Jump to content


  • Tweets

  • Posts

    • Thanks for all responses I’ve been looking at other threads and now feel totally confused as I’m scared of actually having to go to court as I have no idea how to defend this! Torn between just setting up a payment plan and not wanting them to win! 
    • Thanks so much!    1. on planning permission my WS says: The signs did not have planning permission under the Town and County planning.  I have an email stating there was no planning permission from the council. The signs do not fall under deemed consent.  * Their WS says they do not need planning permission by being an approved operator of the trade association, and it is not for the  county court to determine planning permission.   2. Excel are trying to say I’m dishonest.  Their WS states my defence appears to be cut and pasted from websites relating to parking whose aim is to assist motorists on contesting PCN's. Large portions are non sensical and irrelevant to the claim   This is Unacceptable as the defendant has signed a statement of truth whilst clearly not being the defendants knowledge    Q Any comments?      Their WS states that I alleged I received no correspondence, and the onus is on the driver to update DVLA. I did update DVLA, but I moved numerous times due to domestic abuse. This was in my set aside and part of why it was granted. Evidence was provided at that time. Q Is this going to come up again?    *Also they question how I would be able to comment on the signs if I’m not the driver of the vehicle, as she would not have first hand knowledge, therefore it is the claimants position that she is being disingenuous.    I state that photos will be provided in my bundle. I actually haven’t submitted any but I do also know somebody who had PCN from the same carpark,   He gave me all his evidence etc, Mr Booth and he won his case. I linked to the parking pranksters article on it.  Q So is it ok to use such websites and to use photos from someone else?    Thanks    I put Excel to strict proof that any contract can exist  *Their WS states it falls foul of the unfair terms in consumer contracts regulations 1999(UTCCR 1999). Claims the regulations don't apply   This is the link to Mr Booth case who won on the signage  Also the PCN is completely blurred and illegible in their WS evidence  Is this another point?    I have his his email regarding planning consent, Mr Booth had an email from the town planning officer stating that in his opinion the signage would require planning consent     http://parking-prankster.blogspot.com/2017/01/excel-parking-v-booth.html?m=1   He had a number of lines of defence, but focussed on the poor signage in the car park. Excel Parking used BW Legal who hired a local solicitor to turn up. She wasn't that well prepared and had not bothered to bring printed copies of the case. When the Judge asked her to refer to defence photographs provided of poor signage she used her phone. Mr Booth admitted that he never bought a ticket - but this was because he never saw the signage signage in the first place and so no contract was entered into. Excel provided pictures of the signage, date stamped for August 2015, but the event was in March 2015. They also provided at the last minute a witness statement from the landowner stating he gave authority, date stamped September 2015. The PCN they sent in their Witness statement was a photocopy and completely blurred and illegible. Mr Booth's arguments were that; 1. Poor signage - there were "staff only" parking signs on the building wall next to where he parked - he questioned the claimant's right to sue someone parked against these bays 2. He questioned their authority to act on behalf of the landlord 3. He questioned whether the signage had planning consent. The Judge followed this through with Excel's representative: "Did they have a contract which said these bays were exempt or not exempt from Excel issuing tickets on the vehicles parked? As Excel had not bothered to supply a copy of the actual contract, the solicitor could not confirm either way. Regarding. planning consent, Mr Booth had an email from the town planning officer stating that in his opinion the signage would require planning consent, and that there was no planning application on file. The judge said if Mr Booth had only brought this point up he may have found differently. The judge clearly had doubts about the signs where any reasonable person would think the same and that the "staff only" signs would not lead them to think there was a requirement to buy a ticket. He took a recess for 10 mins then made his judgment. Claim refused - the parking signs cause confusion , and there was prof there was a contract which allowed the charges claimed. He went on to state that he was staggered that serial claims companies like Excel do not take a photo of the signs at the time of erection. Why do they wait until litigation to take photos. There was no evidence that the signs were there at all on the date.    
    • Not anymore now that the right have manipulated voters into voting for a conservative dictatorship.   All of what you've said is just another worrying aspect of what the future holds 
    • Just like all the rubbish spouted over the past 4 years, would, would, would.  What you really mean is COULD.    
    • You're ignoring the most difficult issue in a trade agreement. It's not the tariffs or the lack of them  which is the tough part to reslove but the regulatory standards of the goods to be imported & exported that needs to be decided.   For example the EU banned the import of chlorine washed chicken since 1997 which of course hurts the US, and who are going to be very keen to include it in any new agreement with the UK and will use it to barter prospective concessions in exchange . As a nation we're going to first have to decided whether that is acceptable or not and that alone will be difficult enough to resolve. And that's just one product.   This has all the makings of a category 5 $h1t storm that will last an eternity. 
  • Our picks

Millown

HSBC PPI Head of Department details

style="text-align:center;"> Please note that this topic has not had any new posts for the last 625 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Feeling like I could do with some advice please. I have had 2 PPI's that HSBC have agreed to pay out on. I sent all the forms back on 16th Feb and was told that the offers were sent out to me that week. Nearly 7 weeks on and I have still had nothing in the post.

 

I have been chasing weekly and have been promised calls back on 8 occasions. Can someone give me a direct email address of the head of complaints who deal with PPI at HSBC? With a husband who has been out of work for 8 months, this PPI payouts really will ease things for us and was hoping that they would have been in out account by the end of March.

 

Any advice I'd be so very grateful for. Thanks in advance.

Edited by Andyorch
Paras

Share this post


Link to post
Share on other sites

I'm not sure that you will get the answer you want to hear and even if you do I'm not sure that sending an email will make any difference.

 

I hope you have been keeping a log of all the calls and promises you have received – because this itself is a basis for some extra compensation even if it is not very much.

 

Also, even though you may be short of money, look very closely at the offers that you are being made because you may well find that they're not refunding you everything you are entitled to. You should come back here and let us know what the dealers before accepting.

 

If you do accept then I think you need to make it clear that your acceptance is provisional and that you reserve your right to come back to them if you disagree with their calculation.

 

I'm afraid that probably the best way to provoke a reaction from them is to begin a formal complaint which should eventually lead to the FOS. It's not very satisfactory but it might help to move things on. I would suggest that you call them and tell them that you want to make a formal complaint. Make sure that you get a reference number and tell them that you want it to go to the ombudsman. Go through it all carefully on the phone – read our customer services guide for tips as to how to do it and you should implement all of the advice including recording the call.

 

Maybe somebody else will come along with the email address that you require – but I'm afraid that I'm very sceptical that these "CEO" emails ever really get to the CEO. I rather think that these email addresses are handed out in order to make customers feel that they are being treated a bit more seriously – but in fact they are all eventually rooted to the same complaints team.


Share this post


Link to post
Share on other sites

Thank you BankFodder. All calls and promises have been recorded (dates and times etc), as have the names of the various individuals that I have spoken to. I will certainly come here with the offers and hopefully someone of experience will be able to help me ascertain if they are correct or not.

 

I will now look at referring this to the FOS. Will now consult the customer services guide - thanks again for the advice.

Share this post


Link to post
Share on other sites

i wouldn't trust hsbc to get any PPI payment right either!!

 

have you sent an sar and done a spreadsheet to workout what your reclaim should be?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Have had great success with the email I sent. First offer through - premiums paid from 30/12/04 to 02/01/08:

 

Paid PPI premiums and interest: GBP134.14

8% compensation on payments made: GBP125.80

20% Tax deduction on 8% compensation: -GBP25.16

 

 

Approx Refund available Net of Tax: GBP234.78

 

 

Does this look calculated correctly? Am waiting for the second offer which should be circa GBP2,000

Share this post


Link to post
Share on other sites

no way of knowing without the statements.....

 

but no from 2004!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks for the reply as always you are so quick to revert back.

 

I have managed to get the head of complaints to come back to me with this offer.

What is the best way to go back to him in respect of the offer?

Do I ask for confirmation of the loan amount at outset or will I have to wait weeks for an SAR if I request the statements?

 

He has apologised for the way my two complaints have been handled and is looking into it for me. Any advice?

If I accept the offer can I in anyway ask that it be reconsidered once I have received the SAR's or does acceptance mean I accept and case closed?

Share this post


Link to post
Share on other sites

Second offer just through. Can anyone help me check that these calculations are acceptable bearing in mind I haven't requested a SAR. I wrote to them and they came back to me and said yes I have had PPI on the card and that I could complain.

 

This is the offer:

 

First Premium Charged 02 Jan 2001

Valuation Date 23 Feb 2018

REDRESS TOTALS

Manually Entered premiums. GBP704.25

 

Pre-statement period estimated premiums GBP233.07

 

TOTAL PPI Premiums GBP937.32

Interest Charged to the Card (non taxable) GBP704.23

All Credit Interest (taxable) GBP980.37

Total Fee Refund GBP225.00

Total Compensation Calculated GBP 2,846.92

Share this post


Link to post
Share on other sites

does the letter say full and final.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Yes it does.

Share this post


Link to post
Share on other sites

urm..i'd p'haps not except it then until you've the info to check its correct


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...