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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • 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.  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 if paid promptly).  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 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 2) 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. 
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Bizarre Letter including a cheque received from HSBC....Scam ?or dangling a carrot for fishing? confused...


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Hi Again  every one,
here im again asking for advice, im not sure where to post this thread so i created this under the bank name, did search CAG & google didnt come across this exact situation.


I Received a letter fom HSBC today first one ever so suprised what it was about it goes  a below, apologies for the spelling mistakes in advance.

Dear MR *****,
our Reference ****  "quite long"

Relavant acount number(s)*****

 

 

we recognise that you may no longer me a customer with us , however we are writing to you because we've undertaken a reviewof the above account(s),

we've determine that the quality of service you received rom us did not meet the standard...etc...... you should be compensated for your experience.


the address information we hold on file may no longer be up to date ,thereforwe the information included in this letter is limited for confidentiality reasons.further details can be provided upon reqeust..

the payment due to you is £25.00  a cheque for this amount is attched .

what we need you to do

simply bank the attched cheque....etcccc. goes on to say if this is not possible ( it isnt now) they direct you to a website , hsbc.co.uk/mydetails  which will ask you for all sorts of details and documentaion  for verification( suspicious to me ).

i am stumped by this .as i mentioned in my previous thread i only returned to the country and went on the electoral roll at my current address last year.

 

 

this is the first letter i have received from HSBC

i, used to have a CC with them ( default when in 09/20009 .last payment 06/2009) no acknowledgement since ever . 

have checked saved credit file from 2014/2015  they dont seem to have updated it since 2012 obviously this fell i guess somewhere in 2015.

they dont seem to have assigned it to any one either(not sure)

 

there is a GAIN marker in the old file.

i didnt know they kept records over 11 years anyway


come to the present day no CCJ's ,

checked registry trust for CCJ's no records,

even during those days i dont remember receiving many  collection letters from these before i left ,

definitly didnt make a complaint either.

Google serach says they automatically review accounts with HFC & john lewis accounts for compensation .

only had a 1 HFC finance account but that was before my illness & financial troubles and i definitely paid that off with out a missed payment ,

it does not appear in the old CRA file i guess its because its so old ,

no JL finance accounts ,

so im really confused about this.

 oh most importantly the last digits of the account number they give doesn't match my old CC number , dont know about old HFC dont have any records, but i never complaint about that i dont think , think it was only small monthly payment .

apologies about the length of the post , any thoughts welcome, is this a fishing expedition by dangling a £25  carrot i have no intention to bank it anyway even if it was possible,

Thnaks

 

 

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cant harm you bank it

 

dx

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks dx like your thinking , but its so bizarreand out of the blue it too good to be true even if its £25 😅😅  and add to it they ask me to bank it in 3 differnt places too eager , cant find anything on a websearch either so thought id like to know more details too many sharks about  , 2nd time i declined a handout this year :p

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i wouldn't be refusing any handout at all

there is no reason

it cant reset anything

and most certainly can never be used as acking any debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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But - if there are any problems - don't give any personal details

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Thanks for the replies ,yes went to the link stated on the letter definitly asking for a lot of document copies  and other data..🤔, just google the number on the letter and came up with this,one mentions they had geniuine acc numbers but not so in mine completley wrong, even in part .
https://scam-numbers.co.uk/Number/03455873533/

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Gobbledegook 

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🤣 i just read my reply back

 

ooops i used quote 😐

 

cant edit my reply , meant to say above ,

i googled the  contact Number on the HSBC letter 03455873533 and came up with the above link

seems like im not the only one who got the exact letter , all seems to have received it within the past few days.


one comment mentions that the letter had their correct account numbers ,but the letter i got has  a completely different account number no part of the account number matches the genuine number .

 

apologies for the Gobbledegook 

Edited by listless
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Just to update this thread for the op.

 

I have received the same letter with a cheque for £25, the letter had my correct A/C Numbers on as well.

 

The letter is vague as all it states is that they have reviewed their collections and recoveries departments and that it did not meet the standard that they expect.

The letter does not say what had gone wrong or where, what standards had failed and I will now be following up on this.

 

This stems from our Accounts from 2008 btw and we continuously thought with HSBC before it got to the collections stage so they have now opened up more questions that I want answers to.

 

HSBC found my new address, I did not give HSBC my latest address as I had postal redirection and the Accounts have been statute barred for nearly 6 years now.

 

Stigman

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Just as update to Stigman,

the letter I received does not mention collections and recoveries at all .

the account number is definitely wrong .

 

like @Stigman i did not give them the current address either in fact the old credit file even has a GONE AWAY marker too,

 

mine has been SB'd for over 5 years now , so im in the same boat.

 

having looked at that old CRA file it says satisfied with a default balance , so they must have sold it on perhaps in 2013 as it wasn't updated since ,but no other records on file to who may have purchased it .

MSE has this article but it doesn't seem relevant me MSE Article & which article

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Bank the cheque.  No doubt it will bounce - but you never know.

When it bounces - that is when you are meant to access their website link and enter your personal details - but of course - DON'T.

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Thanks , what  I can't understand is why they would go to such elaborate scheme to try collect statue barred debts ( if that is what they are trying to do , certainly on my one I'd does seem so ,as the account number is wrong , unless some one stole my identity and opened an account in a different address and defaulted it.

 

Am  I correct in thinking this wouldn't appear on my credit files  unless it goes on public records?

My credit score has been pretty good for a while now even though I shouldn't be approved for credit as I still hardly have an income to speak of 🤔 unless someone told porkies. I hope this is not the case.

I even checked the bank address on the cheque it seems a genuine HSBC bank branch.

55 Above Bar Street 

        Southampton, SO14 7DS

As I said bizarre..

Btw : they have a Q&A section on the letter where they say they might write again as the review system may not have completed. Does sound like a fleeces letter.

 

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no it's not a fleecers letter...

can't harm your credit file as you are not admitting to anything.

if the account is still with the original creditor then on their books its never statute barred

if it's sold, then it is and nothing can ever reset that.

 

its also worthy to not that if you did still have any debt with the OC, they would be sending you a cheque, they'd take it off the balance..

 

dx

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx,
when you say  " on their books its never statue barred "  by law its statue barred correct? its been 11 years since the default and never been acknowledged afterwards , i should have couple more old saved credit reports from 2013/2014 ill have a look n see if its comes up with another purchaser ,not that it matters, but will get my mind off it a but

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debts still owned by original creditors still on their books don't effectively become statute barred as they can always use offset.

in E&W the only thing SB does is removes being able to enforce a debt, so what's the point of court if it cant ever be enforced. they don't bother.

 

but if read things carefully again...as i said, if there was a debt to the OC they wouldn't be sending a cheque would they..think abou tit..

 

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just bank the cheque 

100% genuine 

Banked mine, cleared,

money in account ready for a bottle of something on HSBC for Christmas 

Have written to HSBC requesting details of their "failure "

and will decide on the details of their reply whether to press for further redress 

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.

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My letter and Cheque is attached.

 

I have searched like Listless the addresses both on the Cheque, and the Business Centre and these comes back as correct for HSBC.

Even the FCA number in the small print on page two is correct.

The pages have a good quality feel to them, not something you would expect from a scam.

 

Just so weird that the telephone number that they ask you to call is not only on spam lists but also not showing on HSBC's own Phonebook list in their help section.

 

I will be phoning HSBC tomorrow and asking them directly.

 

Stigman

 

HSBC Cheques CAG.pdf

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Like @Stigman the cheque is the same but letter is not quite the same , I have attached the first page ,there is also a Q& A section.
to add to my previous comments , i have come across the HFC entry in the old Credit report , and that account number doesnt match the number ststed on the letter either , so i dont know what this account is at all !! no other dealings with HSBC in over 12 years ,in the mean time the HFC account was never over due in fact i have paid it off in 8 months with out anything being missed!!

 

 

hsbc refund letter.pdf

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if these payments are anything to do with any HFC account of any type in any of their many names.., beneficial finance, hamilton, marbles, endeavour..  you can bet your bottom dollar you can add atleast 1 zero to the end of the sum they are offering ...customers were always ripped off..

 

try and use PDF please, images to screen force people on limited bandwidth to wait several minutes for pages to appear that they could otherwise choose not to view..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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done it for you.

 

whilst you are both on the same thread...

WERE these HFC accounts?

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx. I cant say because the account number mentioned match neither my HFC nor my HSBC account so in my case i dont know what its about at all!!,
as i said HFC didnt fall into arreas ,but HSBC  CC did and was defaulted in mid 2009.  i only learned about HFC & JL accounts from the MSE article i linked to from 2019.
 

Edited by listless
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credit card would be 16 digits

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DX . They have only mentioned the last 4 digits it doesn't match any account .Infact any  of the four blocks of numbers at all, don't have the full HFC account number,but the last 4 doesn't match.

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