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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Microdotster-vrs-HSBC


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Hi everyone,

Just thought id post how my claim is going, I closed my HSBC bank account at the end of 2002 and have decided to claim back the charges from Jan 2000 to Dec 2002. When I checked through my old paper work I couldnt believe that Id actually kept nearly all of my statements. Theres a few missing but luckily the previous statement tells you what charges they are going to put on your account next month, so rather than wait up to 40 days for the Data Protection Act request ive decided to go with what ive got in charges, which is a grand total of:

 

£1674.00 :D

 

I have already sent my preliminary request letter along with a schedule of charges recorded delivery to Colin Langdale at the Leeds address. Is this the correct person as I am actually from the London area? Anyway I have tracked it online and this letter was recieved on 24/01/07, so by my reckoning they have until 06/02/07 to reply. If not then I will send them a letter before action, is the next 14 day wait really necessary? From what ive read HSBC seem to always take it all the way to the court stages anyway.

 

Ill keep you all posted, any thoughts would be grateful!

Thanks for reading!

 

P.S. Oh and im also in the process of writing up my schedule of charges for the last 6 years of Abbey charges, as I have all of my statements for them as well. Wish me luck!

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Cheers for your reply ladybird, ive pretty much read as many HSBC claims as I can at the moment and most seem to point to the best contact being Mr.Colin Langdale.

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hi micro

i know the bank don't usually respond to letters written on time. By giving them 14 days to respond, you are giving them a reasonable time limit in which to do so. you then stick to your timescale - regardless, unless of course they respond with a 'heres all your money back letter' - it happens rarely!!

good luck with your claim/s

netty

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

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Oops I think I might have made a mistake, when is the earliest date I can claim from? I started mine from Jan 2000, but now I think about it I sure I can only claim from Jan 2001, can some one confirm this for me? Its gonna cost me about £600.00 if im right!

 

Cheers in advance.

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Should I send a second prelim letter without claiming for Jan 2000 to Dec 2000, or should I just wait until the deadline is up (Tues 6 Feb) and send the LBA with this time period on it? Can anyone give me some advice please?

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hi micro

it is charges for the last 6 years - as you haven't submitted your claim to the courts yet maybe you could alter your spreadsheet for the correct amounts and dates. i think you can alter it before it goes to mcol/court but obviously not after.

i say stick to your timescales and press ahead with the lba when the deadline comes

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

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Cheers netty, so you reckon I should take the charges off of my schedule for the dates Jan 2000 to Dec 2000 now and send an updated sheet with my LBA, which is due on Tuesday 06/02/07? do you not think its worth hanging on until its time to raise my MCOL before changing it, just to see if they pay up before court action? LOL ;)

 

Thanks for your reply BTW.

 

I got a first reply today from Mr.Colin Langdale, it reads:

 

Dear Mr. XXXXXXXXX

 

Thank you for your letter dated 23 January 2007 concerning bank charges.

 

I am looking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations.

 

In the meantime, I enclose a copy of our leaflet which explains how these matters are dealt with. If you do need to contact us please quote reference number XXXXXXXXXX.

 

Your sincerely

 

Colin Langdale

Senior Service Quality officer

 

It sort of feels like something is happening now LOL!

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hmm i think that if you left your s.o.c. the way it is, if it went to court and you won - they would knock the amounts off for prior to 6 years anyway?? not 100% sure, but i say amend it and send the new one with your lba - tweak the letter so that you mention that the breakdown of charges is amended

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

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Yeah im going to the bank tomorrow to see if they can print out my statements from 2002-2003 as most of these are missing, to try and bump the claimed ammount back up. Ill have to remove the ones from Jan 2000 - Dec 2000, :mad: gutted :mad: drops my claim down to just over £1000.00 :rolleyes:

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Right, just got all my missing statements printed out at my branch and it bumps my claim back up to....

 

:D £1443.50 :D

 

This is without the statements from Jan 2000 to Dec 2000 which is fantastic, this means ive only dropped £230.50. Im about to post off my LBA to Colin. L now. I take it I only add the 8% interest when I register my MCOL? Hope I dont get an offer before, as it will put it up to £2034.41 :D at the court stage.

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if you get an offer before it gets to mcol stage and it is not acceptable to you, just inform them that you will only accept the amount as partial settlement as if it went to court you would bet getting the lot back (or words to that effect). likewise if you get an offer after mcol - do the same but tweak a letter to say, yes but as partial settlement only, but see ya in court for the rest

good luck

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

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microdotster, just looking at your thread and i'm wondering if you did your charges on a spreadsheet from the library - reason i ask is if your charges are 1443.50, i don't think you will add 600 with the 8% interest. just to clarify you use the spreadsheet or the interest calculator because it figures out the interest on each charge from the date of that charge(so a charge from 2003 would incur more than a charge from 2005 - the interest for each charge needs to be calculated, that's what the s/s does so wel., it just sounds out of line to me - so i would put your charges on a s/s, if you aren't doing overdraft interest and are just looking to figure the 8% for the claim stage use the england-excel or word simple s/s. 6. Interest calculation spreadsheets see how it comes out - this same spreadsheet becomes your schedule of charges and looks very neat and tidy to send with your lba (call it your revised schedule in the letter). and also you will be sending it to the court and their solicitors pretty soon.

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Hi Lateralus,

I know it does seem high doesnt it? I did use the simple spreadsheet from the library and ive double checked it, I think what makes it so high is the fact that all of my charges are from Jan 2001 to Dec 2002 which is a long time ago!

My first charge was on 16/01/2001 which was for an unpaid D/D which cost me £28.00, the interest worked out by the spreadsheet shows as £13.66! (2218 days ago) My total for this year is £793.50 the interest adds up to £363.64! Total: £1157.24 Plus the other schedule for 2002!

I have used this spreadsheet as my schedule of charges for both my HSBC and Abbey claims, I have just taken off the interest rows for the purpose of the Prelim and LBA's. Thanks for taking an interest and contributing to my post, BTW. :D

microdotster, just looking at your thread and i'm wondering if you did your charges on a spreadsheet from the library - reason i ask is if your charges are 1443.50, i don't think you will add 600 with the 8% interest. just to clarify you use the spreadsheet or the interest calculator because it figures out the interest on each charge from the date of that charge(so a charge from 2003 would incur more than a charge from 2005 - the interest for each charge needs to be calculated, that's what the s/s does so wel., it just sounds out of line to me - so i would put your charges on a s/s, if you aren't doing overdraft interest and are just looking to figure the 8% for the claim stage use the england-excel or word simple s/s. 6. Interest calculation spreadsheets see how it comes out - this same spreadsheet becomes your schedule of charges and looks very neat and tidy to send with your lba (call it your revised schedule in the letter). and also you will be sending it to the court and their solicitors pretty soon.
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Just got confirmation that my L.B.A was recieved on 12/02/07 :smile: which means it will be time to register with MCOL on 26/02/07 :lol: unless a full offer is recieved before then! Which I doubt! ;)

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go ahead and register now - work your way through - it's very easy stuff, in and out at will, work your way up to the particulars - that's the only really tricky bit - getting your particulars into the limited space. there is a template in the library above - and if you want - i'll send you mine as another example. that way you'll have it all ready to go when the time comes - just press submit and pay and it's done.

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go ahead and register now - work your way through - it's very easy stuff, in and out at will, work your way up to the particulars - that's the only really tricky bit - getting your particulars into the limited space. there is a template in the library above - and if you want - i'll send you mine as another example. that way you'll have it all ready to go when the time comes - just press submit and pay and it's done.

 

Oh I didnt realise I could make a start on it now! Quality! So what youre saying is that I can fill it all in ready and just submit/register it on the due date (14 days after HSBC's reciept of my L.B.A)? If you wouldnt mind sending me yours as a guide I would appreciate that alot, ill P.M you my e-mail - cheers, that is really kind of you :D thanks for the help!

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Lateralus,

just had a look at your *WON* thread, I cant believe you won in under 4 months, thats pretty good going isnt it? Well done, hope mine goes as smoothly. Do you think it might be affected by the fact that my account was closed in 2003? Also ive read a few threads about people claiming in excess of 6 years, is this possible? if so how? is it more complicated?

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sent my partics.

as for the over 6 years - it's a longstanding debate - lots of threads to look at -

you might ask liz - with her dirty tricks thread as she has just given me chapter and verse on statute of limitations - i'm not there (understanding or deciding what to do with it - advice wise) yet. ask her. that's what we do around here - point in the right direction.

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Ok cheers will do that then. I think that if I am going to claim for longer than 6 years I will do it on a separate claim as ive already sent my LBA and dont wanna risk losing this claim.

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Thanks for the e-mail I will make a start ASAP. Still have had no reply and the MCOL is due on Monday :D LOL

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  • 2 weeks later...

MCOL is now completed and waiting for it to be served to HSBC! I hope its £120 well spent! Anyone got any idea what I should be doing now? Should I be sending HSBC or DG a copy of my schedule of charges with the now added 8% interest? (which bumps it up another £600) :D Sweeeeeeeet!:D

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