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    • 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.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
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maleo v HBSC ***WON***


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It's your claim and your decision Maleo, but I think I would carry on for the interest too. As long as you are happy with the settlement that's all that matters. Once you get your money I'll change the title of your thread and move it to the successes forum.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro. I'm happy with the money, as it's all I needed. Posted the acceptance letter this morning, and will let you know as soon as the chq lands on the doormat!

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Do!!! I'm convinced that it must have helped - I've not heard anyone so far who have received a full settlement (granted, no interest - but that was at the court's discretion anyway) before a claim is issued. Maybe CCing my letter saying sod off to the last charge to David whatsit helped, maybe it was the complaint to the FO about how useless they are, maybe it was the mention that I had complained to the data commissioner about their lack of attached notes to my records........ I'd go for the lot - only takes 10 mins, and might save some time for everyone. I just went for anything and anyone I could write to that might help, and one of them seems to have worked.

 

I really hope you get yours sorted soon. I'll keep reading your thread, but let me know how it goes!!! :-)

 

Dave

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Excellent news maleo. I think you've made a wise decision too.

 

I too think Ms Short's involvement had a little impact here :-)

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..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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I think it may have done - I sent her a thank you this morning! :)

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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hey maleo, i checked out that website you mentioned earlier - where you contacted ms short. only trouble is my councillor is a big drip as i'm in a different constituency. i'll give it a go tho all the same.. you never know, it might change my opinion lol;)

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

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lol - I hope it goes well! I got a letter from her this morning with a copy attached from the HSBC - they'd replied to her saying they would sort it to "our mutual satisfaction" - go Clare Short! :)

 

Who is your MP, netty?

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Think it's Gisela - just had a look on her website - she's Edgbaston, Harbourne, Quinton and Bartley Green.

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Hey Maleo congratulations on your victory! Just about to start claiming back my bank charges and read how you had conatced your MP. Thinking of writing to mine and cc her on the prelim i send to the bank any thougts? Which address did you use for the HSBC David Lewis @ Canada Sq. London?

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Hi there,

 

I asked my MP to write to both David Lewis and to Colin Langdale, who was the guy dealing with my issues... However, if you're just starting off, I'd get your prelim off first, then speak to your MP about getting involved. If they're supportive, you could get them to send a letter to whoever deals with your claim at HSBC's end and to David Lewis at the same time you send your LBA.

 

Don't know if this works, or if it's what made a difference, but it's worth a shot!!

 

Good luck!

 

Dave

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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I got the last word, but they got the last dig... The cheque only went into the post this morning!!

 

Ah well, I've waited this long, 2 days won't matter too much!

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Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Excellent thread, some good methods there - i think i may try something out of your book ages have passed since i started my quest for righteousness.....................

 

WELL DONE !

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I have no debt , but i cant get any credit : (

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JUST GOT THE CHEQUE! :)

 

Mind you, the letter accompanying it said that they'd initially tried to put it into one of the now defunct bank accounts.... I wonder if I shall get two cheques?

 

What would be the appropriate procedure if this was the case? Take it, invest it, and give them a £ a month back, whilst accruing 15% through a bond account with the Lloyds? It would only be like they've done to me... tee hee!

 

Anyway, I'm now going to open a lunchtime bottle of champers to celebrate, after I've dropped the cheque off at the bank!

 

Good cheer to all, have a fab weekend!

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Well done Maleo!

 

You look familiar......

 

I don't know about familiar but not old enough to have bank charges. Are you over 18 Maleo?;)

 

Anyway congratulations, and don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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LOL

 

Thanks so much for asking, Caro - I'm 23 :D

 

Yay - everyone says that!!!!!! Whereabouts in Bham are you from?

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Not Birmingham, Leamington Spa in Warwickshire. I just popped to the NEC for some concert tickets for my daughter and its about 20 minutes away if that gives you a clue how far away I am.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yeah, I've been to Leamington a few times - some student friends of mine live there, lol :)

Dave

____________________________________________________

HSBC: Settled - Offered full refund 2 days before MCOL - £2934.50

(Thread here)

Lloyds TSB: Settled - Offered full refund 2 weeks before MCOL - £650 (Thread here)

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Robbins Well or Sugar?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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