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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Me V hsbc (£1700) - SETTLED IN FULL


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Hello All,

 

I have finally got it together to send off preliminary letter to Phil Beaumont at HSBC today to ask for the £1750 they have charged over last 6 years. I'm using the standard Preliminary Letter from the Library.

 

Many thanks to you administrators & moderators for the massive amount of work and time you have put into this site... look out for your Amazon vouchers when I get my refund ;o)

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Good luck with your claim- we will keep watching for updates.

 

By the way, the book token scheme has ended, but hopefully by the time you receive your money, we should have a DONATE button on the site...

..

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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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  • 2 weeks later...

Hiya,

I need a bit of advice if anyone can help?

The 14 days since my preliminary letter is up tomorrow - and I haven't even had a standard response back. I'm a bit worried because I didn't send the letter recorded delivery so have no way of knowing whether they got it. And I don't want to phone them 'cos banks give me the fear!! :eek:

 

When I send the LBA (which I will send recorded delivery!) should I include a copy of the first letter I sent? Also, should I include a copy of the spreadsheet showing how the 8% interest is worked out?

 

cheers

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Hi Sopsps

 

As I understand it (and I am still very much a novice in all this so someone tell me if I'm wrong) you don't add the 8% on until you file your claim with CC via Moneyclaim.

 

As for not having a response to your preliminary letter, I would have thought that without proof that they received it you probably can't progress to LBA. To potentially save yourself the time and hassle of re-sending your prelim it might be worth biting the bullet and phoning them.....just a thought, obviously its up to you.

 

Good luck

Lizzie

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Hi Lizzie!

I thought that the preliminary letter was just being polite and wasn't essential? Because the LBA acts as formal notice that I intend to claim the money back through court... but it looks like I might have the wrong end of the stick.

Maybe I sohould just bite the bullet and call them to see.!! Yikes!!

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No, no, no.

 

Does the bank send all letters to you recorded delivery? Do they listen or care if you say you haven't received a letter?

 

Forget the prelim, you posted it, as far as you are concerned they received it. Send the LBA recorded now, don't send them any spreadsheet. Just use the standard template from the library adjusted to suit.

 

In 14 days start moneyclaim!

 

I sent my LBA off 12 days ago btw and haven't heard a thing yet, never mind, i'm sure they will reply when they receive my claim through the court!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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thanks norvernrob!

you have a fair point which I was just mulling myself... they never use recorded delivery whe contacting us!

I will reference my preliminary letter dd 3rs May in the LBA to jog their memories.

Did you send your letter to Phil Beaumont?

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Hi, yes I sent it to Phil Beaumont. I sent my prelim letter to my branch, to which I got a DPA request form in reply! All the prelim and LBA are for is to prove to the court you have been more than reasonable in giving them time to pay. Expect it to go all the way to moneyclaim, any settlement before it does is a bonus!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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I stand corrected!

 

Thanks Novernrob for clarifying the exect position with the prelim and the LBA. I guess I'm still in the habit of allowing the bank to be in the driving seat - time for them to move over!

Lizzie

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That's the only way, they will p*ss you about from here to eternity otherwise!

 

Good Luck (not that you'll need it!)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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LBA being sent today (recorded delivery!) Wish me luck :rolleyes:

 

Dear Mr Beaumont,

 

ACCOUNT NUMBER: XXXXXXXX

 

Further to my letter to you dated 3rd May 2006 (copy enclosed), I am writing to ask that you refund to me the charges which you have levied from my account over the last 6 years.

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken XXXX

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

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You'll probably get a standard reply, so then after the 14 days just issue your claim. You've not mentioned how much the claim is for, but if it's for less than a £1000 you may get a letter offering you a partial refund. If you do just write back saying thank you, but no thanks and then when the 14 days from your LBA start the claim. This is want I did. Waiting for the claim process to go through now.

 

Neil.

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OMG!!

I've just got back from work & found a letter from Alan Pretty waiting for me.... with an offer of £1450 for settlemt in full...

I want to hold out for the full amount though - but I'm not sure whether I should write to AP to request payment in full, or to just put the claim in through online claim thiingy. And if it's the latter, should I be waiting until next Weds when the 14 day from LBA expires?

Any help or advice would be great :rolleyes:

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i think the general concensus is that you say thanks very much but i want the rest aswell , or you can take this as the bank saying as far as they are concerned this is the end, hence you cannot do any more so you can initiate your claim straight away

 

mods confirm please?

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 2 weeks later...

Morning All!

Well, I contacted HSBC to decline their offer last week & their 14 days from LBA was up yesterday.

So, mcol filed this morning!

Does anyone know if I'm meant to record my claim no. somewhere? do I PM someone?? (sorry, can't remember who & it's not in the step-by-step!!)

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Morning!

 

Just having a read of your claim.

I'm posting my prelim letter today so I'm hoping to have my refund by the end of the month! Or is that wishful thinking!? They owe me just over £1000!

 

If you go to 'the bank action group' heading, the 2nd subject down is 'litigation in process'. From what I can see you need to PM the mods to have yours included in the list, and record your case number and other bits and bobs.

 

Hope this helps and good luck, I'll keep watching for your outcome!

 

Sarahab7 :)

HSBC, DPA sent 21/04/2006 (due before 31/05/2006)

Prelim sent 01/06/2006, exp 14/06/2006, 14 days to comply

Barclaycard, DPA sent 01/06/2006, 40 days to comply

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You can PM any of the moderators with your claim details to be added to the litigation in progress.

 

Also you must accept any offers they give you as long as they are not in full and final settlement or have conditions attatched ie: confidentiality .If they do then you accept the offer but reject the conditions .It must be made very clear that you are rejecting the conditions

  • Confused 1

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Thanks guys, have PM-ed bankfodder with details.... am a bit scared now though espec after reading that HSBC want to close fariba3's account following her successful claim against them! :o

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Thanks guys, have PM-ed bankfodder with details.... am a bit scared now though espec after reading that HSBC want to close fariba3's account following her successful claim against them! :o
I would suggest opening a parachute account ASAP. I have had a biggie and two small claims refunded - and now HSBC have given me until June 24th to 'make alternative financial arrangements'

 

They don't do this usually, but I am a bit of an awkward so and so, so I imagine they just want to get rid of me...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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  • 2 weeks later...

Here's an update - my MCOL has now been acknowledged but I haven't heard from the bank yet.

Thing is, I have just checked my statement from last month & notice that they have taken another £50, despite asking them to remove pending charges in the letter I sent declining their first offer.

I wonder where I stand with this, I didn't add this onto my MCOL because it wasn't showing on my account at when I submitted it.

any ideas??

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It would cost £35 to amend your existing claim, so just wait until it is resolved and then ask for any extra back at the end, or start over!!!

..

.

 

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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  • 2 weeks later...
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Thanks

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