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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Welshbaba 'v's HSBC


welshbaba
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I sent off letter asking for my charges back and included the caculation sheet (this was from Martin Lewis site). After reading lots on this site, I looked at the s/sheets and entered some charges and the totals are different, will it matter if I carry on with the rest of it on this site? Going through loads of posts - but still getting "brain-freeze"!!Thanks

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You can change whatever you like until you file your claim it wont even change the timetable that you are working to, just write to HSBC and enclose your revised figures. After you have filed your claim with the court any alterations will cost your £35.00 that isn’t recoverable (your mistake).

If you take your time with the CAG spreadsheet it gives you everything you need to pursue your claim to settlement.

I have not seen the suggested schedules of charges from other sites but from the threads I have read they are not as detailed as the CAG spreadsheet.

If HSBC or their solicitors are going to make an offer or defend the claim they will need to know exactly what you are claiming for and if you don’t give them a detailed breakdown of figures it is possible for them to ask for your claim to be struck out due to lack of detail, don’t give them this opportunity.

pete

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Hi welshbaba, I have just had a quick look at the Martin Lewis website and it looks like the calculation part you used was calculating the interest @ 8% APR. The amount will differ slightly if the calculations are done on different days as it works out how many days have gone by since you were charged.

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A prudent question is one-half of wisdom.

 

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Today like lots of others before me I received the "response as soon as I have completed my investigations" letter, 2 days after I sent my LBA. Looking into the next stage, would I be right in starting with the MCOL now and taking my time over the next week and a bit to make sure I get it right?

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Register with money claim now and prepare your claim, just don't submit until 14 days from LBA. Take your time and make sure you save any changes you make. When you are ready double check that everything is correct, then press submit.

 

Any problems just ask.

 

Good luck

 

Jo

 

P.s If like me you don't have alot of money, remember to double check your claim coz if you get it wrong you will have to cancel it and wait approx 5 days for the money claim people to send you a cheque back.

[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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The usual letter from Colin about investigating sometime in the next ten years!!!

 

Here are a couple of links that will help with the court stage and MCOL

 

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

 

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

 

You need to ensure that you schedule of charges is perfect you should now be using the spreadsheets from this site that will help. Good Luck

 

:D

Guide to claiming back your bank charges

 

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

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Hi all,

Could someone please send me in the right direction for addresses, i've seen it, but now coz i'm looking for the list cant find it anywhere.

Would be most grateful

Sha

 

P.S the address I'm looking for is for the MCOL, so dunno if its Leeds or London

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It is in the "contact information" bit. Just above all the postings on this section.

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A prudent question is one-half of wisdom.

 

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Daily interst rate is total amount of charges multiplied by 0.00022

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A prudent question is one-half of wisdom.

 

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If that is the total amount of your charges that you are claiming then the daily rate of interest is £0.33 per day. (£1521.74 x 0.00022)

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

 

 

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that's not counting interest right, welshbaba?

 

also, i can't help wondering why you wanted mcol's address - that's very unusual. if you meant the address for the mcol that you are filling in - where it asks for the defendent's address that should be HSBC's Canada Sq address in post 9 above.

 

any questions you have are answered here in this step by step guide:

Getting MCOL Right

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Yes Lat that was incl interest.... have I made a boo-boo?? Thats the amount I got when I entered figures on s/sheet and then it gave me the int. figure. Then whenI was fillingin the partics of claim it asked about int. on a daily rate.

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well, my take on this is if you are asking for daily rate from the date of filing until it is resolved - the daily rate is based on the charges only, not including interest multiplied by 0.00022 = daily rate. if you include the interest - then you would be asking for interest on top of interest. so have you filed already? if so, let it go - dg will scale it down when they get around to offering - if you haven't filed - do it correctly.

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No, not filed it yet - should push the button Monday but with bank hols, will be Tues. just getting everything sorted and want to make sure its all as it should be. The form seemed to be more simple than I thought, making me doubt myself when doin that. U never know they might send me a nice easter pressie tho tomorrow or saturday...........lol - highly unlikely

Thanks again

(I expect i'll be back)

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Well nothin in the mail today ( no surprise there). After sitting here debating wot to do coz of the b/hol w/end I rang them (freefone number got through straight away). Really helpful (should I say that about them??) man -Steve Gardner said "my advice would be to carry on as you are, I can see that approaching the Courts is your next step and by the time we get to your request in around 8 weeks - your account will have been refunded".

Dont really know wot to make of that - didnt expect them to say it!!!!

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you will get a notice of issue through the post from the courts. A few days later a notice of acknowlegement.

 

Letter to court can go stright off.

 

Send your letter to DG once you get the notice of acknowlegement - the address will be on page 2.

 

would reccomend you send everything recorded.

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