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    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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CatLover64 v HSBC


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This was in Croydon.

http://www.consumeractiongroup.co.uk/forum/barclays-bank/43064-bookworm-barclays-round-2-a-2.html#post1104348

I'm assuming that you're applying for removal of a stay. Make absolutely sure that you don't try any shortcuts, use the proper form and pay the necessary fee if so. From what I've been told it could make a difference as Croydon don't like people trying to apply without. If you notice Booky does say that the judge seemed sympathetic.;)

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Advice & opinions given by Caro 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.

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  • 2 weeks later...
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That was a very interesting read. Not quite sure of the implications though. The financial Ombudsman will probably be absolutely inundated with people claiming now that story has been leaked out.

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Very interesting as you say Jo. :)

 

I'm a bit confused though, (nothing new for me) I thought the FOS had put everything on hold until the 'TestCase' was over..........? :? . Is this now saying that if you send your case to FOS anyway, they will tell the banks to cough up IN FULL on the quiet?

 

My brain hurts :grin: :grin:

 

PS Sorry, - Hi Catlover, long time no hear!:-)

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.

 

 

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I had a look at the FO site and it still says that claims are put on hold pending the outcome of the OFT case

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

 

 

A prudent question is one-half of wisdom.

 

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Seems to be a bit of mischief-making going on with the media Pete, - I don't suppose .... no ... surely not ...not the banks telling porkys to put people off. :rolleyes::D

 

And to try to push OFT & FSO and court minds along pre-prepared tracks ..... no they wouldn't do that, would they????? :o

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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.

 

 

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You'd best have on a ****proof suit then Pete! :D.

 

Personally - thought this might be a red herring, but now the story's appeared on the Beeb, am not so sure...It would be just like the OFT to give it large, then bottle out. I definitely smell a stitch up in the offing...

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Whatever they do will now be under the microscope of every financial editor of every media outlet in the country (not to mention the out and out scandal monger journalists) and if they smell a rat they will go digging for it, scandal sells newspapers and makes people watch the TV and thats what they are in business to do :D.

 

The heat is on and I hope all these agreements that have been made are watertight because theres a tidal wave coming :D.

 

pete

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I had the same feeling yesterday ,Pete, as if something is going to bust loose shortly. :o

 

Let's hope it's in our favour, not a behind closed doors sell-out by OFT,FOS,FSA & Uncle Tom Cobley and all! :D

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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.

 

 

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You're right, of course Pete, I'm just an old cynic!:rolleyes:

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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.

 

 

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Just a teeny thought. My prelim hearing's on 17/10. Not too sure what I should bring to the hearing but DG have indicated they'll go for a stay. Wonder if I should print off these stories, bring them to the court, and respectfully 'invite' HSBC to settle?

 

Don't want it to drag on, but am moving abroad next year. Think I'll throw that in the mix too!

 

What do you guys think? :)

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If you have a date for emigrating then it is worth bringing this to the courts attention that you wouldn't be readily available to attend court after that date. Nothing to lose by trying.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 2 weeks later...

Hi guys

 

Thanks for the replies. Haven't heard anything more, but then I've been in Portugal for the past couple of weeks sunning myself :D.

 

Does anyone know how FL is? Seems he's not too well again....:(.

 

Meanwhile - my case is due to be heard all being well 17/10. I'm not going to call the court beforehand just in case they have the bright idea of staying the case if I do. I'll just turn up and see...

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The court will probably try to stay it anyway, - have your 'arguments against' ready to trot out at the time, if you get a chance to get a word in - some judges are just 'staying blind'. Then you have to apply to have it lifted.

 

Your best lever may be the emigration card, but I think the courts are stuck in this 'stays' mindset, unless you can plead genuine hardship......

 

If all else fails try for a direction that the bank should not apply any more charges until the test case is decided. (although I only know of one judge that has done it, if you don't ask they won't think of it!)

 

Haven't heard how Freaky is, he's only been off-line a couple of days.......

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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Hey Johnny! How are you? Thanks for the reply.

 

I think I can prove hardship as well as the emigration card, so will use these and hope for the best. At least I won't have to ask that no more charges are applied to the account as HSBC have already closed it! :mad:

 

What other arguments/papers should I bring to the hearing? Anyone able to advise or help?

 

TIA :)

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Hi Cat

Just to make you feel better they settled mine about 2 weeks before the prem date, I sent a letter to D&G stating if they didn"t settle straight away it would have to go to court as I was on holiday for the 2 weeks before the prem date, I don't know if it helped but they did settle. I also sent them a copy of a special directions letter which I sent to the court and asked which person to address my court bundle to (which I hadn't done)

I think at this stage if your on top of your nudge letters a little more pushing wouldn't hurt

 

Good luck

 

Sharon

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Hi Sharongina - you were lucky , like me - that was long before the OFT Test Case reared it's head. Banks no longer have to pay up because cases don' t get dealt with by courts who are staying cases until the result of the Test case.

About the only way you can get a stay lifted and a case heard is if you can prove genuine hardship.

Nudge letters are no longer an option, because banks don't have to deal with your claim any more........... :eek:

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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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Hiya Cat, I would get all of your papers together in a file of some sort and file it/index it so you can find things easily and take it all with you so if anything gets asked about your claim you can counter it without having to say its here somewhere lol.

 

read up on stays, if you hear nothing fron the court (ignore DG) still have the application to have the stay lifted and all of your reasons with you, Have a look a Zoot's skeleton argument template..

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115276-skeleton-argument-stay-hearing.html

 

I think if you at least read it it will focus what you need to say to counter DG's stay application.

 

and if you want to see DG's stay application :D it's here post#26

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/115078-hearing-remove-stay-monday.html

 

good luck

 

pete

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