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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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johnk81 vs HSBC


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john

on your breakdown you need to be writing in exactly what the charge is i.e. unpaid item, charge card misuse etc, the amount and the date.

if you use the england-simple-exel s/s it works it all out. you cut off the last column which adds the interest on your prelim and lba letters. it's only when you file a claim in court you add the interest... ok

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

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ok all! my spread sheet is finished and im doing my letter now will be sent tomorrow so they will have 14 days to reply , im also chasing up 3 more items for charges but one at a time! il be on to get some help if it goes wrong after this and for advice i will need cheers john.

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  • 2 weeks later...
Yep this is a standard reply I had the same just stick to your timescales and get your MCOL ready to go. Good luck. My MCOL went in on 2/3/07 showing as acknowledged today.

 

 

i still need to send my letter before action when should i start preparing for mcol? whats the thread for the info on that process btw? i know roughly but i need to know what i will need

 

cheers john.

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  • 2 weeks later...
probably nothing or maybe if you are really lucky a glossy pamphlet.

 

my suggestion is to get the mcol ready to go for 14 days from now - log in - get it sorted then in 2 weeks you'll be ready to pay and submit.

 

im doing that monday as H.S.B.C have until tuesday to reply to my LBA so mcol will be prepped for the end of the month :)

 

il keep you all posted thanks for the particulars il get them ready today for mcol.

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Also my catchment period of 6 years has changed so ive lost a 27.50 charge for may 2001 and there has been 2 corrections overlooked so my total has dropped slightly will this affect my claim? or is it someting to amend at a later date? please help cheers john.

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i would absolutely change anything before you submit it - get it right - it saves misery later - as for the older charges, i'd leave them in - there is a history of them letting them go if you hold out for them (plus it gives you a little playing room if negotiations come into it), so add the overlooked ones, keep that older one and get the interest right - then file.

to amend once filed is £35 and usually not worth the hassle for one charge. much easier to do it now. as i said - added bonus is a little room to move with the figures later.

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good i havent filed mcol yet so its only colin langdale who knows of my oversight thus far its 58 pound and can i setup mcol all ready to go then pay end of the month? and now i know of this oversight should i send a revised schedule to colin? cheers john.

 

p.s lateralus legend cheers!

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wouldn't bother - once you file you may still get a late offer from col but it would be about 80% (pre interest and court fee), after you file the good offers come from dg. although not as quick as we'd like, usually.

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