Jump to content


  • Tweets

  • Posts

    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
    • I was with sse broadband until Jun 2023 at which point without notifying me they passed me to origin broadband who I was unaware is my supplier now -  My broadband at home kept working and I was under the impression that sse are taking direct debit payments from my bank account and everything is fine because the Internet has continued to work.  To my horror I have just noticed that origin broadband has been sending me PDF bills for £39 a month and the email heading has been showing as just no reply so I thought it was junk and never bother to check it.  I have now noticed a bill every month and now I owe them some £350. I did instruct origin to supply me Internet and therfore don't feel responsible for this debt.  What are my rights and is it a legal debt considered I did not sign any agreements with them - their first contact with me tho was very clever back in July 2023 trying to lure me into an agreement however because I just saw that email now I'm not sure what to do because I owe them 400 pounds nearly supposedly at 39 per month.  Our agreement with sse was for 26 per month but they shut shop and passed us to origin without asking our consent.    The following is what origin email said back in July before they stated sending invoice every month for payment.    We hope you're enjoying your reliable phone and broadband with us. We're just letting you know your phone and broadband package will end on 30 Jun 2023. Thankfully, good things don't need to come to an end - read on to decide what you want to do next.   Below you'll find the details of your current package and some other great options to compare it to.   What can I do - shall I just pay the debt and cancel it and move elsewhere or is there any way I can fight this as they are more or less enforced upon us with out permission by sse who most Likly sold our accounts to them.    Any help greatly appreciated 
    • whyisthis - Oh bless ya, it's so easily done.  Not worth losing sleep over; listen to the guys here, they know their stuff.  They won't take you to court, they'd get laughed out of it x
    • Monk - you are an experienced and respected member of this forum. Surely you realise how vitally important it is to respect court deadlines. There was no lack of knowledge.  You knew the deadline date.  You calculated it yourself in post 5.  It was written on the claimform.  Defence deadlines are written on probably a thousand threads on the forum. Sorry, but if you're up for a legal fight you also have to be up for organising yourself properly. As for now - 1.  pay it within 30 days and the CCJ disappears, or 2.  don't pay, nothing "legal" will happen, but you'll have a CCJ for six years.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

givememymoney V HSBC


givememymoney
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6041 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 265
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well Done Give Mate!!!!... If / when :D I get an offer I will tell them they haven't got enough money to stop me telling this site just how to do it think that will give me as much pleasure as actually getting my money.

 

Its nice to give it back to an institution that has been giving it to me for the last few years

 

pete

Link to post
Share on other sites

it just so makes up for the times you've been into the branch to 'talk through and see what we can come up with' til you feel sick!!.... doesn't it? - photocopy that statement when it shows up, and frame it!! yesssss!

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

Link to post
Share on other sites

I will and I have a couple of HSBC employees that I have spoken to over the last few months that said it was perfectly fair and HSBC would not pay up. I will send them a copy too!!!! :D

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

Give, most of the branch employees are just drones that are told what to think and do, they rely on their rule book and computers and no doubt go on courses and team building weekends to reinforce what they are told.

What HSBC actually produce at branch level is almost as funny as Little Britain, if you don’t fit into the HSBC's view of how you should live the answer is "The computer says no".

pete

Link to post
Share on other sites

My acceptance letter has been sent now to wait for the money. In my final draft of the letter I told them that the money was to be paid back by next Friday otherwise I would continue with court action. Lets see if that speeds things up or not.

 

Later I will start thinking about my second claim and I have lots of questions about that!!! I am gonna be a real pain in the arse for HSBC!!! ;)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

Right so now I am thinking about my second claim and have some questions:

 

  1. Has anyone got a SAR letter asking for all the information that a bank holds including details of letters sent, notes of telephone conversations etc?
  2. Is it possible to do a SAR on DG as I am interested to know what information they hold on me?
  3. Has anyone had any success in getting a bank to pay for charges that were incured with another financial institutions as a result of the charges applied to their accounts resulting in a direct debit being returned?
  4. How do I find out what rate contractural interest I should apply to a claim?

I think that will do for now!! :)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

Gawd Give you have been thinking lol

1. Not a clue I haven’t done an SAR, I hoard paper here

2. Not a clue

3. Nice thought and I will be interested to see people’s reactions/ idea's on this.

4. This is one of my problems with CI claims; I think most people use the current rate in their claims which is obviously technically wrong as CI varies as the bank follows the Bank of England’s base rate. I think you will have to do some research especially as your next claim is part over the 6 year limit with a 6 year hole in the middle.

pete

  • Haha 1
Link to post
Share on other sites

i know nothing of above matters - but in watching threads i've seen a good few where people were asking con.rates of interest - so, would say that little search on the blue line does take you to threads - which when you scan lead you to other threads - bit of a sherlock holmes thing - but just put contractual interest in the blue line search and dig in. a few weeks ago everybody seemed happy with 15.9 but i don't know if that's an average, the current one or what it is..... you can always ask bong nicely on her big thread - she is a veritable fountain of information. (so much so - she's had to close off her pm to the general forum users - that's why i say ask her on her thread)

Link to post
Share on other sites

Looks like the most recent part of claim 2 will be about £600. Need to get statements for the pre 6 year bit. Anyone got some ideas on my questions from a previous post? :eek:

 

 

  1. Has anyone got a SAR letter asking for all the information that a bank holds including details of letters sent, notes of telephone conversations etc?
  2. Is it possible to do a SAR on DG as I am interested to know what information they hold on me?
  3. Has anyone had any success in getting a bank to pay for charges that were incured with another financial institutions as a result of the charges applied to their accounts resulting in a direct debit being returned?

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

This is really a post to myself so I can find information quickly that I have used before but it maybe useful to others:

 

Guide to reclaiming charges http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

Data Protection Act - Subject Access Request (SAR) http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html [40 days to comply]

 

Data Protection Act - Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

What charges can I claim for? http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=6

 

Prelim Letter Template http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html [14 days to comply]

 

Letter Before Action http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html [14 days to comply]

 

Making a court claim http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=10

 

Getting MCOL right http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Allocation Questionaire Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

New AQ Strategy http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

Maybe not AQ!! http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

 

When you have filed your AQ http://www.consumeractiongroup.co.uk/forum/hsbc-bank/71343-when-you-have-filed.html

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Worried about OFT report read this http://www.consumeractiongroup.co.uk/forum/general/70359-about-oft-impending-report.html

 

Complete site A to Z http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

 

Charges spreadsheet http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

VAMPIRESS'S CHAMBER

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Useful Threads:

 

Bong http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

Nettyg http://www.consumeractiongroup.co.uk/forum/hsbc-bank/52235-nettyg-hsbc.html

Mindzai http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/26172-mindzai-lucid-lloyds-tsb.html?

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

did you like it? (the post to yourself)

 

 

can i be head cheerleader on this one - no brains - just the looks!

 

here's my first cheer:

 

RAH-RAH-REE

KICK-EM-IN THE KNEE

RAH-RAH-RAS

KICK-EM-IN THE OTHER KNEE

Link to post
Share on other sites

ok pinky - pompoms at the ready!!

 

1-2-3-4 look out hsbc we're back for more

5-6-7-8 letters off and don't be late

9-10.....we've beaten you once and will again!!

 

lol

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

Link to post
Share on other sites

Yanno, there may be another reason why no one has ever made it to a court room, I think maybe the Judges have got together and told the banks NO WAY are they going to have the court waiting room full of cheerleaders and Star Wars characters, oh and Scarlet O'Hara

pete

Link to post
Share on other sites

Errr... YES !!!!! think you would be disappointed with a County Court, its just a little office and the Judge is in normal clothes, they don’t have to wear their official garb, its really more like a head masters office lol

pete

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...