Jump to content


  • Tweets

  • Posts

    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

hsbc cca


lolly371
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6037 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

going through my credit card agreement with a fine tooth comb, i have noticed that it has an APR of 17.9% variable. how much can it vary? my statements are charged at 20.9%. (i think- there are only 3 statements that tell me the APR rate) is that a reasonable fluctuation? also the credit agreement is actually the application form i signed before receiving the card. i know there have been a lot of discussions about the difference between an application form and a credit agreement, but it seems to have all of the prescribed terms, so i am a bit unsure of what to think. my oh is going to scan it for me when he gets a minute, so any advice would be good. i'm not very good with computers (it took me nearly a year to get the courage to start my own thread!!!) so sorry for the delay! if i can get any advice on the APR in the meantime, though, i'd be very grateful

Link to post
Share on other sites

  • Replies 112
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Lolly, If the application form has all the terms and conditions that govern the credit agreement printed on it then your probably on thin ice.

 

The one I got sent back was just my signature and a bland statement saying if a card was granted it would be governed by the terms and conditions of the lender and mentioned two clauses in particular by number. They also sent a set of the up to date terms and conditions which were totally different and didn't have clauses with the numbers on the application form :rolleyes: so check what you have been sent carefully.

 

Apr's do fluctuate but take the higher one when you are calculating the interest due back on your charges :D.

 

pete

Link to post
Share on other sites

today i received another letter from hsbc saying

 

I write in reference to a recent letter from the Financial Ombudsman Service.

I can see that you have requested copies of credit agreements from the bank and have said that you are unhappy at the time we have taken to respond.

Please find copies of signed agreement forms for your personal loan, credit card and flexi-loan. Regarding the overdraft facility that existed on your account, it was agreed over the telephone and no signed agreement was required.

I would also like to apologise if this information has not been provided as quickly as it should have been. I would be grateful if you would contact the Financial Ombudsman Service and let them know that the bank has now sent you the necessary paperwork.

 

This was only a small part of the reason why i contacted the financial ombudsman. i have an ongoing complaint, and they wont address it, so i will now need to send hsbc another letter telling them to read through my previous correspandance and get it sorted. Ever noticed how, hsbc deal with the problems they can, and ignore the rest?!! again, as soon as we can work out how to upload copies of the agreements i will post them for some advice.

Link to post
Share on other sites

Regarding the overdraft facility that existed on your account, it was agreed over the telephone and no signed agreement was required.

 

 

overdraft facility? what overdraft facility? is this the one where i have stopped using my account because as soon as i zero the balance they remove another charge so i transerred verything to another account and i am now overdrawn by £200 purely from charges!!! i dont rememer discussing it over the phone, or them agreeing to give me an overdraft

Link to post
Share on other sites

Write back and tell them you cant contact the Financial Ombudsman Service and let them know that the bank has now sent you the necessary paperwork because they haven't :).

 

HSBC run this silly formal/informal overdraft system if you ask for an overdraft its formal if you don't and your account goes overdrawn then its informal. It's meaningless twaddle :-)

 

pete

Link to post
Share on other sites

Write back and tell them you cant contact the Financial Ombudsman Service and let them know that the bank has now sent you the necessary paperwork because they haven't :).

i like it!!:lol:

HSBC run this silly formal/informal overdraft system if you ask for an overdraft its formal if you don't and your account goes overdrawn then its informal. It's meaningless twaddle :-)

 

pete

why doesnt that surprise me, if there's one thing hsbc likes, its meaningless twaddle

Link to post
Share on other sites

well, we've spent ages trying to attach the scanned credit agreements, but no success, tried this photobucket thing, but cant make head nor tail of it. dont know what we're doing wrong, but hey, thats why neither of us work with computers!!

Link to post
Share on other sites

anybody with any suggestions how to post these credit agreements? i need to sort it now, because i am desperate to get hsbc to accept my reduced payments.

 

at the moment they keep trying to take them out each month and then banging a charge on, which doesnt matter too much in itself as i dont use the account any more and will eventually get around to reclaim the charges- which will basically put the account back to zero. both mine and my ohs accounts are now overdrawn by the exact amount in charges we havent got around to claiming, yet!

 

when i pointed this out to somebody at hsbc, i was informed, you have now made three claims against us, if you try it again there will be severe repercussions for you! with hindsight, i perhaps should have left longer between claims and done them all in one, but i was so desperate for cash that i did two claims for £100ish as soon as they had been taken.

 

the trouble i am having is, that i am approaching a default and would really like to avoid that if at all possible, but until they accept my offer, i am stuck, so i could really do with some advice regarding the agreements. they look fine to me, but if somebody could find ANYTHING at all that i could use as a bargaining tool, it could mean the difference between me regaining control of my finances, or slipping deeper.

 

as i may have mentioned before, we are only in this mess because my oh was ill for a very long time, but he is better now, and we can start to repair our finances if we could just get the chance to actually stop the cycle.

 

sorry about the long winded rant, i just wanted to clearly explain the situation. i am not trying to avoid payment, i just want to slow things down for a short while to get us back on our feet, and hsbc clearly dont feel the same way.

Link to post
Share on other sites

Have you got a photo bucket account. If you haven't sign up (It's free). Once you have signed up, you will need to be in the "my album" section. On the right hand side, you will see an upload box. As you have said you have scanned the agreements on to your machine you will need to make sure you are in the "images from my pc" part. then click on browse and find your scanned images. If there is more than one image you will need to use the other "browse" buttons. then all you have to do is pres "Upload". Once your images are on the site you will then be able to copy them on to a post here. To do this, find the image, right click your mouse, select copy, go to your post on CAG, press right click again and then paste.

 

If you have any problems, just shout

Link to post
Share on other sites

On the photo bucket site with every photo you choose, there is a choice to copy as an IMG (for forums). Left click on the one beside your image and you should get a little pop-up which says 'copied'...

 

Then just go to the forum and paste it in......... :)

 

 

PS Freaky , have you seen Pete's last post on his own thread - he's thinking of going somewhere else and we can't afford to lose people like him.......... :eek:

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

Link to post
Share on other sites

 

PS Freaky , have you seen Pete's last post on his own thread - he's thinking of going somewhere else and we can't afford to lose people like him.......... :eek:

 

i've just read it.... whats happening, why is everybody so upset? CAG used to be so happy, yet everywhere i look people are upsetting each other.:(

Link to post
Share on other sites

Hi Lolly. I am hoping it is just a blip. Everyone has their off days and yesterday seems to have been a bit of a bad one for quiet a few.

I am sure things will retun to normal service before long. This really is one of the friendliest forums I have ever seen and has a strong sense of community. I think it is that sense of community that will see it through this rocky patch.

We will all laugh about it soon.:D

Link to post
Share on other sites

Hi Lolly,

 

Did the other bit work OK? Or haven't you tried it yet.........:cool:

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

Link to post
Share on other sites

Hi Lolly. I am sure things will retun to normal service before long. This really is one of the friendliest forums I have ever seen and has a strong sense of community.

 

thats exactly how i feel. CAG has become a life line to me, its not just the problem solving, its knowing that we are all in this together. you join CAG dreading the postman coming, and end up feeling strong and fully prepared for what may be thrown at you next. i have learned so much, and i am so grateful for all the support and advice i have received, and if i can pass even a small portion of that on to somebody else, i will be a very happy lady.

Link to post
Share on other sites

Hi lolly. Buller has just forwarded your emal to me but the file type is not recognised for some reason. Can you try saving the scans to another file type or word document? If you can see them on screen can you copy and paste them and put them directly on to a post on here?

Link to post
Share on other sites

What is the file type Freaky?

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...