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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
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I need 12 months worth of statements from 2 accounts, ask for statements or full SAR???


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In simple terms this is 1 of my 3 accounts,

its literally used for a couple of direct debits that I want to keep separate.

Having second thoughts considering I keep missing them.

 

I had a direct debit come out this morning which I had forgotten about,

checked my bank and it had been paid so I thought best transfer enough in so i'd not go overdrawn which I did.

And being extremely cynical of banks I take screenshots of everything just incase.

 

 

Interestingly I just checked back and that same direct debit has now been bounced

and if you have a look at my screenshots from lunch time today and this evening you will see that they prized the bounced dd

between the dd and the credits.

 

 

Naturally i'm extremely anoyed about this and you can bet that if i'd not of credited the account they'd of paid it and charged an od fee.

I will be charged £25 for this so naturally if I can get around this i'd like to.

 

I should add that there is no charge for being less that £10 overdrawn and they do not charge for being overdrawn if you are bank before 3.30 that working day.

Any ideas much appreciated.:-x

 

Screens

Lunch : http://i1017.photobucket.com/albums/af299/badgercraig/Dirt/before.jpg

 

 

Just now: http://i1017.photobucket.com/albums/af299/badgercraig/Dirt/after.jpg

before.jpg

after.jpg

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  • 3 years later...

Strangely checked my banking today by phone and was surprised to be overdrawn.

 

There was a debit for £72 that was not on my pending transfers yesterday

 

I got through to a rep who told me it was overdraft charges from last month,

 

he then said and I quote

"I've refunded them and they will be back in your account tomorrow",

 

its a business account if that makes any difference but I was totally lost.

 

Ive had a couple refunded before just for asking but I didn't even have to ask.

 

Guess I'm just putting this here as it is probably worth giving them a bell if you have charges and asking.

 

I didn't even have to turn on the confused act.

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  • 8 months later...

Ive just noticed that my hsbc account is now an Advance account rather than the standard account. Ive not had anything in writing or have I applied for anything. Should I be concerned?, is there are a charge on this?. All I can seem to find is lower overdrafts but I don't use and overdraft so makes no difference.

The only thing I can possibly think is that I closed a business account a few months ago and they moved the credit card which was a commercial card to my personal account. :???:

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I think you should perhaps ask them why they have done this and ensure you obtain a copy of the terms and conditions for the account.

 

When you have had a response, let us know and we can advise further.

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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

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Some banks do make these changes without advising customers. What you need to establish is, if this is a free account and that you wont be charged for things you don't want.

 

They are obliged to advise you 30 days before any changes are made to any changes in account or terms and conditions.

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

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Yeah.

Maybe its in with a statement or something so i'll have a look.

After having a search it seems it is now free and offered to those earning over a certain amount.

As far as I'm concerned as long as there are no negatives i'll just continue.

 

http://forums.moneysavingexpert.com/showthread.php?t=5050752

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Have just noticed this from a recent t&c update which came as an email (google Important changes we've made to the terms and ... - HSBC) and you can download the pfd, I can't seem to get the link to copy.

 

 

Page 12

HSBC Advance Bank Account eligibility

We’ve added an alternative eligibility requirement. So instead of paying at least £1,750 into your account each month you can alternatively pay a minimum of £10,500 into your account every 6 months. Internal transfers from any other sole or joint personal accounts you hold with HSBC Bank won’t count towards these amounts. HSBC Advance Bank Account applications are subject to status and internal checks.

Page 7

Bank Account terms and conditions clause 1

We’ve added the right for us to upgrade a Bank Account to either a HSBC Premier Bank Account or an HSBC Advance Bank Account if you meet the eligibility criteria.

Page 6

Current Account eligibility

We’ve added the right for us to upgrade a Current Account to an HSBC Advance Bank Account if you meet the eligibility criteria.

Page 11

Graduate Bank Account terms and conditions

We’ve added the right for us to convert a Graduate Bank Account to either an HSBC Advance Bank Account or Bank Account (depending on which eligibility criteria you meet) at the end of the two year term.

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  • 5 months later...

Well 6 weeks later I got another letter giving me 2 months notice to close my account and move on. I suspect it was business use.

Have since opened a business account with Santander and a Cahminder with Co-op. Being extremely careful and looking after everything and keeping things in order. Strange no doubt.

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  • 2 months later...

Just doing my tax return and need to check a few things. In order to do so I need statements for a couple of closed accounts with hsbc.

Now I only need the statements and nothing else and I know it would take them a long time to compile a SAR while I imagine statements could be done very quick.

 

I have no local branch now so any ideas what to request would be appreciated.

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Statements are usually a few quid a pop per page... If I remember rightly.

 

A SAR may be the best way :) Will be done within 40 days (Usually 14 - 21 days)

 

Just specify what you want in the SAR, they will supply just what you need...

  • Confused 1

 

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SAR would be the best way to go agreed, however, when were the accounts closed? Longer than six years?

No, one was literally closed june this year and the other the year before. I only need 13 months worth of statements. I was doing online only through that period so didn't ever have statements.

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No but if you pay the Stat Fee for a SAR request and request them they will give them to you as its information held on you under the DPA Request

 

We could do with some help from you.

 

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

 

**Fko-Filee**

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I just rang them and they said to send a letter and £10 to my nearest branch(which is now not that local) requesting which statements I need and they will post them me within 5 days. Seems simple enough. I'll just drop a letter with a £10 note in the post.

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