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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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    • 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.

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      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.
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      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

American express - CCA return + PPI Reclaim


intree
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I sent a letter to Amex in June to say that as they had terminated my account with a defective default notice (which they sent via the SAR) I will no longer be paying any money due to there unlawful termination.

 

They then offered me a 50% reduction to pay them 4500 within 14 days, I sent them another copy of the terminated account letter then received another letter from their DCA in preston asking for a settlement, that wa turned down too.

 

So not heard anything since June 2009, but today noticed that they tried to collect via CCCS, so i have sent a e-mail to CCCS confirming that they have terminated the account and should be removed.

 

That is where I am so just waiting to see what they do next, but they have no valid agreement and if they did then they have terminated it in 2007.

 

Hope this helps.

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Hi intree,

 

Thanks for the update, sounds promising! Good luck. Let us know of any developments. Take care,

 

Regards,

 

Colin.

Here are links to my other threads... Please take a look and offer any help you can. Thanks...

 

1. Legal Action - Cabot Financial (Goldfish Account) ***WON***

http://www.consumeractiongroup.co.uk/forum/showthread.php?252630-Urgent-Help-Required-With-Disclosure-***WON***&highlight=

 

2. Legal Action - Set aside application - Marlins/Phoenix

http://www.consumeractiongroup.co.uk/forum/showthread.php?265002-Set-aside-of-judgement-(acceptance)-help-needed&highlight=

 

3. Legal Action - Set Aside Default Judgement -Santander (B & Q Store Card)

http://www.consumeractiongroup.co.uk/forum/showthread.php?261340-Urgent-Help-required-drafting-defence-for-set-aside-application&highlight

 

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I have just received 3 phone calls from, RMA RESOLVE, indicating they have not received payments for Amex CC from me, told them that the account was terminated with a defective default notice by Amex and both them and Amex have been sent a letter to state this.

 

She did not know what to say, and just stated " Well we will see what my manager has to say about this", I told her not to call me again and to write to me to which she stated, if she wants to call then she will.

 

I am gob smacked - especially considering it is AMEX who have terminated the account - so any advice as to what may happen now?

 

thanks

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Thanks for that advice, They have called again and stated that Amex have stated the account is not in dispute and the default was valid, so I have informed them to let me know that in writing and they are getting no money until I have a response.

 

The man on the phone just slammed the phone down, after telling me that they will now take legal action, against me...............so I will need some advice as I am a little worried, but I am confident that they have terminated the account on the back of a 14 day default notice which their data compliance officer sent to me.

 

I am expecting Egg to be after me soon, as they have a defective agreement, and I have stopped paying, as well as Barclays who have no agreement so will expect some trouble now as CCCS have dumped me too.

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I have never heard of RMA taking anyone to court. If he slammed the phone down I expect he knows that they can't do anything and he won't be collecting his commission.

 

I don't know whether they will have terminated the account because they are insisting their default notices are valid. If they admit they are not they have lost the game completely.

 

DD

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  • 2 months later...

I have a credit card with Amex........

 

Stopped paying them as in 2007 defaulted with 14 days DN (defective) then terminated the agreement soon after in 2007.

 

Then went to RMA RESOLVE who called all the time, until I sent them the following letter:

 

I refer you to my letter (contents below) sent to both yourselves and to American Express, regarding the unlawful termination of my contract, therefore I owe no further monies under the said contract, please do not contact me again as this will be regarded as harassment and you will be reported to the appropriate body. I now await a written response before the matter proceeds further to these letters.

I understand you have received my letter to you which was sent via recorded delivery. You have failed to respond to this, all the letters will be submitted to the Court in due course.

 

 

I must inform you that this account has been terminated unlawfully, through a Termination letter and Invalid default notice which was issued for the above account with Amex.

 

 

I must now accept the unlawful termination of my contract with American Express.

 

 

Please stop all interest payments, payment collections and remove all defaults from my credit file within 10 days from the date of this letter, failure to do so will result in further delays in closing this matter and clearing the credit defaults you have listed in my files, for which I will take Court action to rectify.

 

 

I will also report the matter to the Information Commissioner for full investigations and the Financial Ombudsman Service.

 

 

I await your urgent response to close this matter and remove the defaults you have unlawfully recorded on my files and accept must now accept your unlawful termination of this contract.

 

 

A copy of this letter has been sent to the Data compliance officer at American Express and a response from your Company is now requested.

 

 

 

 

Yours faithfully

 

THEY DONT SEEM TO ACCEPT THIS:eek:

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UPDATE : Advise please.

 

I have this morning received a PRE-COURT DIVISION, letter from Moorcroft Debt Recovery Ltd, indicating that if I do not settle by 29/12/09 then they will instruct solicitors to obtain a CCJ and further recovery action will be considered :

 

As I have stated to them, I obtained by SAR in July 2009, after which I found they had issued a default notice in Feb 2007 (defective due to time limits) then terminated the account in Feb 2007, I paid up until the day I found out they had terminated the account, from the SAR in July 2009.

 

Sent them dispute letters, which resulted in this original post, I have now been contacted by these vultures and they again threaten court action and a CCJ.

 

I would appreciate all advice so that I can write back to them with the appropriate response as soon as possible.

 

Merry Christmas to all

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Yeah PRE-COURT DIVISION, is the same as VALID EVEN IF NOT READ BY YOU, this letter template is done by their PRE-SCHOOL department before it is passed to their PRE-POSTAGE department.

 

Moorcr@p are extremely comical, with all their PRE this and PRE that, ignore the fools. all you need to send them is the LBA DPA s10 http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980

 

Moorcr@p have one of my 'alleged' debts totalling some 16k, they are the most inept, uneducated, and unprofessional company I have come across, save RobbersWay, Bryan Carter and a few others.

 

It is an empty threat, there is no PRE-COURT DIVISION, they are deluded and like to make themselves sound special and important, I would seriously think of pursuing them through the courts, tell them that if they are foolish enough to take this to a court, it will be robustly defended and you will counter claim them or their client.

 

Jokers....:rolleyes:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Seriously, you needn't, there is nothing they can do until monday at the earliest! Even their Threatogramme machine needs a holiday, relax, enjoy your Christams, forget these idiots, and we'll deal with them next week, or next year!:D

 

Have a good un! Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Hi

 

I have today received a letter. This time it is from RMA again, its has indicated that AMEX are very dissapointed with me for not contacting them to pay the agreement, they state that this letter is their pre-litigation letter, but they now require the following information to be completed on the back of the letter and sent back????

 

Job title

Company

Wages and contact number of Personnel Dept

 

Who our mortgage is with etc etc

 

all of which to me appears totally confusing as they have already terminated this agreement with a defective DN and this has been accpeted by me in writing.

 

Now this - any advice appreciated

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Morning :),

 

What a bunch of eejits!

 

Why should you do their work for them. If their so called pre-litigation department wanted that info, they could get it without asking you first which is why it's a pre-pubescent (I.E-childish) threat.

 

You could write back and say that as Amex are disappointed you are not paying, then you are disappointed that they are breaking the rules.

 

Personally, I'd ignore. The only time to be concerned is if (a BIG if) they do litigate.

 

And report them again

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Good Morning Silverfox1961

 

Thank you for that information, they really know how to worry a debtor, I was worried sick, I just hope they dont take it to court, but I know they have terminated, same as Barclays and Egg, they all seem to be playing the big merry go round.

 

Just hoped they would have got the message by now, that they are at fault, but hey ho, thats Banks for you!!

 

I will keep all developments posted as they occur...

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Just looking in and see even-if-not-read-by-you are now on the case.

 

As already stated Moorcroft are a standing joke and have no legal powers whatsoever.

 

They too will return it to Amex as NCO did. In the meantime you may get yet another colourfull threatomatic headed:

 

midaslegalservices

 

Designed to strike fear into the heart of the unwary, it is still however .......Moorcroft, (as it says on the bottom of the letter).

 

When it comes to Moorcroft - stop worrying and start laughing.

 

David

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I think now is the time to bring your local MP in on the matter.

Persistent Harassment, Unlaful request, unlawfull rescission, yadda yadda yadda....the more MP's raising these issues in Parliament the more likely these reprobates will go to the wall or be forced to toe the legal line.

 

Alternatively look at suing them! Yours could be the bench mark by which all other CAGgers can follow, I would be doing it, but none of my creditors have found me yet??:-(

 

I am looking foraward to it when they do though:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you so much for your comments they have reassured me to fight on......I have just ignored their recent contact and will take the advice given until they proceed to court, if they ever do??

 

Amex are an odd lot regarding some of their decisions, however one thing is certain, I they ever do take action it won't be through the clowns at Moorcroft!!

 

David

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Out of interest intree, could I ask which Amex address you have previously received correspondence from?

 

I've tried both the Belgrave House address in SW1 and the Amex House address in Brighton for CCA and SAR but............ can never get a confirmation on postoffice website that anythings been receipted at either address. All responses have come from the Brighton address but how do they get around never signing for recorded delivery?

 

I'm in a similar position of unlawful rescission but by all appearances my letter acknowledging same last year was never delivered?

 

Gez

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