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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.
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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement


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not back, sorry, just making a point which has been considered by a judge in an attempt to clarify and assist,

 

ok cool, pop back and make a point anytime you wish sir !

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delfi101 went to the same Court room that Rankine was decided in

 

The trial Judge HHJ Worster, held that the fact the rate of interest stated on the terms was materially different to the rate charged on the first statement was a material breach of the 1974 Act and that therefore s61 was not complied with and the agreement was improperly executed

 

he has a htread on here, the order is also posted and i have the transcript as i was the file handler ;)

 

Coulld you provide alnk to that judgement please.

 

Peter

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delfi101 went to the same Court room that Rankine was decided in

 

The trial Judge HHJ Worster, held that the fact the rate of interest stated on the terms was materially different to the rate charged on the first statement was a material breach of the 1974 Act and that therefore s61 was not complied with and the agreement was improperly executed

 

 

HI

 

THanks for that PT

Not that i dont believe you

But how about this

If you can prove what you have just posted, that a judje ruled that any action made after an agreement was executed effected the enforceability of an agrement under section 127 i will retire form posting on here and elsewhere perminantly.

 

It would mean all i know about the CCA is incorrect.

 

Must be worth gouing thruough yoour files and pinning up the judgement hey.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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delfi101 went to the same Court room that Rankine was decided in

 

The trial Judge HHJ Worster, held that the fact the rate of interest stated on the terms was materially different to the rate charged on the first statement was a material breach of the 1974 Act and that therefore s61 was not complied with and the agreement was improperly executed

 

 

HI

 

THanks for that PT

Not that i dont believe you

But how about this

If you can prove what you have just posted, that a judje ruled that any action made after an agreement was executed effected the enforceability of an agrement under section 127 i will retire form posting on here and elsewhere perminantly.

 

It would mean all i know about the CCA is incorrect.

 

Must be worth gouing thruough yoour files and pinning up the judgement hey.

 

Peter

 

Just tp add

 

I will need case number and date of hearing please lets keep it friendly.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

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Just tp add

 

I will need case number and date of hearing please lets keep it friendly.

 

Peter

http://www.consumeractiongroup.co.uk/forum/showthread.php?244025-Delfi101-et-al-vs-Weightmans-Phoenix-HFC-***WON***

 

If it isnt on the thread, then leave a message for Delfi

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HI Thnak you Citezen

 

Cmn

 

This just poves what i had affirmed in respnse to DD point eirlier.

 

You can use an incorrectly stated rate on an agreement to challenge the authenticity of a reproduced agreement and influence the ballance of probabilities.

 

That is not the same.

 

What you were saying tis that you can use it to say the prescribed term on the real orriginal is incorrect. A different thing completeley.

 

Peter

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Hi

Just to clarify

This from Delfis thread

“With the help of our own PT and a barrister that he capably briefed we have just handed the above their arses on a plate.

 

Firstly, the Circuit Judge ruled that the statements that they had provided demonstrably had a different interest rate to those in the alleged T&C's and that demonstrated that the T&C's were not related to the 'agreement' Game over.

The Barrister demonstrated that the document was not on the balance of probabilities a copy of the originals that should have been there at execution.”

This is a bit different than this PT unless you have another case in mind

“The trial Judge HHJ Worster, held that the fact the rate of interest stated on the terms was materially different to the rate charged on the first statement was a material breach of the 1974 Act and that therefore s61 was not complied with and the agreement was improperly executed”

The Barrister prove that the T and Cs presented where not those at the original execution, thereby adding to the probability that there wher nonre there at all.

Entirely different to an incorrect charge issued on a first statement making a prescribed term incorrect..

Ass stated earlier Section60 61 set out the items that must be available for the debtor to see at the time of execution nothing else. When you challenge an agreement you are saying that some of those items weren’t there or where incorrect.

You cannot use an a action taken after the execution as proof of this.

Peter

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HI Thnak you Citezen

 

Cmn

 

This just poves what i had affirmed in respnse to DD point eirlier.

 

You can use an incorrectly stated rate on an agreement to challenge the authenticity of a reproduced agreement and influence the ballance of probabilities.

 

That is not the same.

 

What you were saying tis that you can use it to say the prescribed term on the real orriginal is incorrect. A different thing completeley.

 

Peter

 

No, the Claimants evidence was not that it was a reconstitution or reproduction, the Claimants written and oral evidence was that this is the "original" agreement

 

The rate quoted was materially different from the statement rate, and the agreement provided fixed rate for 6 months

 

As i said i was in Court with Delfi and Simon Vaughan our counsel, and i sat through HHJ worsters judgment on the agreement and the rate of interest, in fact Judge Worster found in our favour on all points raised in the defence and counterclaim.

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No, the Claimants evidence was not that it was a reconstitution or reproduction, the Claimants written and oral evidence was that this is the "original" agreement

 

The rate quoted was materially different from the statement rate, and the agreement provided fixed rate for 6 months

 

As i said i was in Court with Delfi and Simon Vaughan our counsel, and i sat through HHJ worsters judgment on the agreement and the rate of interest, in fact Judge Worster found in our favour on all points raised in the defence and counterclaim.

 

It doesnt matter paul

 

THe point is the judge ruled that the document was probably not the one signed at execution,not that the interest rate ws made incorrect because it was misstated on a following statement.

Peter

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It doesnt matter paul

 

THe point is the judge ruled that the document was probably not the one signed at execution,not that the interest rate ws made incorrect because it was misstated on a following statement.

Peter

im not arguing ,

 

but i was in court when the judgment was handed down,

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Hi folks, for this to make sense, the facts have to be on the table for all to see. Without those facts, we may find ourselves arguing about the wrong things.

 

If the interest rate is wrong or incorrect, it will be wrong for a reason. The way we eventually find out that it may be wrong is what determines what actions we can take - yes?

 

It appears to me that the only wy to find out is through backward computation by looking at payment details on loan/credit statements, either annual or monthly. If payments don't tally up with the stated interest rates, then it suggests that the interest rate was either wrongly stated or it has changed since been stated.

 

So to clarify both points of view, may I ask Pt2537 and PeterB to clarify and confirm please? This would really help me (and I suspect others) not to get lost in the detail of this discussion with reference to the following illustrations:-

 

If a fixed rate loan is executed and the interest rate (not APR) is stated as 15.00% annually, exactly where or how would an issue of precribed terms arise in this case?

 

If a variable rate loan is executed and the interest rate (not APR) is stated as 15.00% annually, exactly where or how would an issue of precribed terms arise in this case?

 

If a credit card is executed and the interest rate (not APR) is initially stated as 15.00% annually, exactly where or how would an issue of precribed terms arise in this case?

 

Cheers

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Hi folks, for this to make sense, the facts have to be on the table for all to see. Without those facts, we may find ourselves arguing about the wrong things.

 

If the interest rate is wrong or incorrect, it will be wrong for a reason. The way we eventually find out that it may be wrong is what determines what actions we can take - yes?

 

It appears to me that the only wy to find out is through backward computation by looking at payment details on loan/credit statements, either annual or monthly. If payments don't tally up with the stated interest rates, then it suggests that the interest rate was either wrongly stated or it has changed since been stated.

 

So to clarify both points of view, may I ask Pt2537 and PeterB to clarify and confirm please? This would really help me (and I suspect others) not to get lost in the detail of this discussion with reference to the following illustrations:-

 

If a fixed rate loan is executed and the interest rate (not APR) is stated as 15.00% annually, exactly where or how would an issue of precribed terms arise in this case?

 

If a variable rate loan is executed and the interest rate (not APR) is stated as 15.00% annually, exactly where or how would an issue of precribed terms arise in this case?

 

If a credit card is executed and the interest rate (not APR) is initially stated as 15.00% annually, exactly where or how would an issue of precribed terms arise in this case?

 

Cheers

Hi

On a fixed sum loan the interest rate is not a prescribed term.

However the APR is mathematically linked to both the repayments and the total credit which are.

An issue of incorrect execution of the agreement must be because the debtor has been provided with insufficient or incorrect information st the time of signing, anything the creditor does after that, that breaches these requirements is a breach of the contract, the same as if the debtor had defaulted. Would be.

peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

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im not arguing ,

 

but i was in court when the judgment was handed down,

 

hipaul

 

i have absolutely no doubt you where

 

peter

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Hi

Having said all this I must say it is very encouraging to see that you can successfully challenge the authenticity of t and cs in this manner.

As I said I new it was a possibility but had not seen it done

peter

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PT has filleted many a creditor's donkey, PB.

 

Where the **** have you been?

 

Hi noo

 

Nice to speak, how long you got,health problems, then problems with my big mouth the usual..

 

Peter

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More than you

 

Unfortunately

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reading between bus and pb i can understand what has been said so tommorrow i will post up an agreement of HFC and it seems i have 2 different APRs but let you both look and see what is wrong with the agreement that should help us all understand

patrickq1

hi pt n donki

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Interesting stage. It appears the judge is requiring the pursuers to prove that the prescribed terms were on the back of the application.

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219283-Help-with-Clydesdale-cca-please/page5

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

Winston Churchill

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Interesting stage. It appears the judge is requiring the pursuers to prove that the prescribed terms were on the back of the application.

Hi

Scottish courts have generally in the past been a bit more demanding on creditors regarding proof lets hope it is so in this case.

 

Peter

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219283-Help-with-Clydesdale-cca-please/page5[/u

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

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Hi

On a fixed sum loan the interest rate is not a prescribed term.

However the APR is mathematically linked to both the repayments and the total credit which are.

An issue of incorrect execution of the agreement must be because the debtor has been provided with insufficient or incorrect information st the time of signing, anything the creditor does after that, that breaches these requirements is a breach of the contract, the same as if the debtor had defaulted. Would be.

peter

PB Thanks for your reply. If you don't mind, in order to be totally clear about what you are saying:), do you mind responding to my original post #2262 point by point? Thank you.:D

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Hi

On a fixed sum loan the interest rate is not a prescribed term.

However the APR is mathematically linked to both the repayments and the total credit which are.

An issue of incorrect execution of the agreement must be because the debtor has been provided with insufficient or incorrect information st the time of signing, anything the creditor does after that, that breaches these requirements is a breach of the contract, the same as if the debtor had defaulted. Would be.

peter

PB, as a follow on to my above post, are you saying in your above post that there are NO circumstances under which a CCA can be deemed unenforceable on the basis of the Interest Rate or APR???

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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PB, as a follow on to my above post, are you saying in your above post that there are NO circumstances under which a CCA can be deemed unenforceable on the basis of the Interest Rate or APR???

the rate of interest can be a prescribed term for a fixed sum loan agreement, if the circumstances set out in schedule 1 para 9 a-c are met

 

so while almost correct, there are circumstances where a rate of interest is a prescribed term

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