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    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
    • Yeah only £10 so may as well just get it done. When it comes to liaising with the police and bargaining before it hopefully goes to court. How does that happen? Via email? Phone call etc
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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)

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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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