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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Maverik vs HSBC - **WON**


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well i used the online statement check instead of waiting for loads of paper to maybe turn up, and i knew i had paid quite a bit over the last 6 years but omg

 

£4115 :o

 

now the problem i have is that its quite a large sum of money and wouldnt that mean that the bank would put in more of an effort to get it back? as opposed to say £500 they would just write off and not think about it, what do you guys think, should i ask for the lot?

HSBC- £4995, settled payment in full

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The lot.

You don't ask, you tell!

Up to you of course but I know what I'd do.

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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ok ive read as much as i think is possible (no doubt i've missed something), and ive got all the dates of individual charges logged down, i've calculated my interest aswell, i know i dont need this yet but its quite an eye opener (£731)

 

so i'll be sending my preliminary approach for payment on monday by recorded delivery to my local branch for the full £4115

 

will let you know how it all goes

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actually just had another question, im going to address my letter as follows

 

the branch manager

so and so bank

blah blah blah

 

 

do you think this will be ok as i cant find any specific information for who the branch manager is and i dont have time to go and see them in person

 

ta in advance :)

HSBC- £4995, settled payment in full

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oh and another thing ( i know too many questions :) )

 

just in the hope that i do eventually get my money back, i was curious as to what it costs this site to stay open for a month, to get an idea of how much to donate, whilst i do understand that its down to the individual, i feel that without this site i wouldnt even be aware that i could get any money back so i would owe you guys big time

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Using seperate thread for any random questions, to keep this nice and clear as a diary so:

 

22/05/06 preliminary request for payment sent to alan pretty

HSBC- £4995, settled payment in full

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Guest Lueeze

tut tut, stick to the same thread, as the 1st post is part of your diary too!

 

Lou x

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Best place to send it is the local branch.

As long as the amount you are claiming is

Donations are voluntary, but you could consider a percentage of your claim (and a nice percentage is 5%, which still leaves you with most of your refund...)

 

Good luck, and don't enjoy the fight too much...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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posted preliminary approach letter today recorded delivery

 

14 days are ticking...

HSBC- £4995, settled payment in full

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Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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cheers spiceskull, hope it goes just like everyone elses,

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ta very much, i thought it may be better to try and bypass the levels of red tape, so i sent it straight to the ever nice mr pretty, well i'll soon find out

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Request for repayment of charges

 

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

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. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

 

 

spiceskull, this is taken from the preliminary i sent, now if the bank acknowledges

receipt of this letter, and still does not provide proof of costs, then sureley they are admitting that they cannot,

HSBC- £4995, settled payment in full

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I merged this post into your own thread - comments in other people's threads are fine, but this query is specific to your own...sorry and all that :mad:

 

Regarding the question - all that you can expect is that they wiil say the charges are fair etc, and that they will defend them in court. They are not admitting anything, and only a judge can compel them to reveal costs...and we know that this won't happen...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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cheers spice, i know i should of put it in my thread, its just it was also relevant to the other thread aswell, thanks for answer anyway :-)

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  • 2 weeks later...

ok its been 2 weeks since my prelim went out, so nothing from the bank whatsoever, are they even responding anymore?, anyway LBA goes out tomorrow recorded delivery

 

on a side note, got a little worried whilst watching trevor mcdonald program on itv, what if the banks do actually want to make a fight of it, which surely they must do at some stage, because if the forums activity is anything to go by theres going to be a lot more claims soon, anyhoo

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received the standard c**p from the ever present mr beaumont in leeds ,

 

blah blah, charges fair etc

 

doesnt really matter as i'd sent out my lba the day before it arrived, as i was sticking rigidly to my timetable, its not my fault the banks are too slow to react ;)

HSBC- £4995, settled payment in full

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Keep going...it's worth it in the end.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

ok, mcol filed in , details pm'd to bf

 

hmm its a bit different when its your own case , rather that giving out advice isnt it?, im actually a litttle unsure as to what to expect

 

-revisits faq's for 94th time :-D

 

HSBC- £4995, settled payment in full

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ok just checked my mcol and they have acknowledged the claim, little help here im not completely sure what the next sequence of events is going to be (looks at spiceskull)

 

:rolleyes:

HSBC- £4995, settled payment in full

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You will receive their acknowledgement in the post stating they intend to defend. You will also receive (probably on the same day) a letter from DG solicitors offering you the full amount as long as you don't tell anyone.

 

Cross out the confidentiality bit, send it back and you'll get your money.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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received confirmation from the courts today that the bank does indeed intend to defend the entire claim, pff , bring it on

HSBC- £4995, settled payment in full

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Unsure about what to claim, or confused about overdraft interest? Charges explanation

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