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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Nettyg v Hsbc ***WON***


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actually lattie... i've decided to stop eating altogether AND JUST CARRY ON DRINKING lol...

 

It's Chriiiiii ssssss ttttt mmmaaaaaaassssssss hahaha xx

If i've been helpful in any way....then tip my scales over there!

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have to share this with you all too... the bank phoned me up today (saturday 14.00 hours) and asked if it was me and to divulge my personal details.. SO...

 

i said ' how is it that you people can contact me when you have something important to discuss' but i can't contact my branch when i need to!!!! I told them to get lost and phone me back during banking hours:mad:

 

Now i'm just hoping that they weren't phoning me to tell me that 'it's okay netty, we agree with everything you accuse us of and here you are... nearly £6k lol..... then i woke up. The cheek of it. lol lol lol

If i've been helpful in any way....then tip my scales over there!

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:D Considering they say not to give your personal banking details out, they say that on their website, you did right.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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thing is lattie and orfoster... i know it WAS the bank lol...

 

just wanted to feel powerful for the afternoon and tell them to get lost.

 

how did i know it was them???? well the very fact i could'nt understand a word the woman was saying and she repeated everything (probably from a prompt card)!! when i told her to get lost and phone during bank hours - she just repeated herself all over again lol

 

thing was... i didn't want to hear it lol xx

If i've been helpful in any way....then tip my scales over there!

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just one thing completely blowing my mind!!! i have read somewhere that the schedule or is it AQ only contains 24 lines (NOOOOOO):confused: i have 283 pages of statements with charges on 99% of them HOW ON EARTH am i going to condense that lot into 24 lines???????????

 

i'm shaking now!!!

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think you are getting ahead of yourself netty - you only sent the lba yesterday - in 14 days you will be filing your claim. you might be thinking of the small space provided for the particulars of the claim on the mcol.

it's generally not a problem. there is a template in the library to use - also, i'll send you mine by pm if you like. the particulars are very general, you'll see when i send you mine. but now is the time to go ahead and register on mcol, work your way through the address (use canada sq. found on the bottom of all those 200 statements), work up to the particulars - once you've registered with them you can pop in and out at will and just work on it. when the 14 days have passed and you have your partics the way you want them - you can answer the last couple of questions, submit and pay and it's away - very easy. so register now and poke around having a look-see to get familiar with it. look at the template and i will send you mine (can't put it here as we've been asked not to - then people don't have to join to see the info). so, just take the weekend off and then get cracking on getting the mcol polished up and ready to go in 14 days. okie-dokie?

 

here's the link:: 5. Money Claim On-Line (MCOL) Particulars of Claim

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tumtitumtitum..... the waiting game!!

1th January they have to respond then the finger goes on the button at MCOL lol.

They keep trying to talk to me on the phone but i have the kids well trained now and they know to say i'm out.

Just thought i'd tell you this cos i haven't posted on my thread for ages it seems.

Netty

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goodluck netty,.. hope all goes well.

[FONT=Comic Sans MS][SIZE=1][COLOR=purple]S.A.R. sent 30 October-reply received 10 november[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]Prelim letter sent 28 november- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]LBA sent 13 december- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]MCOL filed 30 december- issued 02/01/07[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]loveletter from colin received 02/01/07-saying will get in touch on feb 9[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]acknowledged claim on 4 jan- has until 1 feb to defend.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]defence entered 31 jan 2007[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]offer received 1-2-2007... still waiting for the moolah though:cool: ...[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]and moolah arrives 1-march 2007!!! Praise the Lord!!!![/COLOR][/SIZE][/FONT]

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netty, if you want to see which moderators are on-line at the moment - when you are first on the forum site, before you go to hsbc, scroll to the very bottom of the page and find current users - it tells you who is on-line at the moment - look for a name in green, they are moderators, just pick one and send them a pm.

site helpers are in pink and the really, really big guys are in red.

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i feel so proud of myself...!!!a friend of mine was shattered that the bank had charged her 38 squid for a payment that should have been taken out next month. she'd never been overdrawn before!! i told her to get on the phone to both companies and firstly ball out the first one for taking the payment a month early and demand a refund and then the bank for charging. she asked them to send a breakdown of the charge and after a very irate customer services 'lady' had told her she had no chance, a more senior person at the bank told her that they would pay back the charge as a good will gesture. so... now she has been paid by both the bank and the company and she tells me it's only because she was brave enough to challenge the charge on my advice.

well done me lol ;)

If i've been helpful in any way....then tip my scales over there!

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Fast track is nothing to be feared. Yes, you are liable for up to £750 costs, but only if you lose and to do that the bank will have to appear in court. The real advantage is there is Standard Disclosure, which would force the bank to reveal a breakdown of their true costs, something they have consistently refused to do.

 

Claims over £5000 have court fees of £250 +£100allocation fee At Allocation you could still request that the claim be in the Small Claims track.

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thanks michael, so to your knowledge the bank has never taken anybody on in court yet?? i sooo hope i'm not the first!!

 

i am aware of the costs being £250 cos i had quite a shock when filling in the forms on the MCOL so that i'll be ready to press the button. but if i'm going to get it back anyway i'm not so bothered (i lied.. i am bothered cos i aint got the 250 squid yet lol)

If i've been helpful in any way....then tip my scales over there!

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so... me and pearl (my staffordshire bull terrier) have been anxiously waiting by the letterbox to no avail.... i don't know who's more disappointed!!!

no nice letters, no nasty letters, diddly squat and therefore tomorrow is the big day for me to press the submit button on MCOL.

i can kiss another £250 goodbye tomorrow after the postman has been (or not) for my court costs.. in the hope that i am going to get it all back!!

If i've been helpful in any way....then tip my scales over there!

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i so hope so lattie...i've gotta pay me mate back the 250 squid lol... she asked me if this was a 'cert' and i said yeeeeeeeeeeahh course haha

 

no.. no.. i'm really confident honest.

 

thanks for the re-re-re assurance lattie xx

If i've been helpful in any way....then tip my scales over there!

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