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    • 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.
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Tara-M vs HSBC- MCOL, little advice needed


Tara-M
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Hey peeps

 

I have sent my two letters and am at that all important MCOL stage, have been re-reading some of the threads and think I'm about good to go, however have a little concern-

 

I read somewhere that if you opened your account pre 1996 that you may not be covered by the act that we are basing our claims on. I opened my account in 1993, should I be worried?

 

Also, in the time I sent my letters HSBC have charged another £125 in over draft charges, can I add this onto my new 8% spreadsheet even though I didn't include it in the previous spreadsheets?

 

Thanks in advance!

Tara

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I read somewhere that if you opened your account pre 1996 that you may not be covered by the act that we are basing our claims on. I opened my account in 1993, should I be worried?

 

NO

 

Also, in the time I sent my letters HSBC have charged another £125 in over draft charges, can I add this onto my new 8% spreadsheet even though I didn't include it in the previous spreadsheets?

 

I ADDED MINE IN, NO PROBLEMS. CLAIM IT NOW, AS IF YOU DO IT LATER THEY WILL CLOSE YOUR ACCOUNT

 

crusher :D

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Agghh, Crusher I need some help, think it must be because it's getting late but I'm filling in my MCOL and i'm getting confused with the charges

 

On my spreadsheet my total bank charges claim is £1034, the total for the 8% bit is £75.84 therefore the full amount now seems to be £1109.84 and it's approx 24p per day according to the spreadsheet.

 

For the MCOL where it asks for total amount (so it can figure out how much court fees you need to pay) do I put £1034 or £1109.84??

 

Don't want to get this wrong so any advice would be much appreciated!

 

Tara

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The 24p per day goes into the main text (when you click on the button it tells you the wording to enter) total claimed is just that, the total.

Have you claimed for the interest charged by the bank on those charges?

(trying not to confuse the issue :D )

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Hi Crusher,

 

I haven't claimed for the interest on my charges (too confusing to work out) and now I'm wondering whether I've filled out the right spreadsheet for the 8% charges, the one I filled in was "from claim date with Statutory Interest" Is this the right one?

 

I've not submited my MCOL just yet, just want to make sure I'm doing everything right!

 

Look forward to your reply...

T

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Hey peeps

 

Can someone please check this for me before I submit my MCOL online, this is the text for my claim:

The Claimant has an account (my acct no) with

the Defendant, opened April 1993 2. Since

14/11/04 the Defendant debited charges and

interest 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 £1034; (b) Interest per

S.69 County Courts Act 1984 of 8% - £75.84

continuing at 8% until judgment or

settlement at a daily rate of £0.24; 6.

Alternatively, if the charges are a fee for

a service, then they must be reasonable

under S.15 of the Supply of Goods and

Services Act 1982. 7. Costs allowed by the

Court.

 

What I'm concerned about is that I've got the 8% bit right i.e. point (b) £75.84 and 0.24p.

 

So, am i basically getting an extra £75.84 plus 24p per day on top of my initial charges until they settle?

 

Sorry just getting all jittery and am normally pretty clued up with this type of stuff!

 

Can anyone help?

T

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Hey peeps

 

Can someone please check this for me before I submit my MCOL online, this is the text for my claim:

The Claimant has an account (my acct no) with

the Defendant, opened April 1993 2. Since

14/11/04 the Defendant debited charges and

interest 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 £1034; (b) Interest per

S.69 County Courts Act 1984 of 8% from xx/xx/xxxx to xx/xx/xxxx of [delete the -] £75.84

continuing at 8% until judgment or

settlement at a daily rate of £0.24; 6.

Alternatively, if the charges are a fee for

a service, then they must be reasonable

under S.15 of the Supply of Goods and

Services Act 1982. 7. Costs allowed by the

Court.

 

What I'm concerned about is that I've got the 8% bit right i.e. point (b) £75.84 and 0.24p.

 

So, am i basically getting an extra £75.84 plus 24p per day on top of my initial charges until they settle?

 

Sorry just getting all jittery and am normally pretty clued up with this type of stuff!

 

Can anyone help?

T

 

See amendment above.

 

I think the daily interest is 23p (just splitting hairs here!) its 8% on the charges divided by 365, not charges plus interest x 8% divided by 365.

 

Can't check the £75.84 for you because that is calculated by the spreadsheet from the date of each charge.

 

And, yes you get the interest and the daily rate until they settle.

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Right then, I've submitted my MCOL, paid 120 quid, it's the final count down now.

Am guessing that HSBC will request a copy of charges etc, but just a waiting game now. Roll on Dec when I get my cash back!! Prob not much chance of getting it before xmas but I bet HSBC are trying to offer low settlements at the mo knowing that most people could do with the cash before xmas...

 

T

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GOOD LUCK TARA!!!!!!

 

Can I just ask a quick question. Mr Tigerpants, who I am doing all of this for, has had this account for about 22 years will we definitely be covered to make his claim. I know that you've said above that its ok from 1993 but we're talking about 1984, will that still stand?

 

TP

xxxxx

 

Sorry for the hijack Tara

Preliminary letter sent to HSBC - 10 October 2006

received by them 12 October 2006

NO RESPONSE

Letter before action sent to HSBC - 24 October 2006

received by them 26 October 2006

Lets wait and see.......................

HSBC settled 90% claim - 16 November 2006

VERY HAPPY WITH THAT THANK YOU!! :D

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Right then, I've submitted my MCOL, paid 120 quid, it's the final count down now.

Am guessing that HSBC will request a copy of charges etc, but just a waiting game now. Roll on Dec when I get my cash back!! Prob not much chance of getting it before xmas but I bet HSBC are trying to offer low settlements at the mo knowing that most people could do with the cash before xmas...

 

T

They make low offers in any case, its the silly games they play, but I think you stand a chance of getting the money for christmas.... heres hoping! :D

 

Tiger... You can claim back 6 years easily, no matter of when the account was opened. Mine was opened in the 80s.

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Hey Tara

 

Just a quick good luck. I posted my MCOL just over a week ago, not heard anything from them yet. I am expecting a letter from DG asking for a breakdown of charges, and have even prepared a response (see my thread) to send them.

 

Here's hoping we hear back soon. I could really do with the money before Christmas, but am not banking on it.

 

By the way, I understand your worry about filling in the particulars of claim correctly. I had the same concerns... and then went and filled the form in wrong like a buffoon! That said, yours all looks fine to me!

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Thanks guys, think I got the spreadsheet right in the end, better have done because it's been sent now! Fingers crossed for cash before xmas eh! HSBC owe me one anyway, they closed down my current account by accident last month when they were meant to close down an old joint account, the problems that caused!

 

Good luck everyone!

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