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    • The reason for the photos is to show you weren't displaying a permit.  They are supposed to check that the permit hadn't fallen off the dashboard. There is no point in appealing to PPM.  The very people who deliberately set up the site with rubbish signage to catch motorists out are highly unlikely to find against themselves. You've said several times that you think the company who you met with called PPM in so these are the people you need to contact in writing to request they call PPM off.  Until you do so we're going round in circles. If you don't want them to have your e-mail address simply set up a secondary e-address.  
    • Please see attached redacted judgment for further infoVWFS (UK) LTD - Salisbury CC - Judgment - 20240507 V Final _copy redacted.pdf
    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
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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.

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      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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      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
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HSBC Charges Reclaim HELP please **SETTLED**


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Can someone please advise the NEW address of hsbc card services??

(gold credit card)

They apparently have moved from Chartwell Sq in Southend.

 

To clarify - I wrote a letter, normal postage stamp, regarding an hsbc credit card - and it has been returned as "Gone Away".

 

Yet every google search I do, says hsbc card services are at Chartwell Square.

 

I need to re-send the letter.

 

I rang India !!

 

 

They advised sending the letter to Coventry.

Wasn't sure if that was a joke...

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hiya I thought that might do - but India said banking and cards are completely different.

 

 

So can anyone else confirm if Coventry is correct ??

 

 

PO Box 6001, Coventry CV3 9FP

 

 

Of course, I don't think PO Boxes accept Recorded Delivery.... And I want to ensure this letter gets there....

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  • 2 months later...

Months later and I am still waiting on a reply from hsbc card services

I sent 2 letters to Coventry address - which I was assured is the correct card services address. But no reply.

But did send normal post, so maybe this is why....

.

So I have recently sent a revised letter special delivery to Coventry. I hope someone now replies.

 

Hsbc stopped sending statements a few years ago - for no reason - and have give me a default - for no reason - for only a few hundred £s. Furious. I have been making monthly payments, despite no statements - so they should not have defaulted me.

I have written - again - and asked them to remove the Default from my CRA file.

 

Fingers crossed this works....

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  • 2 weeks later...

hsbc signed for my letter the day after I posted it.

And 2 days later I started getting phonecalls from M'Croft dca !!

Followed by 3 threatening letters in the space of 1 week.

Can not believe it.

 

I guess I need to write to M'croft. And find out the exact name and address of their "client" hsbc....

Unless anyone else has any other ideas.

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  • 1 month later...

FInally - hsbc card service wrote to me.

 

 

I wrote to Card Service PO BOX 6001 Coventry CV3 9FP.

But got a reply from:

Customer Credit Services, PO BOX 6277, Coventry CV3 9JS.

 

 

Still not sure which would really be the correct address to use...

 

 

Anyway: their reply (one month ago) simply said they would fully investigate the issue I have raised and would give me a full response as soon as their investigations are complete.

In the meantime - Moorcroft continue to harass me.

 

 

What to do?

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  • 4 weeks later...

Update:

 

Moorcroft still sending threatening letters.

Hsbc wrote saying they will be back in touch with answers to my complaints within 8 weeks.

8 weeks have passed.

Have re-written asking them to stop Moorcroft contacting me - as account is in dispute.

 

The alleged debt balance - as per Moorcroft statement and CRA file - is apx £500. However, I suspect that most of this is in undue hsbc charges.

I have asked hsbc to send statement of all charges and fees since card taken out. However, is there a template letter to send them asking for proper statement and breakdown of all charges attributed to a credit card account ??

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  • 2 weeks later...

Hsbc just wrote back.

 

They thank me for my letter, say they are still making enquiries into my issues and will get back to me with a detailed response soon.

 

However - in the meantime moorcroft are hassling me.

 

Can I send a CCA to hsbc to quicken the process up?

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  • 4 weeks later...

An update:

 

 

hsbc sent a pile of statements.

 

 

hsbc claim that a marker was put on my acc - gone away - 2.5 years ago, in 2012.

They then say "this action was taken to prevent confidential correspondence being sent to an incorrect address".

They further say "our credit card system was updated to paperless statements which prevented documents from being sent".

 

 

6 years ago there was a balance of apx £3.5k. I missed several payments over the years - however the balance was still reduced regularly and with payments much higher than the minimum monthly amount, often to make up the payments missed - reducing the balance to apx £1k by start 2013.

 

 

hsbc claim the account had fallen into arrears. hsbc claim that when an acc falls into arrears, their standard collection commences.

They state the acc was passed to a dca in Mar 13.

hsbc claim a DN was sent in Dec 12.

And a final demand sent in Nov 12.

 

 

hsbc claim they sent these docs to my address.

BUT this conflicts with their statement they sent nothing out "to prevent confidential correspondence being sent to an incorrect address".

 

 

hsbc then claim that because I did not reply to the DN or Final Demand a default was registered with CRA. And my acc passed to the DCA.

Funny that now there is a default on the CRA, the DCA is sending letters to the address that hsbc held with the "gone away" marker...

 

 

hsbc have refused to remove the default from CRA.

To continue - the DCA is hounding me....

 

 

I need to check through all statements hsbc have sent - to check all the charges incurred to see if they exceed the alleged balance.

 

 

But in the meantime -is there a template for "account in dispute" to send the dca ????

I have tried to access the library to source, but for some reason it says I do not have permission?? Not sure why?

 

 

Can anyone help.

This thread seems to be one long soliloquy??

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I just read thru all hsbc statements.

They have charged almost £200 in late payment charges (£12). Often the same day as they received monthly payment.

 

 

The balance that has been passed to dca and the balance which exists on CRA includes these late payment charges.

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I would like to ask a question please?

 

I have apx £200 of late payment charges added to my credit card debt.

Plus interest.

DCA is chasing me for apx £500 debt.

 

Can I dispute the charges & added interest to the charges with hsbc and get them deducted from the balance owed?

Are they unlawful late payment charges?

 

Anyone's input is much appreciated.

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I have another thread about hsbc charges - but because the title is entitled "Hsbc Card Services Address??" no-one seems to be reading it.

 

 

So I just thought maybe I should start another thread to see if my questions about charges can get answered here instead:

 

 

 

I would like to ask a question please?

 

I have apx £200 of late payment charges added to my credit card debt.

Plus interestlink3.gif.

DCAlink3.gif is chasing me for apx £500 debt.

 

Can I dispute the charges & added interest to the charges with HSBClink3.gif and get them deducted from the balance owed?

Are they unlawful late payment charges?

 

Anyone's input is much appreciated.

 

 

I have written to the dca chasing me advising them that the account is in dispute...

 

 

But I have not written to hsbc card services to ask them to review the charges and/or remove them from the balance debt.

Should I?

If so - what kind of letter should I write??

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It does help if your thread title says something about the problem you are having.

 

What is the value of each charge?

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Thanks.

The £12 is within limits suggested by the OFT several year ago so the charges are difficult to challenge. You might have to try and discuss a FF

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ok start the process

 

1) Get all the statements. Do a full subject access request to HSBC to do so = cost £10

2) Then use a spreadsheet to calculate the interest charged on those charges (OR simpler option interest in restitution at 29.99% comppound interest OR the highest APR they have charged you if higher than 29.99%

3) When you have those totals, come back here :)

 

Be aware YOU WILL HAVE TO ISSUE COURT PROCEEDINGS. there is always a chance you will have to represent yourself if it goes to court. Other Banks tend to settle before, im not too sure on HSBC.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thanks

 

 

Ironically I did just send a sar to hsbc about a current account anyway - which advises them to deal with every account in my name. So I guess this card comes under that remit?

So - that sar which was sent apx a week ago - should stop any action via dca and/or hsbc card services - I hope !!

 

 

Will check the links you listed now.

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I thought the bank charges claims were stopped years ago for late payments, over drafts e.t.c?

 

Current accounts yes. You are correct. Op is complaining about charges made to a credit card which are reclaimable

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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