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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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sacha911vHSBC ***won***


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Your being mean now.... sorry Sacha! :o

[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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Your welcome!!

[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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28 days from the date it was served - that's either on your notice of service papers from the court or the day you filed plus 5 days. so it's acknowledged and they intend to defend. now is the time to send the court 3 copies of your breakdown referencing your claim number and 1 copy to dg - to the address on the place where they ticked to defend - to a name if there is one there - otherwise just to dg. be sure to send a little cover letter - please find my breakdown, claim no. for the following: charges.xxxxx,, interest.xxxxx,+ court costs,xxx = total

then just sit back and wait, read other threads, and read up on the allocation questionaire stuff in case it drags past the 28 days which several are doing now - it's just another waiting period - don't let the big words get you nervous -

we are all here to help.... this is the boring (exciting) bit - depends on your mood!

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  • 3 weeks later...

Received a letter from Colin Langdale (Senior Service Quality Officer) today. It thanked me for my letter dated 6th November 2006 and apologised "for not yet fully completed my investigation".

He says he will contact me by the 24 January 2007 and expects to be able to provide me with a full response at that time.

Is this a standard letter?

In any case the 28 days run out mid Jan so no good responding after a judgement has been made. But I guess they know that.

There is one thing that bothers me, although I don't use my HSBC accounts any more I still have a loan with them. Is it likely that they will try to use any settlement to pay off some of the loan?

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as long as your loan has been kept up to date - they won't mention it.

this new letter colin is sending out is a hoot. have responded to about six people today with the same stalling letter. just keep to your timetable.

did you send copies of your breakdown - 3 to the court and 1 to dg when you got your acknowledgment - if so,nothing to do but wait, if not - go ahead and send them - referencing your court number.

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I have sent 3 copies of breakdown to court (Northampton) today.

I rang the HMCourts on 0845 6015935 they were very helpful. They explained that the bank have thus far only acknowledged the claim and that no defence has been submitted, therefore they have no details of the solicitors at present.

 

So just counting the days now!!

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I checked with MCOL today and HSBC have entered a last minute defence!

So I guess I'll just have to wait for their defence and the Allocation Questionaire to arrive in the post.

I have printed off a copy of the AQ form149 which doesn't seems to difficult to fill out.

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so, did you ever send a breakdown of charges to dg solicitors - you need to do that now. they won't make an offer until they have them. send them now, referencing your claim number and then in a day or two call to see if they have been received.

let us know what your aq deadline is when it arrives (there is a bit of a backlog apparently - but you should have 2-3 weeks from when they send it). also, there is a new strategy for the aq, look at what bong says about it on this thread: New strategy for Allocation Questionaires

 

yes, bong - been meaning to ask - does it mean just copy out that letter and attach to the n150/N149 along with it, anything else to do with it??

or is it the answer to one of the questions on the aq.

 

and bongs answer:

if its an N149 AQ at G (other information) write

 

I believe that the case will last no longer than one hour.

 

This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is (in common with the 100s of other cases currently being brought by other bank customers) that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the attached draft direction be made into an order.

 

I believe this would bring a rapid end to this litigation.

 

If its an N150 AQ, at F tick yes and then no, and at H write the same text as above, but not the line about the case lasting for one hour as this has been answered elsewhere in the questionnaire.

 

You then attach the draft direction, making sure you have added your own case and court name and claim number etc.

_

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I have only sent copies to the court. I have never received any details of their solicitors, it was not on any paper work from MCOL. Do I just assume that DG is acting for HSBC in this case and send them the breakdown?

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did you get an acknowl? it would have been on page 2 where they tick to box "intend to defend in full".

but if you don't have it, send it anyway = today - to :

DG Solicitors

 

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

 

Tel: 0121 455 2111

Fax: 0121 455 2150

 

in fact- fax it if available and then ring over and ask if they got it -

or even : [email protected]

and then check. i think it's time to shake it up a little, mostly to make sure they know you are there - as you've had no word from them - makes a good opening sentence on the phone!

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Got letter from MCOL today with the HSBC defence and solicitor details which are exactly as you said they would be :- Debbie D from DG!

Also received Allocation Q which which gives me to 28th Jan to file at my local court.

I have drafted the following covering letter and intend to fax it tomorrow (followed up by a phone call of course).

 

"I am writing to respectfully request that my claim against HSBC is paid in full, I am aware that you have entered a defence against my claim and it is my intention to enter a full counter defence for which I believe the court will uphold.

 

Furthermore this will add a further £100 to my claim against your company, I am not prepared to acknowledge your defence as having any creditability. I have seen this standard response on the consumer action group website on numerous occasions and feel it is an extremely weak defence that any judge will refuse to entertain, given the OFT’s recent ruling.

 

Moreover it is my intention to request a full disclosure of HSBC’s costs within my Allocation Questionnaire.

 

I have included a full breakdown of banking charges levied to my account which is inclusive of interest charged up to 22nd March 2006, I will also require any additional interest to be added to this claim, which has accrued since the 13th December 2006 and the date of the refund.

 

It is my intention to file my Allocation Questionnaire prior to close of business on the 24th January 2007 if I have not received an offer of a full settlement from your company."

 

Sound OK?

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it sounds ok, we don't generally advise letters to the solicitors at this point in the game - you might want to run it by michael browne or bong or lively lad (you can find them by clicking on their names in the postings lists or in the search above). i'd hate to say go ahead and then it not be right. pm one or all of them to check it out.

 

after rereading it a couple of times - i don't think it is necessary or even a good thing at this point to say too much. i'd settle for the first and last paragraph with "please find enclosed a copy of my breakdown with reference to claim no. xxxxxxxx.

 

a lot of the offers and action take place betwen the defense and the aq deadline.

 

really, i'd keep it simple. fax that over, then call to be sure it is received.

leave out all the legal jargon - you might just stick a pin in some balloon.

hope i've helped - but you asked, so my advice - pare it right down and get it off this a.m. save the good stuff for a bit.

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Your advice makes good sense, I have toned down the letter and kept it simple as you said. Faxed it over this morning, and have followed it up with a phone call (voice mail) and email to try and get them to confirm reciept.

 

by the way lateralus thanks for all your help so far, it is very much appreciated.

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  • 2 weeks later...

Tomorrow is the last day before I have to file the Allocation Q at my local court. Still no word from DG (apart from a polite phone call to confirm receipt of my fax). Are they trying to test my reslove?

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well, it's a little late - i think you will have to file the aq - just be sure when the offer comes that you get your filing cost back from dg.

if, in fact, an offer were to come in tomorrow's post - you could ring the court and ask for a delay to the deadline for the aq as you wouldn't need to file - that's only if you were to get a 100% offer tomorrow - in your postition (assuming you are going to walk it to the court before 4pm) i'd give dg one last ring tomorrow morning and explain - would they like to fax you an offer before you file your aq? but get the aq in if no offer, without fail.

also, the way to look at this isn't omg, i'm going to court, - it's just to say it's passed another deadline and now they will deal - but i advise a more active approach - ring them, fax them, e-mail them and make sure your claim is on top of somebody's pile.

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I've completed my AQ and it has been filed with the local County court and the fee paid.

I now intend to fax a letter to DG along the lines of:-

"my court costs are now £100 more and that I intend to request full disclosure of HSBC’s costs."

 

Interestingly point 5 of their defence says:-

"The charges applied to the claimants account are reasonable and are properly and fully disclosed in the Defendant's terms and conditions and published price list. The charges represent the contractually agreed price for the services provided and the UTCCR's are not applicable to them; alternatively, they are not unfair contrary to the UTCCR. Further, the charges are not default charges and, accordingly, cannot amount to a penalty."

Are they really arguing that they are proving me with a Service by sending me a letter and charging £35 for a defaulted DD?

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I've completed my AQ and it has been filed with the local County court and the fee paid.

I now intend to fax a letter to DG along the lines of:-

"my court costs are now £100 more and that I intend to request full disclosure of HSBC’s costs."

 

Interestingly point 5 of their defence says:-

"The charges applied to the claimants account are reasonable and are properly and fully disclosed in the Defendant's terms and conditions and published price list. The charges represent the contractually agreed price for the services provided and the UTCCR's are not applicable to them; alternatively, they are not unfair contrary to the UTCCR. Further, the charges are not default charges and, accordingly, cannot amount to a penalty."

Are they really arguing that they are proving me with a Service by sending me a letter and charging £35 for a defaulted DD?

 

There defence is standard. Did you send the draft order with the AQ? To be honest there is not much point sending the letter they will settle when they are ready.

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Just had a call from DG (I called them earlier today to chase them up) confirming that an offer letter is going out today for the full amount!

I'm not celebrating yet, but It looks like I'm nearly there...

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wow... not long now sacha... im stressing out myself.. but hey... soon it will be over for you.. hang in there just a wee bit more.. have a good weekend.

[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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Offer letter came this morning!

They offered the full amount.

Fantastic.

I crossed out the offered amount and added an extra £100 for the AQ.

(The nice lady at DG said to do this yesterday when I spoke to them.)

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