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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Wing vs HSBC ***WON***


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Take the date on your prelim letter as the date of your letter and not the date that they received it

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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you may very well get one of their delaying tactics letter, fob off letter, sod off letter - any of those, ignore and carry on with your claim. you might even get shiny leaflets all about the ombudsman - take no notice of those either - you want a full offer or full steam ahead!!

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

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If you used the letter from this site mattwing, then you would have put that you will not contact them any further. You could always give them a ring and see what they are doing. If you do not get a satisfactory reply or even offer. File MCOL.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Well i got a response from them. Unexpected but here it is

 

"Thank You for your letter dated 13th March 2007 concerning bank charges.

 

Unfortunately, both your signature and the address quoted on your letter differ from those in our records.

 

Before we up-date our recordsand investigate the issues you have raised, we will need confirmation that your signature is valid.

 

In order for us to do this, please call into any branch. taking this letter and suitable identification mwith you as soon as possible."

 

I know the records they have are correct. I've received numerous statements to my current address, also my signature has never been an issue before, is this just a stalling letter?

 

What should I do?

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Well that’s a new one, looks like someone is trying to be clever and stall you but I think you should just call in at your branch to sort it out, you cant be too careful with security issues.

As far as your claim goes just stick to your timetable and issue your claim when the LBA 14 days is up.

pete

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There’s not a lot they can try, if the address thing was a stunt it has to be a once in a blue moon thing they wouldn’t dare do that too often with a site like this monitoring what they are doing.

If you do get a letter it will be either here’s a shiny leaflet we’re right go write to the ombudsman about us or we are investigating and will let your grandchildren know what we found.

When your 14 days are up submit your claim.

pete

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It isn't essential that you claim for it some people do and some people don't. To work out what to claim then you need to be using the advanced spreadsheet and this will tell you how much to claim. :)

Guide to claiming back your bank charges

 

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

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if you mean any other products - mortgage, loans, etc. then they don't but if you mean overdraft - well, you owe it - they may want it.

 

as for overdraft interest, whatever you do - don't just plonk the interest debits onto the list of charges as that is totally incorrect. if you want to check out how much of the o/d interest - you need to do the advanced s/s. here's a simplified help for figuring it: honeygie v HSBC *****WON***** post no.26. it will help you with the advanced and you will see that, depending on your balance at the time of the interest debit - the s/s will pick up some, none or all of the interest debit.

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Got a letter this morning offering me £2037.00. My total claim (excluding interest) was for £2457.00, apparantly some of my charges (£135.50) had been refunded already. So £2322 would be the amount I'm owed. Seems to me like I should accept, my MCOL was due to be filed tomorrow, so far all i've done is send 2 letters, (prelim & LBA)

 

Any thoughts?

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has anyone else had such a pain free easy claim settled? i expected a long drawn out process involving the courts and the like, but it took me two letters my Prelim and a L.B.A for them to offer a 90% settlement !!

 

Why would they settle so easily with me yet take others the full distance?

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has anyone else had such a pain free easy claim settled? i expected a long drawn out process involving the courts and the like, but it took me two letters my Prelim and a L.B.A for them to offer a 90% settlement !!

 

Why would they settle so easily with me yet take others the full distance?

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