Jump to content


  • Tweets

  • Posts

    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
  • 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

HSBC 1997 Credit card - Is it possible to get a default removed


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

Thread Locked

because no one has posted on it for the last 3384 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

  • Replies 56
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

So if you want to pay the debt off at an affordable rate you need to communicate with the bank and come to some sort of arrangement. I am not quite sure why you would bother with a CCA request .

 

BTW avoid is such an emotive word, if you stopped paying you would merely be using the law against the banks as they would only be too happy to use it against you.

 

Of course another possible option is to stop paying for a while then either save up and offer a full and final or then make reduced offers

Any opinion I give is from personal experience .

Link to post
Share on other sites

So if you want to pay the debt off at an affordable rate you need to communicate with the bank and come to some sort of arrangement. I am not quite sure why you would bother with a CCA request .

 

BTW avoid is such an emotive word, if you stopped paying you would merely be using the law against the banks as they would only be too happy to use it against you.

 

Of course another possible option is to stop paying for a while then either save up and offer a full and final or then make reduced offers

 

 

No, you would be placing yourself in difficulty if you cease payments and the creditor reconstitutes the agreement, because you then are in breach of contract whereas the creditor has remedied his breach, see Kotecha v Phoenix, it is clear s78 can be remedied.

 

If you wish to raise a challenge to unenforceability under s61(1)(a) then you should read HFO v Patel which is an appeal court case (Unreported) the appeal court ruled a debtor must make a positiive assertion that there is no signed agreement or that the agreement is improperly executed.

 

Of course, if its interest they want to charge, if there is a breach of contract, ie t he debtor stops paying, then they must serve notice of sums in arrears in the prescribed form before they can become entitled to levy interest on the account. Of course, these breaches are remediable too.

 

as far as full and final, dont get caught by the Pinnels / Foakes v Beer case, as payment of a smaller sum in satisfaction of a larger sum is not good consideration to discharge a contract. However, if there is accord and satisfaction, or even better a payment offered by a third party in settlement, and it is done so on the basis of cashing the cheque is acceptance of the offer, and if rejected the cheque should be returned, then you may have a strong binding agreement. See Bracken v Billingshurst for the leading authority on this point.

Link to post
Share on other sites

phoenix v kotecha? didnt remedy it too well did they?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

I suppose the question that no one has asked is this

Is the account up to date or has it at this point already been defaulted

 

 

I do not see anyone saying that S78 can not be remedied although often when the try to do that they get it wrong by sending only the missing bits whereas the law states that they must be all sent together

 

 

 

I am still waiting for the judgement you refer to in post 23

 

Falco

I am not quite sure what you mean by the excessive amount of interest

Edited by fletch70

Any opinion I give is from personal experience .

Link to post
Share on other sites

phoenix v kotecha? didnt remedy it too well did they?

They did actually, it was remitted to the County Court, went before a Recorder, and was settled.

 

They did remedy the s78 breach however, although the victory was a phyric victory in real terms, they spent some 30k to recover 20k

Link to post
Share on other sites

I suppose the question that no one has asked is this

Is the account up to date or has it at this point already been defaulted

 

 

I do not see anyone saying that S78 can not be remedied although often when the try to do that they get it wrong by sending only the missing bits whereas the law states that they must be all sent together

 

 

 

I am still waiting for the judgement you refer to in post 23

 

Falco

I am not quite sure what you mean by the excessive amount of interest

 

Arrow Global Guernsey Limited v Frost

Bristol County Court

Recorder Simon Monty QC

Link to post
Share on other sites

Interesting to hear about Kotecha, it was widely trumpeted as a victory for the section 78 argument, even though the judge said that the creditor could just refer it back to the County Court, but I did not know that they actually had.

 

The issue of enforceabilit in the absence of an agreement has been the elephant in the room for some time, ever since it was mentioned in Carey that the act only says that an agreement" was signed" and that there was no stipulation that one should be produced.

 

I wasn't aware of any cases that had been won on this , although I did know of a case where the judgment was pending, is this the one? Has it just been handed down?

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

I would be really interested to see a copy of this one, do you have a link?

I have a paper copy, but i have been asked not to distribute it, because it is simply a county court decision. However while stare decisis doesnt operate, there is a view that County Court rulings are persuasive and it is likely that a Judge would follow the ruling of the Recorder.

 

I am trying to get this posted on BAILII, and will let you know when it is up there

Link to post
Share on other sites

I am sure you will forgive me when I say that until I see the details I will not come to any conclusions.

 

I also have issues with court records not been available at whatever level (unless there is a good reason to keep them private)

 

Can you at least say when the agreement dates from

 

As an aside, in the Santander v Mayhew case the judge stated that it was irrelevant that the sum on the DN put the creditor at a disadvantage however since then another court has ruled that when this is the case it does not invalidate the DN. ( Yes I know Ms Mayhew)

Any opinion I give is from personal experience .

Link to post
Share on other sites

I am sure you will forgive me when I say that until I see the details I will not come to any conclusions.

 

I also have issues with court records not been available at whatever level (unless there is a good reason to keep them private)

 

Can you at least say when the agreement dates from

 

As an aside, in the Santander v Mayhew case the judge stated that it was irrelevant that the sum on the DN put the creditor at a disadvantage however since then another court has ruled that when this is the case it does not invalidate the DN. ( Yes I know Ms Mayhew)

Indeed, and that would be HFC Bank v Moody.

 

There are about 6 other judgments which go the other way on these things, sadly the banks dont seem keen on taking these cases up to the Court of Appeal

Link to post
Share on other sites

It would appear that you are pro bank and anti consumer, would that e a fair assessment?
No it would not be a fair assessment at all. Poles apart from when i stand.

 

I just happen to keep my finger on the pulse more than others in the world of consumer credit litigation thats all. As for my identity that shall remain a matter for me and only me.

 

Of course, if by correctly pointing out the law i am deemed pro bank, then perhaps i should become pro consumer and tell you to follow the incorrect line of attack, then comfort you when you lose? id prefer not to but if thats how we want to play things then im happy to.

 

I can assure you my credentials stand up to scrutiny.

  • Haha 1
Link to post
Share on other sites

The vast majority of people in here looking for debt help are already in trouble and not looking to avoid paying debts but are not in a position to repay.

I will admit that maybe more details should be asked for prior to giving opinions.

You claim to have good credentials but without proof why should anyone trust you more than me more than andyorch.

You make a reference to county court judgements being persuasive but then give examples of just the opposite

You mentioned case law about making a positive assertion. Indeed you need to be able to say why the agreement is incorrectly executed OR make the assertion that you didn't sign any such agreement.

 

As for S77-79 i agree absolutely that in most cases this can be put right but not in every case. Does every deed of assignment have open ended rights to return some or all of the account to the OC.

 

In this particular case the bank has written saying ut can nite provide the S78 request and if they were then to fudge a copy and try to enforce that letter would be pretty persuasive to a judge that a signed compliant agreement had not existed. Of course every case is different

Any opinion I give is from personal experience .

Link to post
Share on other sites

As to the non publication of lower court cases, to publish and/or cause 'every day' cases in the CCs including 'chambers' hearings would not be practical, also I believe that the public at large would not want this scenario it's enough that a judgement becomes a public record in all cases.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

The problem with this is that many lower court cases are available by dedicated providers to the legal profession.

 

Whilst these cases do not in themselves create precedent as said previously they can be persuasive and influence any decision. This creates an uneven playing field for the LIP

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

A judges duty is to interpret 'Law'

 

The Civil Justice Council document, 'Access to Justice for LIPs'

 

http://www.judiary.gov.uk

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Emm there's a large tail to that link works for me. Browse Litigants in Person - Civil Justice Council.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

To be honest I can not see why it would be impracticable to publish all county court cases . After all how are they recorded, Easy to get online Of course I am not suggesting that cases involving families, minors or vulnerable people are published. It does indeed put a LIP at a disadvantage

Any opinion I give is from personal experience .

Link to post
Share on other sites

  • 1 year later...

I have a debt for an HSBC credit card that dates back to 1997

 

This account was defaulted in 2013

 

Having contacted them I now have in writing confirmation that they do not hold a CCA for this

 

Is it possible to get this default removed as with no CCA they therefore have no permission from me to record

or pass on any data regarding me or my account

 

All information gratefully received

Link to post
Share on other sites

Indeed, a lot of the HSBC CC accounts from that date did not have an agreement sent. Credit cards were sent out with Debit cards and I would think that might be considered unsolicited.

 

If you can say with absolute certainty that you never signed an agreement, then it might be worth asking them to remove the default..

 

However, if you have any doubts at all, then you risk them finding something with your signature on.

 

You say it was defaulted in 2013 - when did you make the last payment to the account ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...