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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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Court Bundle and HSBC Business T & C


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Hi

 

I am needing urgent assistance. I am trying to put a court bundle together for HSBC, but also I have been mis-sold a side product (forced to take it with a loan)

 

Also I require Terms and conditions for business banking (if it is different) to personal banking???

 

I need to send it all in by tomorrow at the latest. Please can someone guide

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i was told that I had to take out a loan protection insurance with my loan and that I had no options, it came with the product. £720.00. Only after the 56th payment (4.5 years down the road) have I found out that apparently one is never obligaged to take a side product out.

Then I was told that it was no for Loan protection (although it says loan protection) but for health insurance

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I need help.

 

I did not realise that a sole trader had a different set of laws than a consumer. I have filed my case as a consumer.

 

I have a court case in two weeks. I have asked for the around £4800. I was suppose to put directions in but failed to do so as the builders had the letters under there equipment and only found them recently. I am therefore 7 weeks late on that

 

These comprise of bank charges £4 per day over my overdraft limit - often running in to 100-150 per month.

 

The misselling of a side loan product with a loan. I was told 6 years ago that I had to take a loan product with a loan - cost 720 + 350 interest

 

Today I got a letter say that they are not going to entertain etc and that they would offer me £2500, however I wrote back and said I would accept providing that they repay my last three months charges - over 500 pounds and the misselling of my loan - total £3700. I do not think that they will entertain this

 

I have not been informed that you cannot use the UTTCR but UTCR and that the bank charges return (for last three months ) needs to be amendent.

 

Do I request a N244 for that from the court and do I have to pay.

 

Also does anyone no if the £4 per day is legal? for businesses.

 

Also DG solicitors said if I take the £2500 I cannot claim any more of them however £1000 is for the loan and £500 for the last three months so what should I do. What is the statue of the courts at present. (A stay.. through it out as I have not applied to their directions) - although I called the court on wednesday and they said put them in as soon as possible and then I will need to tell the judge. The bank also have not put the directions in.

 

Please can someone advise exactly the documents I need to put in my bundle, can they contract their initial offer:

 

Please advise ASAP

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Hi,

The £4 a day fees are overdraft fees, and are considered claimable, as for your business bundle I would think that the consumer bundle that is available on this site would be sufficent once you remove any references to UTTCR, that is how I understand it I hope someone else can confirm ?

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