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    • 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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Barclaycard No CCA


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Im still looking around to find anyone else that has received one of these MS card confirmation forms? Anyone? In the meantime I received a reply to my SAR on my other Barclaycard, first CCA'd back in September. They have just sent Data sheets detailing transactions and charges and have also stated that 'This is the only information we hold on the account' despite me asking for my CCA too. Could this be an admission that they do not have the agreement? Am thinking of a s31.16 request to try and push it further, but in the meantime will write another complaint. Has anybody ever suspected a signature on an agreement has been copied/falsified from another agreement on a different account with the same creditor?

 

 

 

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Do the data sheets have dates for each transaction - if so, you can work with them.

 

Don't fret about them not sending the Credit Agree't as part of their reply to your SAR request. If you have the nec'y charges data for the past 6 years, you've got as much as everyone else.

 

Only a CCA request will get the Credit Agreement, or the alternative strategy which I linked for you above.

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Thanks Slick, yes, I can work with the data sheets to get a charges claim in. Just wanted to go down every route available to try and get the agreement. Have just fired off a s31.16 request for both the accounts. I should probably split this into individual threads for each card pretty soon anyway. On research i am still puzzled by the MS agreement which is missing a credit limit and looks cobbled together so that will be further fuel to the fire if it turns out to be unenforceable.

 

 

 

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Sounds good so far.

 

Yes, start a new thread when nec'y to discuss each case individually.

 

:)

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  • 3 weeks later...

Update: Received response to CCA request for Bcard Visa account this morning. It appears to be T and C's again, and the address at the top is my current address and not the one I was at then. The card was taken out in 2006, so post regs for internet; I am wondering if this could be enforceable anyway? I had already sent Barclays a 31.16 request and I gave them until next week to respond.

 

Here is what they sent:

 

BcardVisa-1.jpg

BcardVisa-2.jpg

 

Any thoughts welcome! Pressing ahead with charges claim and will await 31.16 outcome. Will split threads when I receive an update on Morgan Stanley/Goldfish/Bcard account. Hope everyone is well!

 

 

 

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HI EL,

 

This certainly looks like their current reply to a CCA request.

 

Lets see how/if they reply to the CPR request.

 

:)

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Update: CPR request deadline has now passed for both Bcards. SAR information has been received for Morgan Stanley/Barclaycard account. Totting up the charges for a prelim letter. Not sure how to proceed with the CPRs; whether to remind them sweetly by letter or not. It has gone very quiet on the phone, which makes me very suspicious...

 

 

 

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Good luck, EL,

 

I sent off my second request for the CCA asking if they were reluctant to send it because they knew it didn't comply with CCA 1974 regs. Their response was to pass it on to RMA for collection. I told RMA it was in dispute and told them to send it straight back!

 

They clearly don't want to provide these agreements.

 

DD

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Thanks DD,

 

Good luck to you too. So far I have been given T and Cs in various formats and an MS card confirmation form that looks like it could be a cut and paste job. Thanks Barclaycard! I fully expect to be hearing from DCA/s again at any given second. The thought of the incessant phone calls and threatograms again is a bit scary, but hey ho! I have already subscribed to your thread and will keep watching; got my fingers crossed for all of us to get some kind of positive resolution.

 

EL :)

 

 

 

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Hi EL,

 

If I decide to talk to bcard/Mercers/Calders, I have a new tactic. I say I have written to ask for a copy of my agreement, that bcard haven't sent it, and I have heard that there are loads of discrepancies in their agreements, and for all I know I could have paid them three times as much as I should have, and how can I check that without seeing the agreement. Then I say, "Well, would YOU pay any more without seeing the agreement? What do YOU think? Can YOU understand why they aren't sending the agreement? I just don't understand it. :confused:" This generally results in them saying they will put the account on hold for 7/14 days so you do get a bit of peace. I know some people advise not talking to them, but if you don't they call, and call, and call. I'd rather have a few days off.:)

 

DD

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  • 2 weeks later...

Update: CPR second letters were sent at the end of last week for both Bcards. Not a word from Bcard so far about this. On statement for visa it says the card has been cancelled. Mastercard account is still with Mercers despite complaints over CCA, but no real surprises there. Have put in two prelim claims for charges plus contractual interest. The second CPR deadline I gave expires in just over a week...fully expecting to have to go down the court route and a little bit scared!

 

 

 

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Hi EL,

 

As this is a new strategy, don't go straight to court.

 

We can maybe get some input from Pt2537 who started this particular ball rolling.

 

But see if BC respond by the deadline first. Did you send by Rec'd Del'y and to what address please.

 

:)

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I send everything recorded. When I got the Morgan Stanley response to CCA request it was from a lady at the Court Orders and Disclosures/Legal and Regulatory Compliance department, so I sent CPR for this account to her personally at the 1234 Pavilion Drive address in Northampton. For the visa I sent it to the address I have been dealing with all along for that account which is the other Northampton address for customer services.

 

 

 

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It's good that you have the Rec'd Del'y receipts.

 

If it comes to filing at court on this, see here - http://www.consumeractiongroup.co.uk/forum/barclaycard/173450-use-right-name-when.html

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Thanks Slick...still another week and a bit before the second deadline expires. Although I doubt very much I will receive anything from them by then. Will await and see. If I have to get them to disclose through court I will run everything by on here first! :)

 

 

 

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hi subscribing , as in the same boat , just trailing a bit behind you , good luck :)

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Just to confirm EL,

 

When I said "Filing at court", I should say "Apply" which you'd do on Form N244.

 

:)

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Yes, thanks slick, I presumed you meant 'file' at court! Anxious as it does seem risky; think my Morgan Stanley form is improperly executed rather than unenforceable, but I do want to find out where these missing conditions are :)

 

 

 

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Subbing.

 

I've started jogging after you - I am seriously concerned with the quality of their documentation. Until such time as I fail to receive same for inspection, that is. After that I don't care about their problems, at all.

"Do just once what others say you cannot do, and you will never pay attention to their limitations again." - Arthur C. Clarke.

"Thy word is a lamp unto my feet, and a light unto my path." - Psalms 119:105

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Also, just wondering what the general consensus was on making charges claims in the middle of a CCA dispute; I have read elsewhere on the site that it is a bad idea? I do not want to complicate the CCA issue if making the charges claims will do this, especially as I am in the thick of it now with the CCA...? Thanks Slick and everyone for answering my inane and prob quite stupid panicky questions. It must be the thrill of it all! :)

 

 

 

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