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    • I used to have a retail outlet in London selling my husband's photography.  We also had a co-op with staff so they weren't directly employed by me, but I paid for the other overheads etc.  When my husband died, I carried on as usual for a while but then I became ill and moved quite far away so logistically was becoming very difficult.  I came to an arrangement (verbal) with one of the guys I trusted, that I would send him the images to print and sell as normal, and I wouldn't take any money, as a short term solution until I got back on my feet and worked out the best way to do things. He would pay all the  rent, insurance etc... Over a year later, not able to give things away for free anymore,  I drew up a contract as a wholesale agreement, so I would get everything printed and sent to him and I would invoice his for what he ordered. I noticed form the beginning that he wasn't ordering enough or frequently enough to be making any money, and was suspicious he was doing his own orders on the sly and ordering just enough from me to keep my happy.  I checked with my printer, which I've been with for 20 years, and he sad he wasn't getting orders for my images from anyone else. I emailed a few other printers to ask them to keep a look out for some images but I soon realised this would be impossible to police.  The only option really would be to buy a print from him and check the stamp on the back of it.  I finally managed to get hold of on the prints on sale, and sure enough, he did not order it through me.   In the contract he signed in 2022 it explicitly states that he must destroy all files I had previously sent him etc etc so e is in breach of that.  When I drew up the contract, I was careful to make sure it was legally binding, but before I let rip at him, I need to know where I stand.  The contract is here: PARTIES This WHOLESALE AGREEMENT (“Agreement”) is made effective as of 30th June, 2022, by and between ############################## The Supplier and the Client, collectively referred to as the "Parties," hereby agree to the following terms: TERMS AND CONDITIONS SALES OF GOODS The Supplier agrees to provide the following goods to the Client (“Goods”): Description of Goods ################################# Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b BOTH PARTIES AGREE: The Client purchases the Goods through the Supplier directly, and agrees to delete/destroy any previously held digital images (Goods) owned by the Supplier, and agrees not to use any such files for monetary gain, outside of this agreement, either directly or through a third party from immediate effect of this agreement. The Client purchases the other materials necessary for resale of the Goods independently of this agreement. The Client shall have exclusive rights for resale of Goods at ###########, and also with permission, as a retailer of the Goods elsewhere, provided that there is no conflict of interest between the Supplier and the Client. The Client is free to decide their own retail prices, for the Goods. The Supplier shall use #####  to provide the printed Goods on Fujifilm Crystal Archive paper, with Lustre finish, and will not use any other Printer unless #### cease to trade, without prior approval from the Client. The Supplier shall not impose restrictions on size or frequency of orders made by the Client. The prices provided by the Supplier shall not increase for a minimum of 3 years, unless the prices of the raw materials rise, in which case the client will be informed immediately. Any discounts/promotional prices of raw materials shall be passed on to the Client by the Supplier, and the invoice will show adjustments for this, as well as credit for return postage of any damaged goods. This agreement can be terminated by the Client without notice; the Supplier must give notice of no less than 90 days, unless the terms of the agreement are breached, in which case, the agreement can be terminated with immediate effect. PAYMENT Orders must be paid for upon receipt of invoice, via Bank transfer: ######### Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b DELIVERY AND INSPECTIONS All orders received by 12.00am (midnight) shall be processed by the Supplier the following working day and delivery of order shall arrive in accordance with the Royal Mail schedule, or DPD, should express delivery be requested. The Client shall be liable for the delivery charge which shall be added to the invoice. The Goods will be delivered to the address specified by the Client. The Client shall be provided with order tracking, and should any problems arise with the ordering system or the couriers (Royal Mail, DPD), the Client shall be informed without delay of any such issues. The Client will inspect the Goods and report any defects or damage to the Goods in transit as soon as possible upon receipt of Goods, and will retain damaged Goods for return to Supplier for refund/replacement. GENERAL PROVISIONS CONFIDENTIALITY The prices of the Goods and other information contained in this Agreement is confidential and will not be disclosed by either party unless with prior written consent of the other party. INDEMNIFICATION The Client indemnifies the Supplier from any claims, liabilities, and expenses made by any third party vendors or customers of the Client. GOVERNING LAW This Agreement will be governed by and construed in accordance with UK Law. ACCEPTANCE Both parties understand and accept the wholesale arrangement stipulated under this Agreement. Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b IN WITNESS WHEREOF, each of the Parties has executed this Wholesale Agreement as of the day and year set forth above.   Signed by us both electronically.   I haven't broached any of this yet, and I am looking for some advice about what action to take.  The main issue I've got is that he has still go those images.  If I terminate the contract, I will need to know that he no longer has those images and I can't think of a bulletproof way to do this. I'm thinking I might tell him I will continue with the contract but ask for a  sum in damages and say that if I find out he's still doing it down the line I will terminate the contract and sue him for damages. The damages side of things I'm not sure how it would work as he is self employed, and I'm positive he doesn't declare all of his earnings to HMRC, in order to find out how much I have lost, would the court demand to go through his tax self assessments?  I'm not sure how to proceed with this, I don't want to lose that place as an outlet as it is in a prime spot in London, which is why I let him have those images in the first place as I would have had to pull out altogether at that point.  I am regretting it somewhat now though.  Please help.
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Barclaycard/Mercers insider info - probably valid for other DCAs


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I would like to add to this thread by stating that though very informative it's not the full picture.

 

Barclays may not take anyone to court themselves but what they do do is they sell the debt (allegedly) & let someone else take the debtor to court. They even include in their sale of delinquent debt debts which they know are time barred

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I have read your replies and would like to express thanks for taking time to reply. I will follow your advice and I am also starting new thread - New Member 1stCredit and other DCA issues - would be very grateful if you could take a look sometime. Also, as work Mon, Tues and Weds I will probably not have much time to visit forum until Thurs, so if you leave posts and I do not reply please be aware that I am not ignoring you;-)

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Hi Rock n Roll, I've just got some stuff back from Barclays as part of an S.A.R - (Subject Access Request) request and wondered if you could translate something for me, as it appears on the statements of three accounts they've sent details of.

 

This is it.....CHRGOFF PRCH PRIN BALM and then it shows a nil balance outstanding.

I'd be very grateful if you could explain it to me.

All the best, Patma

 

Patma - did you get back to Barclays - I got the same thing from them but I was surprised that they even had these statements on because it is well over 6 years since I have been in contact with them.:mad:

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Hi Allwood,

 

This I think refers to the US 'Charge Off' system that roughly equates to a default (the amount is 'charged off' the balance sheet of the creditor.

This shows that the main balance for accounting purposes is zero.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Probably just the software they use. Unless someone knows different?

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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hi all, this is my first posting on here, im after some advice please. a while back i was defaulted by Barclaycard, they then sold the debt to HFO services, who on the same date also defaulted me?

 

i have asked them for statements so i know exactly what im paying but so far they are refusing!

 

my questions are:

 

can 2 defaults be helt for the same thing? and can i remove one befor i talk to HFO?

can HFO default me without any agreement with then signed?

 

ive now asked them for a credit agreement before i go any further, and ive never agreed any amount with them

 

where do i stand? i asked them for copy statemants, they sent me the last one showing 778 owed to barclaycard, barclaycard default is 1370.00

HFO same but in letter today they are asking for 1687.82???

what do i owe?

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You really need to start a thread of your own with this, John... Before you do though, was that a request for a copy of your agreement using a template from this site... and did you send it by rec. delivery ?

 

If not, then it will need to go off again....

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hi all, this is my first posting on here, im after some advice please. a while back i was defaulted by Barclaycard, they then sold the debt to HFO services, who on the same date also defaulted me?

 

i have asked them for statements so i know exactly what im paying but so far they are refusing!

 

my questions are:

 

can 2 defaults be helt for the same thing? and can i remove one befor i talk to HFO?

can HFO default me without any agreement with then signed?

 

ive now asked them for a credit agreement before i go any further, and ive never agreed any amount with them

 

where do i stand? i asked them for copy statemants, they sent me the last one showing 778 owed to barclaycard, barclaycard default is 1370.00

HFO same but in letter today they are asking for 1687.82???

what do i owe?

 

NO they cannot default you twice for the same debt & it's against OFT guidelines to do so - but they do - why - because the lazy buggers at the likes of Barclays can't be bothered to get off their butts & remove their default after selling the debt - why should they care - your only a feckless debtor who's rights can be ignored - aren't you:mad:

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firstly johnbrigs,YOU DO NOT TALK TO HFO ON THE PHONE PERIOD

you send them a letter CCA. then SAR BARCLAYS then you will find you will need to send a letter for harrassment to HFOSCUM cause that is what you can expect next time they ring you start of by refusing to give them any details over the phone and quote them please write to my address if you wish to engage with me thank you and put the phone down also you need to get a phone type recorder to record all the HFO CALLS and with this you can then send directly to the ICO and trading standards cause if you are not sure yet you will be hassled at least five times or more daily

for other if you can direct him how to start a new thread or move his post to a new thread for him on their we can help him

patrickq1

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Hi all just fishing for info, some very interesting things in this post...

 

Good luck to all.

 

Remember "there is always a way... and you will find the right way..."

 

Regards. G

Thanks for caring... G

 

It's never as bad as it seems...

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Well, after a brief spell of silence from Mercers (2/3 weeks with no calls).... they started off again with a vengeance at the beginning of this week. This doesn't bother me in the slightest :rolleyes: ... since I'm usually at work anyway and only come home to find some "robot" telling me to "Please call Mercers, on blah, blah... which gets promptly deleted.

 

I am off this week though.... so I'm at HOME. Last night, there was "Laura" asking for me by my first name.... which is never what my friends call me anyway, so that's the first giveaway. She got very irate when I wouldn't confirm my surname and since I'm one of the calmest people on the planet (most of the time).... this seemed to irritate her further, until she finally hung up in temper. :D

 

Had one robot this morning... after unplugging the 'phone overnight... and one guy this afternoon, who'd already hung up before my daughter could pass the 'phone across. My call log is now on 2 pages and growing by the day.... a complaint has already gone in to Barclaycard and cc'd to Mercers, which they've effectively ignored..... so, it's going to boil down to who is going to get on whose nerves first. Maybe I'm strange.... but it's kinda amusing.... lol !

 

No CCA though.... tut ! :p

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  • 2 weeks later...

Barclays got a ccj against me for a credit card more than 15yrs ago. The first I knew about it was when I received the documents from the court telling me how much I had to pay. I must have been one of those that they were making examples of according to Rock N Roll:) .

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Thanks for this valuable info, Rock & Roll. I've just started taking Barclaycard to task for loading up my credit card with OL, LP charges etc. all caused by the charges they've applied to a debt I had agreed with them to pay off at £50.00 a month & had been doing so. Just applied for SAR & CCA & surprise, surprise, what's come back but a LBA standard drivel & of course, no CCA! I'll let you know how this progresses - maybe in 12 months (or longer!) time....;)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 4 weeks later...

Received my CCA from Barclaycard today. I think they'll be forwarding it on to HFO Services.

 

Unfortunately, Barclaycard haven't written off my debt and I doubt HFO will.

 

Is it worth me contacting Barclaycard and asking them to write off the debt?

 

leedsangel

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this thread is getting very ragged and slightly mixed up are there some on here who have not yet had any response to their queries if so please start your own thread and the more knowlegdable on here will help with some input to get you started leeds angel it may bot go to hfo but if it does can you post all your data to date keeping personal details off the thread then we will guide you through this murky world of dca

patrickq1

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Hi there, I need urgent help. I am being harassed through telephone and letters by Barclaycard(Mercers) and Cahoot. I would say Mercers are worse. I suffered back injury last year in August and since then I am working with reduced hours. I owe barclaycard £6500 and Cahoot (Loan) £5000. At first I contacted CCCS and according to their advice i paid token payment to both my creditors but then I had to contact Citizen Advice Bureau. CAB has done everything for me and distributed my left money to my creditors. Barclaycard has refused to accept my offer and asked to pay £70. How can i pay £70 when I work only two days and I have one dependent.

Mercers has threaten me a door collection recovery for which I sent a complaint letter to Barclaycard.

Now Mercers has asked to go back to CAB for Debt Management Plan. Mercers have already given my case to SCOTCALL an other collection agency. What should I do now as I am so frustrated. I have got exam and they are threatening me everyday.

 

Waiting for your advice . ASH

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Hi Ash..... you need to start your own threaad on this. Mercers are one of the worst for ignoring complaints about telephone harrassment. Your name is one of hundreds on a telephone dialler software programme..... so when you hear the space-age gap before anyone speaks, just hang up and they'll move on to the next person on the list.

 

If they do catch you however, just refuse to go through "security" and they'll have no choice but to hang up themselves. Don't have any more dealings with them on the 'phone....

 

Start your own thread and someone will find you to advise further.

 

:)

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Hi there, I need urgent help. I am being harassed through telephone and letters by Barclaycard(Mercers) and Cahoot. I would say Mercers are worse. I suffered back injury last year in August and since then I am working with reduced hours. I owe barclaycard £6500 and Cahoot (Loan) £5000. At first I contacted CCCS and according to their advice i paid token payment to both my creditors but then I had to contact Citizen Advice Bureau. CAB has done everything for me and distributed my left money to my creditors. Barclaycard has refused to accept my offer and asked to pay £70. How can i pay £70 when I work only two days and I have one dependent.

Mercers has threaten me a door collection recovery for which I sent a complaint letter to Barclaycard.

Now Mercers has asked to go back to CAB for Debt Management Plan. Mercers have already given my case to SCOTCALL an other collection agency. What should I do now as I am so frustrated. I have got exam and they are threatening me everyday.

 

Waiting for your advice . ASH

 

Hi Ash, if you start your own thread up, and put this information on it then your request wont get muddled up in an established thread. :)

 

 

click on this link

 

http://www.consumeractiongroup.c o.uk...tion-industry/

 

 

it will take you to the main Debt Collection Industry Forum. If you then scroll all the way down to the bottom you will see a button. "new thread" click on that and a new page will open up, you just give your thread a title.. "Ash against the world" or whatever .. type in your question and hit submit. :grin:

 

Edited by citizenB

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So getting back to rock n rolls original post. If you ceased making token payments to Barclaycard / Mercers then they would never take you to court and obtain a CCJ? Ride out the 7 years no payments rule and hey presto a clean credit record. All sounds too easy to me. Has anyone had any experience of cutting all ties like this. I have changed mobile and home phone number so only get the occasional letter which is manageable :-)

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Well I have reached the waiting for the seven years stage with about six different cards - with some of them I have heard nothing for at least 18 months:D. Barclaycard is one of them, although they were a tough nut to crack. That is on the basis that they didn't have a valid credit agreement, or in several cases they had nothing at all

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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