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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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    • We have finally managed to obtain the transcript of this case.

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Mark Vs HSBC For £3626


banksripyouoff
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that's why i say do it for a good few lines to see the pattern - sometimes it adds some - sometimes not, but at the end you get a total. sounds like you are doing it correctly.

 

and the 8% interest is added at claim stage only

 

the daily interest is on the charges only (o/d interest, yes as it is part of the total you are reclaiming - 8% no, else you'd be getting daily on top of the 8% - that's a no-no) so charges only x 0.00022= daily rate.

hope you were able to salvage the head!

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Thanks for that, will continue with it.

7 days to go before LBA

Head salvaged but started to rain now so wont last long, good job i took photo before which is now his desktop background (desktop backgroung at 7! maybe i should ask him to do the s/s for me), very happy boy.

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Cheers Lattie,

another day down, no reply again. I find it very funny considering the amount of times they have phoned and written to me in the past, desperate to get in touch with me.

Just noticed that today they have recalled my D/D for the mortgage as it would have put me £38 over my O/D and charged me £25 for the privilege.

How kind of them, put charge straight on my S/S.

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Hi All

14 Days up tommorrow, LBA all ready to send. would anyone be so kind as to have a look at it to check for me, especially the 2/3 to last paragraphs. Does it sound right?

 

 

My addy

 

their addy

 

 

17/02/07

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBERS: xxxxxx, xxxxxxx

 

 

I am very disappointed that you have failed to respond to my letter of the 2ND Feb 2007

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 £2,232 plus £111.15 in overdraft interest and £1,838 in charges plus and £23.30 in overdraft interest respectively, which you have charged me. Total £4204.45.

I am enclosing a revised schedule of the charges which I am claiming up to 15th Feb 2007. I have sent you a schedule in my original letter of the 2nd Feb 07

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.

Yours faithfully,

banksripyouoff

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just to clarify it a tad - i'd put " on acct. no. xxxxxxx i calculate xxxx+xxx, etc , total: xxxxxx and on acct. no xxxxxx i calculate xxxxx+xxx, etc. , total:

i am reclaiming in total: 4204.45 on two accounts.

or similar - just to make it a bit clearer - separate but together on the claims.

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Hi All

Well I sent the LBA first thing monday morning (19th feb) recorded delivery, with revised spreadsheets.

This morning got a letter from our old friend Colin in response to my prelim letter, asking for a full breakdown of the charges I am claiming. Have I done something wrong? as I did include s/s's with full breakdowns of date, amount and description of cost with the prelim letter.

Anyway LBA has been recieved so I guess I will just sit tight for a week then start looking at the MCOL (already registered)

Mark

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mark,

answered in a reply to your pm. can you take the partic. off - the guys upstairs ask us not to post them else nobody needs to log-in. thanks.

 

i've advised doing the N1 because of the detail involved in claiming for 2 accounts.

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