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    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
    • Hi all, I wanted to update you and thank you all for your help. I am delighted announce that after the case was struck out due to no response from Evri, judgement was issued after I submitted the forms and I was just about to take it to warrant.  today I received an email from the claims department requesting my bank details to make payment for my full award. The process has been long since the initial proceedings  in January i must say your help and guidance has been greatly appreciated.  
    • Quote of the century "Farage pops up when the country’s at a low ebb; like a kind of political herpes" - Frankie Boyle Updates
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Manicblonde V Hsbc


manicblonde
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You can either ignore it in the hope that they will write to you, or you can give them a ring back and tell them to write to you.

[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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Yes I think you had better get it altered now!! It must be the medication wearing off!

 

Got a letter Friday from HSBC. Unable to verify my income & Expenditure from the form! Do they think I'm lying! I know how to complete another form! Will get that off today & let you know the outcome!

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OMG, Day going from bad to worse!! Hubby been working away, HSBC have always dealt with me not him for our joint acc. He is aware of all that I have been doing to get these blinking charges back and what does he do..............

 

1 call from HSBC to him in relation to the fact that we are over our OD balance and despite the fact monies going into the account on Friday to take us back under, he goes and pays the whole OD off by transferring the balance to his Flexi loan! :mad:

 

Well done hubby! I am still trying to get a response on the grounds of hardship from them! He has no idea what state my finances are in!!!!

 

They want me to complete another form so I am now going to do it on my income/expenses only. Although we hav a joint acc, I have my acc & He has his and we trf money to the JA each month to cover all bills. He is obviously better with his dosh than I am! HSBC know this is how our accounts run so hopefully (though I doubt it) will see the mess I am in and take pity on me like Halifax has done!:rolleyes:

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  • 2 weeks later...

I have just had a reminder to myself to check if the Stays are lifted on my cases!

 

I dont have my paperwork with me, Has anyone had any correspondence from the courts in relation to the stays?:?

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HELLO Manic long time silent isn't it, I haven't heard anything about lifting the stays, but am watching and waiting, I am in no fit state to do any more about it other than spend time on here at present as I have had an accident let me know what you find out. val

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  • 3 months later...

Hello all

 

I have been fighting HSBC to deal with my case on the grounds of hardship, just because I earn a decent wage they wont look at it! I may earn a decent wage but my out goings CLEARLY exceed my income at present.

 

Spoke to Tom who sugessted I speak to Payplan, I already have!! It looks like we'll be going down the IVA/bankruptcy route unless I can get a short term fix (eg refund of charges) to clear the backlog of debt to enable us to remort!

 

I may even loose my job if I go down the IVA route and that will really bugger things up!! :mad:

 

Anyone got any suggestions (other than throwing myself of a cliff)??:confused:

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Manic Hi nice ot see you still around.... given the current economic climate a remortg minght not be an option.....dont mean to be a party pooper..

 

Am not sure if you have gone back to the FSA informing htme that the bank refuse to consider your hardship claim. lay everything out to them and see if they can help...

 

my other thought is transfer your slary and your oh's into another bank account.....and tell Horrible Slimey Bloddy Company to go and take you to court.....

 

my only othere suggestions is the CAB and have them contact all your current creditors and see what they can do.....

 

Hope some of this is helpful......

  • Haha 1

rockin all over the world

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Hya, I've moved my account but hubby wont let me move the Joint acc!! I have not tried any other vendors as yet but looking on th net most want at least 20% deposit and we have about a 15% deposit (as long as the house value has not gone down again)!!

 

I dont want lots of credit searched on my history. I might try a mortgage adviser!

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OK, can somebody point me in the direction of what the FSA classify as a hardship case please?

 

I think HSBC seem to have a different classification of Hardship to the FSA but I cant find the thread on it. (Sure there was one or I may be loosing it)!!:(

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Found this on MSE site

 

Q: I am currently having financial difficulties, is there any way to reclaim?

A: The waiver that allows banks to suspend claims does not apply to people who are having financial difficulties, also known as a hardship case. Banks will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period.

Although there is no firm definition of what genuine hardship is, it generally applies if you are not able to deal with your debts, for example you have mortgage arrears and lots of credit card debt that you cannot afford to pay back.

If your bank is not able to help, you can also send your complaint to the Financial Ombudsman who will decide if your case can be dealt with before the test case is resolved. For details on contacting the Ombudsman see the main Bank Charges reclaiming article.

rockin all over the world

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  • 6 months later...

OK, got nowhere with HSBC re Hardshp, Have passed this matter onto the FOS for their assessment of wether they think I'm a hardship case or not!

 

Should I be sending anything to the Courts re the Stays allocated to my matters just to inform them I am still waiting for things to be sorted out?

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You could drop them a line just to say pending the result of the test case you have refered your case to the FOS because HSBC are refusing to recognise anyones "hardship status" however you belive this should not materialy alter the facts involved with your claim number XXXXXX... and you look forward to progressing the court hearing once the stay has been set aside :)

 

pete

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You could drop them a line just to say pending the result of the test case you have refered your case to the FOS because HSBC are refusing to recognise anyones "hardship status" however you belive this should not materialy alter the facts involved with your claim number XXXXXX... and you look forward to progressing the court hearing once the stay has been set aside :)

 

pete

Keep it personal. Refusing to recognise YOUR hardship status. However, you don't have to inform the court and your chance of getting a stay set aside unless you are in Scotland is probably zero.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 4 weeks later...

OK, Letter from FOS AND an answer phone message to say that they are sending my details back to HSBC for them to re-assess?

 

Nothing further, will update you if and ehn I have news but not holding out much hope as yet!!:(

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