Jump to content


  • Tweets

  • Posts

    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive 😊  
    • okay will do. I'll let you know if anything transpires but once again - many thanks
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Mellymum vs HSBC - ****WON!****


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6182 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 108
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hiya, its says the following:1. This case is to be listed for hearing on Monday 25 June 2007 at 10.00 am.2. It will be listed with all other oustanding claims for refund of bank charges etc.3. The parties shall file and serve witness statement with copies of all relevant documents annexed by 4.00 pm on 11th June 2007.4. The judge will use his case management powers to decide in each case whether to make any agreed order, give directions for the further conduct of the case, or to proceed there and then with the hearing.5. It is likely that any case seriously contested will be given directions and a later hearing date.6. It is probable that the Judge will deal with cases in batches where there is more than one case against one particular Defendent.7. If a party fails to attend the Judge may strike out the claim or defence as he seems fit and enter judgement accordingly.

Poole CC I presume?

 

The order is saying that it could be the final hearing, or alternatively if its seriously contested it will take the form of a directions hearing. You need to prepare for both and comply with the terms of the order - although its highly unlikely to get as far as court.

 

You need to file a witness statement by the date specified, along with the bundle from the templates library. You'll find a witness statement here -

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732096

 

It says its Lloyds specific, but it's also relevant to HSBC claims as they defend upon the same "service, not penalty" basis. Obviously amend to suit and remove any reference to Lloyds.

 

Also have a read of this -

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

Hiya, its says the following:1. This case is to be listed for hearing on Monday 25 June 2007 at 10.00 am.2. It will be listed with all other oustanding claims for refund of bank charges etc.3. The parties shall file and serve witness statement with copies of all relevant documents annexed by 4.00 pm on 11th June 2007.4. The judge will use his case management powers to decide in each case whether to make any agreed order, give directions for the further conduct of the case, or to proceed there and then with the hearing.5. It is likely that any case seriously contested will be given directions and a later hearing date.6. It is probable that the Judge will deal with cases in batches where there is more than one case against one particular Defendent.7. If a party fails to attend the Judge may strike out the claim or defence as he seems fit and enter judgement accordingly.

 

DG will go nowhere near that court room I guarantee it.

pete

Link to post
Share on other sites

Thank you all for your help, I really wouldnt know what to do without the advice here!Going to start collating all the information together so Im prepared. Sometimes part of me thinks, its getting harder now - will they start winning, will I have to pay all their sol fees etc...

Link to post
Share on other sites

Hiya melly, even if you were the first one to loose costs don’t get awarded in the small claims court, everyone is responsible for their own costs so all you would loose is what HSBC have already taken from your account and your claiming back.

pete

Link to post
Share on other sites

Yes, I agree with Lattie - don't start yet, you've got ages till the documents have to be submitted, by which time its almost certain that they will have made an offer. The HSBC regulars will be able to tell you for sure, but I'm not personally aware of any HSBC claim which has got to the stage of complying with directions.

 

Of course if it does get to around the mid-May and no settlement then you'll need to think about starting it then.

 

Was it Poole by the way, just out of interest?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

"Was it Poole by the way, just out of interest?"

 

garyh, are you asking if it was poole because of the 'new' branch they've opened there for the 'rich and solvent - not paupers?' lol

bet they don't get many claimants in poole eh?

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

Link to post
Share on other sites

No, I didn't know about that actually - whats that all about then?

 

I've seen this order quite a few times, usually coming from Poole, which is why I asked.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

Hiya, preparing my court bundle as per your link, just wondered, would I be using Statement of Evidence 1 for HSBC, I think I have it right, but I dont want to get that wrong at this stage!

 

Also, which part of the Lincoln 'Abuse' Thread do I copy, is it just the first post off the link? Is this twoa above part of what I have to submit for the 11th? Let me get it right, altogether, I need to have for 11th (Court Date 25th June):

 

The Full OFT Report -

The Macnamara Interview -

Corrsepondance and Documents relating -

Witness Statement -

Draft Orders and Reasons for why and example (or do I not need this as the Court has alreadu issued orders??) -

Statement of Evidence -

Lincoln 'Abuse' Order -

List of Settled Cases -

 

Hopefully shouldnt have to bother you with my silly questions after this is sorted! Sorry :-|

Link to post
Share on other sites

I was just going to save it all on my computer for now and print it off much nearer the time, the artcile is inspiring though! I just know my luck it will take until the court date until I get an offer. Thanks. - Jodie

Link to post
Share on other sites

  • 3 weeks later...

My claims go back as far as 2002, the account was opened back in 2001 (I think!) I havent kept any of my original documents. Am I in my right to ask my branch for copies of the original contract I signed?? Is it in any Freedom Of Information Act or Data Protection Act?

 

Just starting to think this would be a really good thing to have in my court bundle, and probably help a lot of other people too.

Link to post
Share on other sites

Hiya, referring to post #35, wasnt really answered but is this a list of what I need? Im only preparing it on screen, will print nearer the time.Told you all I'd be posting silly questions again! Im panicing now cos I cant find my original T&C, I know they gave me a silly black folder when I signed with them, god knows where it is, Ive moved 4 times since then!!!

Link to post
Share on other sites

Thats an excellent point. Its also the only way forward people, this site is excellent but I think yesterday was a reminder that we all need to think and act for ourselves, and that includes me because I was sorely tempted to rely 100% on the letters and arguments provided for us until now. (That might seem a bit philosophical for this time of night but I have been drinking.)

I'm pretty certain I have T+Cs from 1999/2000 (I wonder how often they were updated - my credit card ones seem to change daily!) but of course it is the fees bit thats of importance here. And I think HSBC changed their overdraft policy very recently in a move that seems now to be an attempt to make it, and any fees surrounding it, all part of the 'SERVICE'.

People out there will have older T+Cs so I think we should all help each other out, PDF them and make them as acessible as the templates.

Goodnight, and good luck with your claims!

Link to post
Share on other sites

crusher and others are trying to put together a refence library i guess you'd call it - for peeps to use - so everyone is looking for them - they will probably have every possible one by the time you need it.

 

 

here's my list of the court stuff - and the links may tell you what you want to know...

a) your schedule of charges.

b) your statements showing the charges. Alternatively, the list of charges which the bank provided under your S.A.R (subject Access Request) (only send the statements with charges on them.)

c) A Statement of Evidence: (post 55 in the new strategy): New strategy for Allocation Questionaires

d) All the statutes and decided cases on which your claim relies. ie, UTCCR's, UCTA's, SOGA, case law, etc. For this, I'd just submit the whole of the Basic Court Bundle.

This whole thing runs to around 200 pages and should be done in triplicate: one copy for you, one for the court and one for dg – that’s 600 pages of copying – LEAVE IT UNTIL YOU KNOW FOR SURE YOU NEED IT. If an offer comes in from DG and is accepted you wouldn’t need it.

Link to post
Share on other sites

Hiya, Ive been through these links from further up the page, its where I got my list from in the first place.Hopefully I should have everything there, I need to start going through it all on screen ammending it for my own case.... pre-warned work I may (hopefully not) need to take the 25th June off work!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...