Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
  • Recommended Topics

  • 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
  • Recommended Topics

Brownfish vs HSBC


Brownfish
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6555 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

Hi everyone, I've been lurking around for a while now, but I've finally decided to do it.. I have no idea how much HSBC could possibly owe me so I'm sending my 1st letter today.

(The data protection request letter found in the templates library.)

I'm really nervous about it and hope you guys will be there to help me out!!

 

Thanks in advance

 

Laura x

HSBC owe me £2053.50 (don't forget the 50p!) :D

Prelim letter rec'd - 23/06/06

Breakdown of charges rec'd - 29/06/06

Link to post
Share on other sites

Good luck! They paid me in full a couple of days ago, all it needed was a little patience and commitment - you'll get yours too :)

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

Link to post
Share on other sites

Yes, good luck and keep us posted. If you check the HSBC forum you will find that, whilst they take it to the edge, there is a pretty standard set of procedures to getting your money back.

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.

Link to post
Share on other sites

Thanks everyone for the reassurance, will keep you posted! ;)

HSBC owe me £2053.50 (don't forget the 50p!) :D

Prelim letter rec'd - 23/06/06

Breakdown of charges rec'd - 29/06/06

Link to post
Share on other sites

  • 4 weeks later...

Hi everyone,

 

Well just to keep you posted and as a diary of events for me:

 

I got my statements from HSBC

Calculated they have charged me £2053.50 over the last 6 years

Sent Prelim letter (asking for it back)

Which they received 23/06/06

So now I'm just waiting.....:roll:

HSBC owe me £2053.50 (don't forget the 50p!) :D

Prelim letter rec'd - 23/06/06

Breakdown of charges rec'd - 29/06/06

Link to post
Share on other sites

nice one, again just keep us informed,

 

b.o.l. ;-)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

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

Link to post
Share on other sites

Well, like a few other posts on here at the moment, I got in yesterday to a letter from HSBC asking for a 'full itemised breakdown' of the charges.

I didn't send a list of charges with the prelim letter 'doh!' so I assume (hope) its a stalling tactic.

Just a quick question guys.. Do you think I should send another letter with the list of charges stating that the 14 days still stands and reaffirming my position etc, or shall I just get this list of charges sent off asap.

 

Thanks in advance x

HSBC owe me £2053.50 (don't forget the 50p!) :D

Prelim letter rec'd - 23/06/06

Breakdown of charges rec'd - 29/06/06

Link to post
Share on other sites

Decided to send a short letter reaffirming my position and reminding them they have 14 days from my original letter to respond 'positively'! and enclosing my itemised breakdown..

 

Does anyone know if I should send this to my branch or to the address on the Letter they sent me?

 

Mr Colin Langdale

Senior service quality officer

 

Thanks x

HSBC owe me £2053.50 (don't forget the 50p!) :D

Prelim letter rec'd - 23/06/06

Breakdown of charges rec'd - 29/06/06

Link to post
Share on other sites

Decided to send a short letter reaffirming my position and reminding them they have 14 days from my original letter to respond 'positively'! and enclosing my itemised breakdown..

 

Does anyone know if I should send this to my branch or to the address on the Letter they sent me?

 

Mr Colin Langdale

Senior service quality officer

 

Thanks x

 

i's send it to the address on the letter now you have a named contact, otherwise the branch has to forward it on and hope it goes to the right place,

 

they recived my letter on the 23 also but enclosed breakdown of charges, wonder when they'll respond to me?

Link to post
Share on other sites

Thanks James, Its so good to get reassurance from others on this site.

Really nervous about the whole thing - but hopeful!

 

Fingers crossed for you too ;)

HSBC owe me £2053.50 (don't forget the 50p!) :D

Prelim letter rec'd - 23/06/06

Breakdown of charges rec'd - 29/06/06

Link to post
Share on other sites

no need to be nervous, if you need reassurance you know where to come :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

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

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6555 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...