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    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
  • 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

Finance Agreements


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quick comment

 

if an agreement does not contain all the prescribed terms, a creditor cannot enforce the agreement.

 

if it goes to court what are the chances of a judge making it enforceble where its the creditors cock up

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If there is no CCA and the judge agrees there is a debt, surely they cannot include interest and charges in the debt as only the basic debt, sum borrowed, would be the debt enforceable if you can understand what I am trying to say.

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check my halifax no cca thread

they have addmitted they have no cca

 

my agreements ref welcome finance do not contain the prescribed terms and have not been filled out properly, plus using wilson case

what is the likely outcome

worried court might enforce the not properly executed agreement

waiting for court date with welcome

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  • 4 weeks later...

I Was Accepted For A Capital 1 Card, I Must Say The Intrest Was 29.9%

Six Months Ago They Put It Up To 35%

The Credit Limit Was £200

My Point Being Is I Have Had This Card For 1.5 Years And The Credit Limit Has Never Gone Up.

The Only Reason I Use This Card Is The Positive Markers With The Cra As I Have Never Missed A Payment

I Have 2 Defaults Outstanding Which Is Going Through The Courts To Be Removed, Do You Think This Is The Reason For No Increase

I Am Now Very Careful With Money Now As I Have Learned My Lesson And Would Be Good 2 Know If My Credit Standing Has Improved And When The Credit Limit Increases Will The Apr Reduce

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Hi Post,

 

I got a capital one card for improving my credit rating too, they told me they would increase credit limit after 4 monthly payments, I have made 3 so not sure if they will or not yet.

Are you making the minimum payment only? Your balance never really goes down with min payments so that could be why they are not increasing your credit limit.

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its only £200, and pay in full each month

good to hear from you again

one more month and my dealings with welcome are over, mind you they are getting rather nasty

how are you getting on with them

 

pm me

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My Point Being Is I Have Had This Card For 1.5 Years And The Credit Limit Has Never Gone Up.

 

I've had mine for 3 years and not seen an increase despite being told that the account is regularly reviewed. However, the SAR shows no sign of automated or manual review. Waiting for a response to my letter now.

The advice I give in relation to benefits should be viewed as general advice and not specific to your individual claim circumstances. I cannot give specific advice on your claim as I cannot access the claim.

 

If you find the advice useful please click on my scales.

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postggj

 

I lived in Florida for 5 years and had a Capitol One card there. After 18 months they increased my APR from 12.8 to 35% for 2 LATE..not missed, payments, over a 12 month period. I cut the card up after settling the bill.

 

Simple.

 

Just~Me

Please dont think the picture is me.!!! I couldnt find one of myself so decided to use one of the wife. :):)

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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on wed i was involved with a very minor bump with a invalid scooter

the facts are i was revearsing out of my drive. i checked that it was clear, looking over my left shoulder started to revearse, very slowly i felt a slight bump and stopped.

when i got to the rear of my car there was an old lady on one of these scooters. thank god she was all right and no harm done. i did the right think and left my contact details and she rode off.

yesterday i got a phone call from the police asking about the accident. the copper just advised me to call my insurance company and take my insurance cirtificate to her.

what i would like to know is as there was no personel injury why did the warden at the sheltered accomodation call the police.

they are saying the steering rack is damaged.

when i drive on the road i have to have insurance, what is the legal position whith people driving these things on the highway

apparentl;y she has insurance but this is for theft as i believe

as the highway was clear when i reversed she must have been moveing at some speed or had stopped directly behind me. these things are so low down it would have been impossible to see through my rear mirror.

i am just glad no harm done but what are the legal postion involving these vehicles on the highway

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It is legal to ride them either on the road or pavement.

 

From the Highway Code:

 

Remember although it is legal to ride all vehicles on the road, it is not always safe or sensible to do so. You are responsible for your own safety and that of other road users. The normal rules of the road apply - but modified.

Observe the law

Never drive against the traffic

Give way where cars would give way. Give way to pedestrians

Obey Traffic lights and all other road signs and signals and remember the car you can see when you look behind you is almost certainly moving faster then you, It could well be upon you before you complete your manoeuvre and it may not be able to stop in time.

 

Having said the above, there seems to be conflicting advice. This is from the law center at Exeter University:

 

Class 2: Scooters in this class are to be used on the pavement only and have a maximum speed of 4mph.

 

So you will need to have a look at the 'definative' regulations. I don't have time now.

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