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    • The reason for the photos is to show you weren't displaying a permit.  They are supposed to check that the permit hadn't fallen off the dashboard. There is no point in appealing to PPM.  The very people who deliberately set up the site with rubbish signage to catch motorists out are highly unlikely to find against themselves. You've said several times that you think the company who you met with called PPM in so these are the people you need to contact in writing to request they call PPM off.  Until you do so we're going round in circles. If you don't want them to have your e-mail address simply set up a secondary e-address.  
    • Please see attached redacted judgment for further infoVWFS (UK) LTD - Salisbury CC - Judgment - 20240507 V Final _copy redacted.pdf
    • 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. 
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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.
      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

Unenforceable Credit Card/Loan Agreements


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thanks for reply.

 

if our loan amount was for 25k, will we still qualify as its right on the threshold?

 

 

Sorry, I am not sure, you need to seek advice

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HI, Hve checked said websites, didnt find the answers to all my q's. dotn know if any moderators can help out? or advise of other posts for me to check and read up on? ever so greatful.

 

have sent off CCA letter today to nationwide. and am thinking to do the same to those **&^%S at HSBC for my managed loan too, seens as thyre not takign seriously my repayment offer and hardship case seriously.

 

does anyone know if the CCA1974 act would also apply (same rules) to a 'managed loan' as to an ordinary loan.

 

P

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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Hello All,

 

Thanks to everyone whose posted their comments on this forum, I have found it very useful.

 

I have done alot of research on companies that claim they are able to make your oustanding credit card and loans balances unenforcable.

 

Results of my research: So far, there are only 2 companies with a 100% success rate with every related case they take to court. One seems to be better than the other but I won't to into details right now. Each credit card or loan is treated as a separate case. These 2 companies both charge between £300 to £500 for each case. But if they decide to take your case to court, they GUARANTEE 100% success rate. If after considering your case they see that there is even a 1% chance they will not win the case, they do not proceed to the court and they FULLY refund whatever you have paid.

 

The processing times for Credit cards is 3 to 6 months. For Loans, its 6 to 9 months. It is quite a long time in my opinion but then most certainly worth the wait because if they decide to take your case to court, then they gaurantee 100% rate of success. The great thing about them as well is that they keep you posted with thier progress every step of the way.

 

I graduated from Uni last year with about £11,000 worth of personal credit card debts. Now I'm on my way to being debt free which is just amazing. This company has been true to their word. I am currently awaiting judgement on the BarclayCard credit and HSBC Credit card.

 

I hope this helps.

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well they untill the 13th august to respond- lets see what happens.. will keep you posted and probably no doubt come back with some more questions then! cheers Pete

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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hi all, i have recived my letter form nationwide on friday last week (so within the time limits) but my question is - how do i know what they have sent is correct under cca1974. i have recived a photocopy (black n white) of a loan sheet (one page) has both my and my wifes signatures and someone form the banks signature. is this correct, and have they duly obliged? theres also a schedule of what we have paid to date with interest and the dates payments made etc. i have a feelign they have properly obliged here - but if someone can let me know... or if theres anything else i need to look for/check/do etc would appreciate any advice.

 

i can post up a copy of the agreement if needs be?

 

Pete

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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bump?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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hi all, heres a copy of my CCA letter response from nationwide, does anyone know if theres a proper nationwide thread relatign to loans/cca letters...

 

can anyone please spend a minute and put me and my wifes plea for help to bed.... were misearble with this and its cuasing so muich heartache and stress for us both... i have a feelign they have played ball and fully complied... i just need to know if this is enforceable

 

thanks guys really appreciate any help with this.

 

hope my attachment insertion has worked, first time tryign this..

 

 

loan agreement for nationwide.jpg

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=11622&stc=1&d=1250259356

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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help......anyone, really need to know something on this, wife is freakign out, as am i... need somthing to be abel to go back to them with ... but dont know where we stand?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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help......anyone, really need to know something on this, wife is freakign out, as am i... need somthing to be abel to go back to them with ... but dont know where we stand?

 

pdaddy

 

Chill Chill, start a new thread with your details and somebody will be along.

 

Good Luck

 

Mr W

Regards..Mr Worried :)

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  • 4 weeks later...
  • 1 month later...
Because tjdaz is using EDIt (he writes) and suggested that we lok at the website

 

You would'nt make a detective....tjdaz is phishing for business touting a company which no doubt he work for.mr ton is a mod/admin ( I think ) and rightley so has moved the Info from the site...simple really.

 

Hope that clears things up a bit for you.

 

Mr W

Regards..Mr Worried :)

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Most of the companies touting on this forum don't have a licence, they are not monitored by the FSA. When things get tough they normally leave you to fight off losing your home. We have seen this so many times on this forum. If you need help in claims or defending claims against you, get professional help.

 

I have just tidied this thread up. . . please don't hijack this thread.

Edited by ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Hoi geoffthecheff....with a CHIP on your shoulder..

 

Your comment is a disgrace and I will suggest to the mods that you be removed from the forum..

 

Did you tell your daughters boyfriend ( YOU BORROWED THE MONEY PAY IT BACK) RE your post Nov 5th @ 19.23.

 

You need to sit in the corner and have a word with yourself, and keep your negative comments for you and your 'friend'

 

Hope it rains over you today.

 

Mr W

Regards..Mr Worried :)

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