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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Laddie18 vs HSBC


laddie18
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Just read the Lloyds TSB 'victory'!

i wonder if any of the mods could put what it means it laymens terms for us thickies if possible.

I am probably worried like most other people on here what this means to us.

 

Many

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Just read the Lloyds TSB 'victory'!

i wonder if any of the mods could put what it means it laymens terms for us thickies if possible.

I am probably worried like most other people on here what this means to us.

 

Many thanks in advance

 

John

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john - still thinking about that managed loan thing - apparently this is the very first step - if they can't provide a signed copy of the loan agreement then it may be unenforcable. here's the letter - and read around the thread a little you'll see a few are trying it...

 

Re:− Account Number Here

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. (Send with postal order for £1 by recorded delivery)

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act

 

I look forward to hearing from you.

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Thanks Lat,

 

Just cut and pasted will post tomorrow, anything is worth a try...

 

Again, the knowledge of the people on this site (especially you) amazes me

 

John

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Just been reading all the fallout out from the Lloyds case on the net.

 

Would be nice to hear from a qualified legal eagle on what their thoughts are on the case?

 

It is not going to put me off, i will be going through the paperwork and reading up more thoroughly as should everyone. it sounds to me like we should all be able to produce t&c of when we took put the accounts with the banks?

What do other people think>

 

John

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Hi Lat,

 

Just been thinking about the managed loan thing, i have not done anything about it yet.

I am going to ask them for an overdraft to cover the Overdrawn amount on my account and explain to them that this is going to be a hell of a lot cheaper then me taking out another managed loan.

I think that their reply may go along the lines of NO as i do not have a good credit score etc, but surely if they are prepared to offer me a LOAN they should be prepared to offer a temporary overdraft (temporary until i get my excess charges back from them (should i mention this?)).

 

Wonder if anyone else has any suggestions?

 

Cheers and the beers will be on me once all this has been sorted.

 

John

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why not say to them something like = i am expecting some money in within a couple of months, so were you able to extend to me an overdraft for a couple of months - i will be able to pay it back -

and if they ask where it's coming from - you might just say from DG Solicitors. you just know they wouldn't be that helpful - when they could get you onto a managed loan and be able to charge you 20%. i really, really get mad when i think of those damn loans.

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It has just been on the 10 o clock news on the BBC with a little piece about the Lloyds 'victory'. They basically turned round and said that this holds no precedence on everyone claiming their money back!

 

Any one heard how Stax got on, i believe today was the day for court?

 

John

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  • 2 weeks later...

The postman has just delivered 13 envelopes from HSBC for 2 accounts (2 years missing on 1 account!!)

 

1 account worth £624

1 account worth £388

 

Thought it was going to be a lot more.... but never mind!

Prelim letter goes off for 1 account tomorrow, will give them another couple of days to get the missing statements to me...

 

How is everyone? What has been happening as i have been away with work for 2 weeks nearly. Its amazing how you miss how other people are getting on!..

 

John

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Hi All,

 

Postman turned up this morning with the missing statements.

 

Prelim Letter going off today to Colin Langdale

 

Account 1: £1013.50

Account 2: £388.00

 

Heres hoping for a quick settlement!!!:)

 

John

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Just recd a settlement letter from Intelligent Finance, as it is a little quiet over there i wonder if someone would have a quick look at my no thank you letter before i post it.

Cheers

 

John

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where is your no thank you letter? Is it on another thread, if not, post it here or PM someone (or me) and we will take a look at it.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Just click on my name and then click on send a personal message.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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