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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?    
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      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.  

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

      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.
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      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
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Cohen & my property


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Well it would probably leave Cohens open to be sued by the new owners as they are not involved, plus an action by you for a breach of the Data Protection Act.

 

Breach of data protection with/to whom???

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Not sure that this is how I should be writing this:

 

Thank you for your letter dated 31st march, 2010, addressed to me at xx xxxxxx. This letter was only passed to me on xxxxx2010 hence the late reply. I have not lived at the above property the former matrimonial home since xxxxxx, 2009 following the breakdown of my marriage.

 

Following previous court hearings & the claimant failing to comply with the court dated 31st xxxxx 2008 & failure to attend court on the 8th xxxx 2008, District judge xxxx dismissed the application for the charging order. (see enclosed copy)

 

I then contacted the claimant to have the entry removed from the Land registry who sent a letter acknowledging that would be complied with (see enclosed )

 

Land registry sent a letter acknowledging that the restriction had been removed from the register by the claimant ( see enclosed)

 

I am now longer an owner of the above property . The claimant should have sent a copy of the Interim Charging Order and Affidavit to all those with a legal and/or beneficial interest in the property, ie the mortgage lender, I don’t have a copy of this and should this have been carried out the mortgage lender may have advised that the property was to be sold.

 

 

. don't know how to finish this letter off any suggestions???? please

Edited by ginnever
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On a more serious note you could finish by asking that they inform you of their future intentions.

 

The court date is very imminent also, & I am unable to attend due to work commitments should I say that I will not be attending ?

 

by the way I am faxing the response in the morning to both hc & the court

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Ginnever, It concerns me that you still haven't contacted the Court yet to verify that there is a definate action, Cohen's are renown for making up letters. Your thread gives no indication of any correspondence from the Court or from the Land Registry, which indicates to me that Cohen's are up to their usual tricks to scare you into paying. A phone call to the Court is all it takes.

 

I also notice that you still haven't done anything about the original CCJ. I know what you're saying about you don't believe CL own the debt, but the CCJ still stands until such time as you take some action to overturn it. IT WILL NOT GO AWAY ON IT'S OWN.

 

Start by SAR to OC, lets see what they've got, then we'll take it from there. As regards posting your documents on here, either buy a copier for as little as £50 or take half an hour out and visit your local library to use the facilities there.

 

But please phone the Court to verify Cohen's alleged Court papers.

Edited by Mightyacorn
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Ginnever, It concerns me that you still haven't contacted the Court yet to verify that there is a definate action, Cohen's are renown for making up letters. Your thread gives no indication of any correspondence from the Court or from the Land Registry, which indicates to me that Cohen's are up to their usual tricks to scare you into paying. A phone call to the Court is all it takes.

 

I also notice that you still haven't done anything about the original CCJ. I know what you're saying about you don't believe CL own the debt, but the CCJ still stands until such time as you take some action to overturn it. IT WILL NOT GO AWAY ON IT'S OWN.

 

Start by SAR to OC, lets see what they've got, then we'll take it from there. As regards posting your documents on here, either buy a copier for as little as £50 or take half an hour out and visit your local library to use the facilities there.

 

But please phone the Court to verify Cohen's alleged Court papers.

 

Still can't believe that not had any further documents from the land registry or the court's.. And would a company sent out all photocopies of documents even their own letter, which I would have thought would have been on original headed note paper.

At which point would Cohen's notify the Land registry, ie. that they are applying for the CO or when the CO has been granted??

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Still can't believe that not had any further documents from the land registry or the court's.. And would a company sent out all photocopies of documents even their own letter, which I would have thought would have been on original headed note paper.

At which point would Cohen's notify the Land registry, ie. that they are applying for the CO or when the CO has been granted??

 

 

This is my point, Cohen's have previous form for making up letters to look real. The fact that you have had no documentation from other sources rings bells.

 

Ring the Court this morning and confirm.

 

Did you save the envelope from Cohen's I have another action with that issue in with the Post Office

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No I didn't save the envelope.. but in my case don't think that would have mattered as I haven't been living at the property since last September when I fled the matrimonial home.. hence why I didn't receive the letter till later..

 

What do I ask when I ring the court?

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What do I ask when I ring the court?

 

 

Ask them for an update on Court Ref No ????????? the one Cohen's gave you, if they can't find it or they say it's been dealt with, that's fine. Also ask them if your name is listed for hearing on the date Cohen's have given for court. We'll then take it from there.

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No I didn't save the envelope.. but in my case don't think that would have mattered as I haven't been living at the property since last September when I fled the matrimonial home.. hence why I didn't receive the letter till later..

 

 

The reason I asked about the envelope is to do with the franking on it. I can't say too much but there is an issue of interest to the Post Office

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Yes I have spoken to the court & they inform that that all the relevant parties ie mortgage lender, etc, have been informed & that was on the 6 4 10. the lady at copurt informed me that I didn't need anything from the court.. my house was sold on the 14.04.10 so this should be intresting

 

I have faxed all copies to the court & to HC

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Yes I have spoken to the court & they inform that that all the relevant parties ie mortgage lender, etc, have been informed & that was on the 6 4 10. the lady at copurt informed me that I didn't need anything from the court.. my house was sold on the 14.04.10 so this should be intresting

 

I have faxed all copies to the court & to HC

 

 

For once HC have got the paperwork right, but too late. Are you going to Court?

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yes hopefully .. don't see how they can attach a CO order thou..

 

 

Make sure you are in Court, then you know exactly what is going on, I know you have told the Court and Cohen's about the sale having gone thro' but I wouldn't put it past Cohen's to try and get some sort of order regarding the proceeds of the sale (I don't know if they can or not but you don't want to find yourself in any worse position).

 

Once the hearing is sorted out, we'll help you sort out the original CCJ.

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Thank you, just hope I can get the time off from work..

 

They can ask for proceeds of sale, but what I got has paid off debts and I still have some debts remaining.. so don't know what they gonna get.. Can't understand thou why they never sent bailiff or any letters during the period before going back to court again?

 

Debt has cost me dearly, think that Debt skills should be taught in school..

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been to court & their solicitor had a word with me, informed him prior to seeing the judge that the house has already been sold.. he then contacted HC who said that they already knew.. and he was to withdrawn.. and to go for costs from me.. well he tried to go for full costs but the judge only allowed the court costs..

 

The debt is still there where do I go now???

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They asked you for Costs despite you having told them well prior to the hearing !!!!!!

 

Right, you need to SAR the original lender, who I think you said was GE Money.

 

You need to ask them for copy of agreement, Default Notice, Deed of Assignment and Notice of Assignment.

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Yes I think it was £265.00.. The judge only awarded the court costs of £105.00

So I write to the original, yes it was GE Money. I thought that before I had done all this, but it might have been to when Cohen started that I asked for all the original documents & they said that they didn't have to disclose the information..

 

Can you lead me to the letter/template that I should use.?

thank you

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Post #2 is what you need, adapt it to your own personal details:-

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/190251-subject-access-request-template.html

 

Make sure you ask for copy of agreement, Default Notice, Deed of Assignment and Notice of Assignment.

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