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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • 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  
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Nymph Vs HSBC - worrying about credit history


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Hi everyone, i am a newbie to the site. :) After reading through FAQ and step by step i have already prepared my prelim letter and my schedule of claim for charges of 455 pounds against HSBC for my current account. Really a big thank you to CAG and everyone for their valuable experience and comments.

 

I am opening my parachute account via online services of halifax and awaiting result. Thinking that once i have my new account up and running (transfer of DD, ask my company to pay my salary to the new account etc) then i will send my 1st letter to HSBC.

 

But i have one question on my mind. We are reminded to open another bank account in case HSBC will close the current account in the end, leaving a bad mark on our credit history that we can't open an account elsewhere.

 

I am worrying what kind of effect will it have on my credit history if HSBC is to close my account in the end?

 

I have a credit card with HSBC at the moment, i read through some threads in the forum and seems that i will be ok with that as it is on separate contract

 

BUT

 

If i am to apply for any credit facilities in future with other banks (actually i am saving up with my boyfriend now thinking of buyin a house next year). Will the account closure affect my mortgage application?

 

I was searching for the answer in the forum but couldn't find it. Please kindly excuse me if i am asking a silly question. Please kindly let me know if i should check any other threads for the answer.

 

Thank you very much.

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Other threads generally state that HSBC only take such action if you make 2 or more claims, by citing the relationship has broken down.

Coopman v HSBC

Prelim sent 9.10.2006 £1546.50

 

Coopman v Capital One

S.A.R - (Subject Access Request) sent 9.10.2006

 

Coopman v MBNA

S.A.R sent 13.10.2006

 

Citibank,Egg,Argos and student Loans Company to follow shortly.

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Hi Nymph !

 

I agree with Cooperman, they shoudn't close your account on just one claim, but may if you claim a refund on 2 or more accounts. I have started my proceedings against HSBC and my account is still up and firing on all pistons.

 

Anyway good luck and keep this site posted on how you get on !!

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 nymph... am in the same dilemma as you... debating whether to get sar through post or just rely on my online statements... so i still havent sent any letters to them.. but was able to open a parachute account with halifax just today...i just have to sit tight for a whole month til the whole turn over of dd and so's happen i suppose... but anyway.. goodluck to you...

[FONT=Comic Sans MS][SIZE=1][COLOR=purple]S.A.R. sent 30 October-reply received 10 november[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]Prelim letter sent 28 november- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]LBA sent 13 december- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]MCOL filed 30 december- issued 02/01/07[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]loveletter from colin received 02/01/07-saying will get in touch on feb 9[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]acknowledged claim on 4 jan- has until 1 feb to defend.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]defence entered 31 jan 2007[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]offer received 1-2-2007... still waiting for the moolah though:cool: ...[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]and moolah arrives 1-march 2007!!! Praise the Lord!!!![/COLOR][/SIZE][/FONT]

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hiya nymph... am in the same dilemma as you... debating whether to get S.A.R - (Subject Access Request) through post or just rely on my online statements... so i still havent sent any letters to them.. but was able to open a parachute account with halifax just today...i just have to sit tight for a whole month til the whole turn over of dd and so's happen i suppose... but anyway.. goodluck to you...

 

No need to wait it will 28 days for prelim and LBa anyway before you can file - then if HSBC do close account the yhave to give you 30 days notice so if you have a parachute account ready just in case then you are in a fine position.

Consumer Health Forums - where you can discuss any health or relationship matters.

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