 

They are good enough for the Inland Revenue.

Link to post
Share on other sites

hi caroline, you can only claim back the interest that resulted from the charges, the spreadsheet works it out for you.

Link to post
Share on other sites

Hi

 

I have printed off all statements and done a handwritten breakdown - I am terrible with the spreadsheets - and I have also written the letter needed.

 

Can I send the letter telling them the amount WITHOUT the breakdown or do I send that too?

 

And I am a little concerned - we have 6 bank accounts with the HSBC... 4 of which are business accounts - plus our mortgage/life insurance and pretty much everything else... should I be doing this? I know it is only OUR money but I think this is gonna rock the boat big time!!

Link to post
Share on other sites

Hello

 

Send the breakdown too, you will be asked for it at some point in any case.

 

It may rock the boat and only you know if you want to do this, but it is your money and you are entitled to it back. Mortgage and life insurance will be under separate contracts so should not be affected, however any overdrafts and/or business loans may be affected if HSBC decided to get petty, but this is unlikely in my experience.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

Link to post
Share on other sites

Right!

 

Have sent off LBA and a copy of the spreadsheet requesting £1658 back - sent it recorded to Canada Square.. this is for one business

 

.. am sick though! I put 2005 instead of 2006 on this years accounts... DOH!!

 

Do u reckon they will dispute this??

 

Have photocopied the letters though!

Link to post
Share on other sites

I doubt it will be a problem. They are likely to either not respond to your LBA, respond with a standard 'go away, our charges are fair' response or make you an offer.

If it's either of the first two, have your spreadsheet corrected for the next stage. If it's the third option, if the offers acceptable no problem, if it's not then get your spreadsheet correct for the next stage.

Link to post
Share on other sites

If you have your statements, you don't need to send a Data Protection Act S.A.R - (Subject Access Request). MI cofirmation is not critical.

 

Thanks!

 

I have my online statements and have sent two claims in today - one for my personal account and one for my husbands business account. I have two more accounts with HSBC that I am going to claim for but that will be in the next few days now... all the data entry is making my eyes water :rolleyes:

Link to post
Share on other sites

Some people are getting their money quicker than others - I wonder, does it matter how long you have banked with them... how you have handled your account and whether you have savings with them or other accounts?

 

Do these factors influence their decisions, do you think?

Link to post
Share on other sites

I really dont know what influences the banks payout timescale

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

Link to post
Share on other sites

no you don't need to order them they are available to view online. log in, go to your account and click on my statements. it brings up a list of the current year in month order, and at the bottom there is an arrow to click on for the next earlier set and so on.

Link to post
Share on other sites

Thanks for the info cadencealex:) .

 

I will print out my statements but I've decided to also send an S.A.R. to HSBC as well. That may sound a bit daft but for me the main reasons are:

 

It's a sort of 'belt and braces' approach, covering every angle.

 

I'm keen to follow the procedure to get back these charges to the letter, I don't want to find that I've made an accounting or clerical mistake along the way.

 

And lastly by requesting the statements I'll have given myself a bit more time to study the law and the procedure to work out and make my claim.

 

Plus, by the time I've used all that paper and ink in my printer- I'll probably have spent the £10 I'd have sent to the HSBC anyway!

 

 

Thanks once again, and good luck with your claim.

31st October 2006 S.A.R. sent to HSBC

17th November 2006 Preliminary request letter for payment made

Link to post
Share on other sites

Online statements are good if a) you have access to online banking facilities and b) if you only want to get the figures for calculation.

 

Making a S.A.R - (Subject Access Request) under the Data Protection Act entitles you to so much more information, such as notes and evidence of manual intervention.

 

That aside, in the main the banks realise what is happening, and generally they are refunding the £10, and providing the requested information as 'a gesture of goodwill.'

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...