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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Lynpax Vs HSBC


lynpax
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Finally got the nerve to do this (after threatening to do it for several months)

 

I sent the S.A.R on 12th October 06.

Recieved a letter on 26th October 06, saying the statements are on there way. Along with the cheque for £10.

 

6th November 06 - 6 years statements arrive.

 

Total Charges £1306.50

 

I've now got to get my head around putting all this onto the spreadsheet.

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I've listed all the charges on a spreadsheet now.

Do I send this with the prelim. request letter?

I haven't calculated any interest yet. Is this correct?

I'm sorry if i'm coming across a bit dumb!!

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Am I right to think that I can list all charges first, and send them them with the preliminary request.

And still add 8% when it comes to filing the claim with the court?:confused:

 

You list all charges and interest they have charged you, and on which dates - but the 8% interest is omitted until you file the MCOL.

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  • 4 weeks later...

Been away for a few weeks, but sent my LBA on 27th Nov.

I've checked with Royal Mail, and they recieved it on the 28th. So i've now got to get my court papers sorted. This is were it gets scary!!!:?

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Hiya,

yup I did that....not one problem...you get to a stage where the next stage is submit so just save it there! That sounded muddled but I know what I mean...hope you do!

Babs xx

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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  • 2 weeks later...

Just working on my MCOL. Having a nightmare trying to get the particulars of claim into 24 lines!! Eventually, is this Ok??

1.The Claimant has an account ******with

the Defendant, opened September 1996. 2.

Since 13/12/2000 the Defendant debited

charges and in respect of purported

breaches of contract. 3. Defendant is aware

of all details as a list of charges has

already been supplied. Another copy will be

sent. 4. Claimant contends: (a) The charges

exceed the Defendant's losses caused by the

breaches; (b) The Term permitting the

Defendant to levy such charges is

unenforceable under the Unfair Terms in

Consumer Contracts Regulations 1999, Unfair

Contract Terms Act 1977 and at Common Law.

5. Claimant claims; (a) return of the

amounts debited of £1306.50;(b)

Interest per S.69 County Courts Act 1984 of

8%- £224.73 continuing at 8% until

judgement or settlement at a daily rate of

£0.0022; 6. Alternatively, if the charges

are a fee for a service, then they must be

reasonable under S.15 of the Supply of

Goods & services Act 1982. 7. Costs allowed

by the court.

 

 

 

Thank in advance:D

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  • 4 weeks later...

I haven't been able to file my MCOL, due to being skint over christmas, but got paid on Friday and was about to do it.

When I received my mail, there was an offer of £1236.65!!!

 

I think i'm gonna settle, its only £70 short of what i'm claiming.:D

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70 must be the new black this season - i just saw another- exactly that - 70 short but they are going to take it.

certainly can see why - on the other one - they wanted to settle with it into the account (maybe to clear o/d?), advised them to settle only with a cheque (depends on what you want/need). good luck and congratulations.

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  • 2 months later...

Can someone please tell me if I can start a new claim, HSBC took £100 last month in charges.

When I settled last time they sent me a letter to sign and return, i've checked what I signed, and all it says is "For commercial reasons alone, and without any liability whatsoever, HSBC is prepared to make a payment to you in the sum of £**** in full and final settlement of this matter"

 

Does the bit where they say "Full & Final Settlement" mean I can't claim agian?

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i believe on the full and final settlement letters dg send out, they state that you can't claim again for the period of the claim. that's not saying you can't claim again after though so go ahead. just be aware that if you do, they might close your account and it may be advisable to open another 'parachute' account just in case. good luck and congratulations on the last win/

If i've been helpful in any way....then tip my scales over there!

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well done,

and please could you edit out your particulars in the post up above - the guys here ask we not put them in as it means people don't have to register. thank you.

yes, the acceptance up until recently said you couldn't claim for those charges again - as if......- but i think lately they are trying it on by saying can't claim again for that time period - which would be overstepping what they should put.

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  • 3 months later...
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