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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BAYMANvsHSBC


bayman292002
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I have finally recieved a reply to my pre-legal letter although it was outside of the 7 day notice period!. The banks reply states that "The bank does not agree with your contention that the charges applied to your account constitute a penalty and are therefore irrecoverable", the letter also goes on to state that the bank operated within its terms and conditions, a copy of which would have been supplied when i opened the account. Am i right in thinking that this is just the banks automatic response?, should i now just apply to the court and apply the intrest?, the claim is for £14k+, should i use a solicitor and if so would anybody be able to reccomend anyone that they have used?, many thanks in advance

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It certainly does look like you've received a fairly standard response. Most banks seem to be insisting that they are quite within their right to charge these "fees" as they were quoted in T&C's when the account was opened. As we all know, you can not contract yourself out of the law so I would keep pushing.

You mentioned a pre-legal letter. By this do you mean a letter / notice before action? If you haven't sent one, send one and if you have already sent one, because they have not replied positively to you I would personally stick to your guns and commence legal proceedings.

With the amount of help available on this site I would hesitate before engaging a solicitor but, at the same time, I can understand your concerns with it being £14k!!! Can I suggest you look into defending the case yourself using the help available on the site. There is a court "buddy" system in place to help people in your position. Always bear in mind that there is a chance that the bank will turn up to court so you have to be ready to defend but you aren't the first person in this situation and I know you won't be the last so do some digging around on the site and see where it takes you. You might be pleasantly surprised...

Good luck and feel free to post any more queries.

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remember that if you were to lose [very very unlikely] the court could award costs to hsbc and for that large an amount they might try and defend , it might be worth splitting the claim into chunks therefore keeping ot below 5000 , in these case no claim for costs can be made for solicitors and barristers, you will receive excellent advice here but you could lose on a technicality so 3 or 4 claims might be the way forward perhaps one claim per year ?

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Neil, whilst you are correct to point out that risk, do you not think it is unlikely that a judge would make an individual pay the charges incurred by a multi-national plc defending an action?

Maybe one of the legal eagles on the site could jump in here....

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Firstly, thanks and advice. I can see the benefits of splitting the claim over a period of time but i have a £22.5k personal guarentee secured on my house, inncurred by securing the o/d and a company loan which is about to be handed to DG solicitors for collection so time is of the essence. What about if i was to split the claim in to the four years that the charges were incurred and then make the four seperate claims at the same time?. Also the loan that i have secured, £18k, was to pay off the overdraft so i am assuming that i may have a claim against hsbc for the loan also??, regards

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The loan was taken out 2 years ago for £20k to pay off our o/draft and another smaller loan that we had, i assume that i can have a go at climing some of the loan back as the o/d was partly made up of charges on the account?

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You would be able to claim the interest paid [at THERE rate] on the amount of the loan which you took out to pay off the charges and interest levied on the original account, between when they were actually charged and the point at which you took out the loan.

You could not claim the capital part of the loan as that would be covered in your main claim.

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Right, the decision has been made, i am going the route of mcol and will be filing it tomorrow, the total with interest to date is...........£15252.54:eek: . Would there be a template of the cover letter to send to hsbc deatailing my intentions to take legal action and to enclose a copy of the new schedule including the intrest??, regards, bayman

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