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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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####### Me...v...hsbc ######


Ian Appleby
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Hi everyone,well what a great site this is i'm glad i found it.Well i'm going to start back from friday 1 December.I got up around 7 am picked up my post (more charges),and was getting ready to start my day (I am a self employed grounds man)trying to run a business with no overdraft.I watched a peice on gmtv on how you can claim back bank charges,after a quik search on the net,i found this site.I have been reading the threads and info,been finding hard to take it all in (so much to think about).I am going to send my prelimenery letter tomorrow.I have 2 accounts with HSBC,business and personal,i found it a bit hard to work out the difference between the Charges and Total charges on my statement.I phoned HSBC and was told that all the charges applied were in the (Total Charges),NOT TRUE.Charges are reversals of dd so etc,and Total Charges are for going over your overdraft limit.Maybe HSBC are willing to say anything these days(they must be worried )http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html.I feel like one of the late one's to take this action and have heard it is getting a bit harder.I am also a bit concerned about having a managed loan on both accounts,but if i get the money back it will almost cover it.I have worked out on my personal account i am owed Total charges £896.56. and Charges £1.436.00 making a total of £2332.56.My business account Total charges £444.93 and Charges £486.00 with a total of £930.93.This brings my complete claim to £3.263.49.I understand i need to send different letters for business and personal account.So this is where i'm starting and will be posting every step of the way (wish me luck) and thank you CAG for all the template letters would of been lost without them.HSBC here i come grrrrrr!.

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Hi Ian,

 

Just one quick point, it would be best to treat your claims seperately, not add them together (in case you were thinking that way)

 

Looks like your on the right road, read as much in here as you can, and ask anything your unsure of, and your soon be advising others that are then following your trail.

 

Remember to carefully log everything you write and do, and keep your thread updated as a diary and so that others can follow and help as req'd

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Steve,thanks for the kind advice.I have managed to get my statements online,i was going to highlight the charges,and send with prelim letter.Would that do as my schedule of charges,and do i still need to apply via data protection act for the charges?,or will the statements that i have do?.I will send one letter per account,i hope that is correct.

Regards Ian

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Well i've been checking out the spreadsheet,but because HSBC also use the term Total charges (exceeding od limit).I am not sure what to put in the description of spreadsheet,should i put just total charges or exceeding overdraft limit?.A lot of people dont know and have'nt been able to give much advice on this term (total charges).I could easily of gone wrong and just added up the total charges,just like some nice lady told me to do from HSBC.If your about to work out your charges and are new like me,(charges) and (total charges) are two separate charges.I think it needs to be made more clear to new users,HSBC users for sure.Be grateful for a bit of advice on the spreadsheet as to regards this matter.

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Hi, Ian, and welcome. You're already two steps down the road to getting your money back!

Not sure why I'm prowling through the HSBC forum but I am, so there you are.

Anyway.

Are your charges not itemised on your statements? If they are, then put them on your spreadsheets as described. If not then I have to defer to someone who's actually had a statement from HSBC. I left them while they were still the Midland.....

It is important to itemise them or the solicitors may come back and say something along the lines of 'we can't defend ourselves against something we can't define'.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi westy,I've been getting statements online.If i click on (charges) it's got the item e.g (reversal of so/dd) etc,but if i click on (total charges) the item is called total charges with no more info.From reading the statement and charges link,i have found out that (total charges) are for going over your overdraft limit.On my spreadsheet under description of charge i have been putting (overdraft charge) not just (total charges).Someone please give a bit of advice on this one.My oppinion is that the data (i am) supplied with from them,should be good enough for (themselves).

Regards all, Ian

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(Well).

The pain of it is you will have to itemise everything on the spreadsheets you submit with your claim - individual descriptions.

What you can't claim for is regular premium account charge, if you have one. I had an Advantage Gold with NatWest, which cost me £9, then £10 and recently £12 per month. That is contracted and isn't reclaimable.

What eased the irritation with me was I was able to transfer my more recent statements to Excel, then it was quite easy to go through everything. All I had to do was separate out multiple charges - three, four or five in one day - into single items and their description.

Not sure I entirely understand "(total charges) are for going over your overdraft limit": I though the charges would arise BECAUSE you'd exceeded your limit.

The data you've been supplied with by them should be good enough for them but it may not be good enough in Court or on the way, through the process of claiming.

I've just turned into a fortune-teller: I see...I see...I see Ian painstakingly listing all the individual items and theiri descriptions onto a spreadsheet.But it will then look great, very clear and they won't be able to claim they don't understand what you're claiming for, you haven't listed everything properly, or any of the other nonsense.

Did you have anything else planned?;)

Come back if my suggestions are inadequate.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi Westy,i think i need to speak to someone that has claimed,who are with HSBC.I need to find out how they itemised total charges from the statement.I had a look at the link at top of page about total charges,and it says that it is for going over my overdraft limit,which what i ment in my last post sorry.Maybe i should get my statements via data protection act, will i get more info.Maybe it doesnt itemise total charges online.Stuck at the mo,busy in work aswell,and cant put the time that i need to into this.(getting frustrated)~)

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AOK. If I can help once you're beyond the mysteries of HSBC's statements, let me know.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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