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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

H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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The papers email us almost weekly for cases like the one you have mentioned - each week we put people in touch with them.

 

They only publish articles about it when there is no news and very rarely give it a decent position in the paper - the Guardian were the exception to this rule.

 

We used to be able to do just as you suggested, and indeed did so, but now as far as they are concerned the bank charges issue is old news. It may not seem like that to us on here, but the papers barely give it lip service these days.

 

Josh - the HSBC have tied you into a contract saying that you cannot move bank accounts? That sounds like a breach of the UTCCRs to me.

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Alan from Derby had a whole list of hardship cases that we collected that had asked to be dealt with outside the court system - what happened to them?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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It does not cost much money to call the say for example mail and say " we have a hardship case that has had their case refused despite the terms of the waiver - they have given us permission to give you the details"

 

have you ever asked the FSA how many hardship cases the banks have identified and have had help since the waiver?

 

My mum had 2 small claims (sent off in the same envelope) that went down the hardship route with Halifax. They accepted the one for £15 and turned down the one for £100! Is that cynically trying to boost your figures or what?! I was stunned. :lol::lol::lol:

What sort of world do you want your kids to grow up in?

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Well why dont we produce letters - emails to send to every news desk in the country.

 

Spread the word on other forums.

 

 

An article in a National Newspaper outlining consumer groups intentions might be a start.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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I no dave but my english is crap and i only shout at these people when I get on the phone.

 

I asked them to shut my account down and they said not with an overdraft of a grand and a bit.

 

I'l start a different thread on this.

 

...............

 

Yes I think they do think it is old news Dave. But if enough of us email them they wont.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

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The Guilty:

 

Abbey National plc

Barclays Bank plc

Clydesdale Bank plc

HBOS plc

HSBC Bank plc

Lloyds TSB Bank plc

Nationwide Building Society.

Royal Bank of Scotland

 

Should you have an account with any of these, it would be strongly recommended that you visit your local branch tomorrow and request closure of your account. direct debits etc can be transferred to another bank that is not on the list, and most new banks will be more than happy to smooth this process for you.

 

I'll be visiting my HSBC branch tomorrow. I'll probably be looking at moving to Co-Op.

 

I would suggest you vote with your feet and do the same.

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Alan from Derby had a whole list of hardship cases that we collected that had asked to be dealt with outside the court system - what happened to them?

 

Those are held in a database ready for when the press ask for them - they are regularly given to the press (with express permission of the case), yet as I say, as far as most of the press is concerned it's old news.

 

Most of the press requests we get now are from localised news - Radio Cornwall, The Weekly S****horpe Gazette etc...

 

It's only when something big happens that the 'big' press want info from us.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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The Guilty:

 

Abbey National plc

Barclays Bank plc

Clydesdale Bank plc

HBOS plc

HSBC Bank plc

Lloyds TSB Bank plc

Nationwide Building Society.

Royal Bank of Scotland

 

Should you have an account with any of these, it would be strongly recommended that you visit your local branch tomorrow and request closure of your account. direct debits etc can be transferred to another bank that is not on the list, and most new banks will be more than happy to smooth this process for you.

 

I'll be visiting my HSBC branch tomorrow. I'll probably be looking at moving to Co-Op.

 

I would suggest you vote with your feet and do the same.

 

I think this is an excellent idea. I can see very little wrong with it, however if others can, please let me know.

 

I'm about to start a facebook group calling for just this - it's very viral and should reach a very large audience in a very short space of time.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Is everyone in agreement that the Co-op is the best of a bad bunch?

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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It's only when something big happens that the 'big' press want info from us.

 

With the current economic climate and the very real threat of hard times ahead - these will once again become 'big' stories - patience everyone, this story has not run its course yet as far as the press are concerned. It will be back as a main news story as more and more suffer (regrettably) and we will enjoy once again the media coverage of 2006/2007. But keep plugging away even at a local level.

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spilling
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I would not say the best but they are ok I guess.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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The Co-Op seem a fair bunch. I haven't heard too many complaints regarding them, and they've been fair to my parents for a long number of years.

 

If you have you wages paid into any of the offending banks, cease it immediately and have your wages paid elsewhere. If everybody does this, next time payday comes, the banks will notice a large drop in revenue.

 

If they challenge you on overdrafts, hold your ground and put the account into dispute. You only need to claim for 1 pound of unfair charges (which'll cost you 25 quid with MCOL) and they can't request any of the overdraft back until the outcome of the case is determined.

 

Therefore your overdraft will be frozen, whilst you skip of to another bank with your wages.

 

Maybe we should publish a dummies guide to p***ing of the big 8???

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If your going Co-op I would suggest a Cashminder account. I would open one of these for my clients without hesitation.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Indeed we will keep plugging at every level. There's been quite a lot of movement so far and there's no sign of the campaign letting up any time soon.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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The Co-Op seem a fair bunch. I haven't heard too many complaints regarding them, and they've been fair to my parents for a long number of years.

 

If you have you wages paid into any of the offending banks, cease it immediately and have your wages paid elsewhere. If everybody does this, next time payday comes, the banks will notice a large drop in revenue.

 

If they challenge you on overdrafts, hold your ground and put the account into dispute. You only need to claim for 1 pound of unfair charges (which'll cost you 25 quid with MCOL) and they can't request any of the overdraft back until the outcome of the case is determined.

 

Therefore your overdraft will be frozen, whilst you skip of to another bank with your wages.

 

Maybe we should publish a dummies guide to p***ing of the big 8???

 

I like it. Are you volunteering?

 

It may not be for here, but we can certainly publish elsewhere.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Give me until Monday and I'll get it sorted.

 

had said I wasn't going to write no more poems like this

I had said I wasn't going to write no more words down about people kicking us when we're down, about racist dogs that attack us and drive us down, drag us down and beat us down but the dogs are in the street...

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Excellent.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Dave whilst I applaud your efforts re boycotts & face-book I would mention that I doubt you'll be speaking to many of the like minded. Such a blog will almost certainly attract crass comment from those other members of FB presently unaffected by penalty charges.

 

Therefor may I make the following suggestion.

 

It is my experience that the best way to bring our disquiet with the situation to the attention of the establishment would be to organise a mass lobby of our MP's at Westminster.

 

I think this would achieve two things. Firstly it would place our cause again into the media spotlight and second it would allow us to express directly to our MP's (therefore the establishment) the feeling of discontent we feel for the way we are being treated.

 

It's my belief that when in the past such groups have organised themselves in this way they appear to have achieved more success than with any other form of organised protest

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Cashminder account @ the co-op

 

The Co-operative Bank | Cashminder

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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I agree, perhaps off topic though. The time has come for the gloves to come off with regards to petrol, but that's another story.
and dont forget us low earners nearly on the breadline through this government just hope they lose tomorrow.did you know you can air your views on no10 website.
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That is true. I agree. But after starting this site nearly 3 years ago, I have learned one thing at least: that is, that for the most part MP's do not care.

 

My MP for instance has considerable shares in LTSB. Many other MP's also have shares in one of the big 4 (very easy to find out as they are in the register of interests).

 

Now many will say that it should not cloud their judgement. It shouldn't - that much is correct. But we are talking about people who have been lining their pockets with our money for years - this pittance is nothing to them, and they will not harm their self interests as has been seen many a time on the news - and that's only when they are caught out.

 

I do feel that there are a few MPs that got into that game for the right reason - and some still feel that way. Some.

 

There are 274 bank charge related groups on Facebook - with an average of 1100 members each. I admit that there will be a lot of cross-overs. But if there were not (and there is no way I can work that out without access to the facebook database), that would mean over 300,000 people who *may* be interested in changing bank accounts from the main offenders.

 

Of that we can reasonably expect maybe 2-10%. It's enough to send a message.

 

In the past, when I used to have have a bank account and I changed to another, I was asked why. They probably have a database of the reason why people change bank.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Cashminder account @ the co-op

 

The Co-operative Bank | Cashminder

 

When I first heard about this account, I was told there was no credit check, so should be no problem anyone going for it. (unsure if that position has moved!)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

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When I first heard about this account, I was told there was no credit check, so should be no problem anyone going for it. (unsure if that position has moved!)
we have credit union in dorset i might switch to them.
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That is still the same locutus.

 

That is why I recomend them to people with CCJ's and who are over £220,000 in debt.

 

If you have a problem opening an account with these people your doing something wrong.

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"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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