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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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nyc_lond10 Vs HSBC Bank


nyc_lond10
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  • 2 months later...

Really sorry I havent responded in a while. I fell ill shortly for some time and havent been able to pay any attention to this. To make a long story short, I have not yet "won" as I thought I did earlier - still waiting I suppose liek everyone else. In the mean time interest keeps getting added on to my account. I have also noticed recently that the advanced excel sheet doesnt seem to work properly the further time it takes (i.e. I drop down the interest charges and its not adding the new amount onto the existing balance) - any help -

 

What else is going on for everyone....any successess out there or are we all waiting for the January/February dates...?

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  • 4 months later...

Hey Pinkduchess and freakyleaky, thanks - its been a while and was hoping this was going to come to an end back in October - anyway, good news I hear with the the court case (i hope) - good too see some familiar names that helped me so much THANKS!!! how can i return the help that people provided me...?

 

 

Yes, the interest keeps growing - I hope they will remove that as well....

 

Hope you two are well, where is your sig...? Robert

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where is your sig...? Robert

LOL:D I should have explained. My signature is all that stuff under my post. I will leave it off this one.:)

 

How can you help? You can answer a few posts and point the newbies in the right direction. Just take a look at at the last link in my signature on the last post.:)

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  • 3 weeks later...

Bank interest has accrued since September - especially s.69 interest which I woul dlike to cliam back - Do I need to send an updated claim to the cout that stayed my case against HSBC? Any idea what form I need to use...?

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Hiya nyc, the standard CAG spreadsheet updates everything for you if you have a look at it now you will see its a lot more now than it was when your sent it to the court :D.

 

The interest will be added to the settlement figure when you are paid :)

 

pete

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  • 2 weeks later...

Meanwhile the interest on my overdraft continues to grow and grow, I wish the FSA would also freeze the interest on my account rather than just freeze new claimes....this is really unfair....what can we do???

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  • 1 month later...

I need help - I would like to have my stay lifted - can anyone send any info on how to lift my stay on the grounds that the interest has continune to increase and its creatign financial hardship.

 

Thanks Robert

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Hiya NYC, your best bet is to open another bank account and just forget your HSBC account until the test case is settled, thats what I have done.

 

If you don't put your money into your HSBC account they cant take it in charges and they are just stuck with an ever increasing debt that they cant recover because to do that they need to take you to court and thats just what you want too :).

 

pete

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Thanks Pete -very helpful - I have taken the advice on board - I just get a bit worried as the amount goes up and up and then I keep getting this monthly phone calls asking me to pay up, etc. So just a bit concerned, but I will keep the faith , thanks for your help Pete.

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They will try to recover the "debt" by phoning you and in my own case they even tried to set Metropolitan collections onto me but there is nothing they can legally do to make you repay anything.

 

Have a look at what I said to Metro, I've heard nothing since I wrote this letter :)

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/125577-metropolitan-collection-services-action.html

 

pete

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Aside from the annoying phone calls from HSBC, today I received a letter from the Customer Credit Services Department:

 

We have recently advised you of our concerns regarding the position on your account, and have asked you to take action to rectify the situation or to contac tus to discuss what can be done. (FYI total account in the red around £8700 of which £4500 is charges and interest and growing...).

 

I would urge you to take eithe rcourse of action immediately, as a failure to respond to this letter may have serious consequences.

 

Most directly, if you do not respond to this we will have no alternative but to formally demand repayment of the amount which you owe us. A failure to comply witht the demand could ultimately lead to some or all of the following:

 

* the witdrawel of you rbanking facililties, blah blah, blah

* The enforcement of any security given eithe rby you or a third party....

* The passing of your details to a Credit Reference Agency (blah blah)

 

We are given you a further 28 days from the date of this letter in which to contact us and agree repayment terms satisfactory to us.

 

You can get help form Blah Blah Blah...

 

What to do:

a) Nothing

b) respond ion writing and tell them that my court claim has been stayed and I will do nothing pending the outcome of ther court case.

c) And this is more of personal opinion - part of the outstanding amount owed is non-charges - should I start paying any of that off...

 

Thaks, Robert

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you have all three options available :) 1 and 2 because your claim has been stayed and for HSBC to collect anything they will need to take you to court for all of the debt, they cant split it, and as soon as they do your claim comes into play :D.

 

Option 3 is probably morally the best though, if you can clear the part of the debt that you don't dispute (even by paying a bit off every month) it puts you on rock solid ground, you will be left with one lump of disputed money and they wont touch you :D it will also prove to a court your willingness to pay what you owe :).

 

pete

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Thanks Castlebest....

 

Default Charges:

 

Last year August, I started asking HSBC to look at the default charges on my account, several accounts, were thankfully changed - and they apologised for it. While the account with Bank charges (that I subsequently went to court for and lost), they also added a default notice, I asked for a Certified Copy of the demand, and all I received was was a letter stating " we demand immediate payment of blah blah blah...- I odnt really even think it is a true and certified copy as required. Could I send these to anyone to look to tell me....?

 

In other words, what does an actual true and certified copy look like...?

 

Robert

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  • 6 months later...

Hi everyone, havent been on here in a while, just checking in and i guess waiting like everyone else for the Appeal Court to make a decision on illegal bank charges.

 

Can anyone help?

 

Iwas one of those unfortunate one's who was in court around the same itme that the FSA provided a waiver for the banks involved and effectively my case was stayed pending this outcome.

 

A year later, HSBC has sent me a final demand letter! Amazing! Nothing for quite some time, the second I ask the Financial Ombudsman to speak to complain about the financial hardship that this causing me, I get a final demand letter from HSBC.

 

Can they make any final demand while the court case is still pending? of course they are threatening to close the account, but thankfully you guys instructed me to open another account long time ago, so it doesnt bother me whehther they close it or - but I do care about my credit record, which thanks to you guys, I maaged to clear as well.

 

So a bit worried about this FINAL DEMAND letter - any advice???

 

Thanks guys, and glad to be back!

 

nyc

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Hi everyone, havent been on here in a while, just checking in and i guess waiting like everyone else for the Appeal Court to make a decision on illegal bank charges.

 

Can anyone help?

 

Iwas one of those unfortunate one's who was in court around the same itme that the FSA provided a waiver for the banks involved and effectively my case was stayed pending this outcome.

 

A year later, HSBC has sent me a final demand letter! Amazing! Nothing for quite some time, the second I ask the Financial Ombudsman to speak to complain about the financial hardship that this causing me, I get a final demand letter from HSBC.

 

Can they make any final demand while the court case is still pending? of course they are threatening to close the account, but thankfully you guys instructed me to open another account long time ago, so it doesnt bother me whehther they close it or - but I do care about my credit record, which thanks to you guys, I maaged to clear as well.

 

So a bit worried about this FINAL DEMAND letter - any advice???

 

Thanks guys, and glad to be back!

 

nyc

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Hi nyc , welcome back :D

 

If the Final Demand is for money which is part of the 'stayed in court ' claim ... they cannot do it... and they can't touch your credit record either - the account is 'In Dispute'.... some of these people now seem to have completely lost the plot . or they're hoping that we have :rolleyes:......

 

I would be tempted to let them take you to court for it .... which they won't do unless they're completely daft , because they'll run into your claim ........ but if they do , you'll maybe get your hardship claim acknowledged and be paid out before the rest of us ,,,,,,,,,,, lol!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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I think this is a double post nyc, - see my reply on your other thread :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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