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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?    
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    • 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.

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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
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Discussion on enforceability of agreements


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I thought it was 21 days too, followed by a further letter allowing another 21 days as per templates near start of thread to show have been "very reasonable"

 

I thought it was a N244 not an N149 you sent afterwards too :confused:

 

Yep, if I read the original posts right then you have to show being reasonable to protect yourself against possible costs:shock:, i.e. CCA/SAR/CPR 21 days, CPR 14 days then N244 possibly

 

N149 is the allocation questionnaire form:?

 

Confused PmW

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Yes with the CPR you have to show you have been reasonable and taken every other route to requesting documents before you ask the Court.

 

CCA = 12 + 2 days

 

S.A.R 40 days

 

CPR 21 days X 2 (2 letters) (I gave mine 28 days to show how nice and reasonable i was!)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Steven 4064,

Know you have a life away from this site. But you asked me to post the copy agreement with Nat West (who didn't ammend the original once my partner cancelled her PPI within the cooling off period). Tried to scan but have horrilble feeling that it can't be enlarged on this thread. If so can I send a copy as an attachment on hot mail as that works so it can be read. :oops:

Look forward to any observations and thanks again.

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I am investigating the numbers (dates?) printed on the bottom of both sides to see if they tally up - should they be exactly the same, does anyone know?

 

Also, what about the fact that there is no box to accept or decline PPI or any mention of PPI anywhere on the agreement, yet OH has been paying PPI since the date the card started?

 

Thanks again,

 

Landy x

 

The numbers on the bottom left of the first side of CCA are as follows -

 

DPBT-01/05

 

and on the second side bottom right -

 

MB-101-F-02-04

 

and below this -

 

DP-12-04-8113-2.9/15.9 6

 

Now the 01/05 looks like a date (card was taken out in 05/05)

 

and the second two numbers each contain what could be a date -

 

02-04 and 12-04.

 

Am I right in thinking these 'dates' should be the same if from the same agreement?

 

I would very much appreciate your opinions, please, both on this and the lack of provision for a PPI option!

 

Thank you,

 

Landy x

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Yes with the CPR you have to show you have been reasonable and taken every other route to requesting documents before you ask the Court.

 

CCA = 12 + 2 days

 

S.A.R 40 days

 

CPR 21 days X 2 (2 letters) (I gave mine 28 days to show how nice and reasonable i was!)

 

Is it essential to send for a SAR before requesting under CPR?

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Hi All,

 

Getting back to the subject of enforceability of agreements, could anyone with the knowledge please take time to look at post #7 of this thread and possibly let me know what the verdict is:-

 

Blair, Oliver & Scott Prompted into action

 

Also if possible look at post #22 on this thread and give me the verdict:-

 

1st Credit Reponse to CCA request, start of a long year.

 

As you will see I quite new to this game and not sure where I stand with these two.

 

Many thanks for any help you can give, if you need more from me just ask.

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deepdebt

 

The agreement in post #7 of http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/180523-blair-oliver-scott-prompted.html is enforceable as it has the prescribed terms (Immediatley above the notice "IMPORTANT YOU SHOULD READ THIS CAREFULLY") and your signature.

 

The agreement in post #22 of http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/180521-1st-credit-reponse-cca.html is only enforceable if the two pages are front and back of the same document as the signature is on the first and the prescibed terms are on the second (under point 7)

 

Have a read of http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements.html - that will make it all clear (I hope)

 

 

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Hi Steve, I too want to thank u for all your useful insite.

 

Do you however know if i can challenge a mortgage agreement in the same way that i can challenge a credit card or loan agreement and if so how do i go about doing this.

 

Many thanks.

Mortgages are usually more than £25K and therefore are not regulated by the CCA 1974.

 

 

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What are the implications if a creditor has made an error with their date stamp on your application form/agreement? One of mine has the creditor's date preceding the date I signed by about one month. As this was an application form and, I believe, therefore a pre-contractual agreement, doesn't this change the whole nature of the document?:confused:

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What are the implications if a creditor has made an error with their date stamp on your application form/agreement? One of mine has the creditor's date preceding the date I signed by about one month. As this was an application form and, I believe, therefore a pre-contractual agreement, doesn't this change the whole nature of the document?:confused:

 

Think from reading the regs that makes it incorrectly executed but enforceable by a court order. See Stevens thread re: docs for possible clarification

 

HERE

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What are the implications if a creditor has made an error with their date stamp on your application form/agreement? One of mine has the creditor's date preceding the date I signed by about one month. As this was an application form and, I believe, therefore a pre-contractual agreement, doesn't this change the whole nature of the document?:confused:

 

What if the date stamp is 2 years after you originally signed it? (They waited 2 yrs before stamping it).

Actually it's missing all Prescribed Terms but wondered what the implication would be if the terms had been present.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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hi all im having abit of a fight with barclaycard,can someone tell me if this is an enforceable credit agreement? the first two pictures are of the letter i received along with the agreement.

 

http://i664.photobucket.com/albums/vv10/carteroo5/img003.jpg

 

http://i664.photobucket.com/albums/vv10/carteroo5/img004.jpg

 

http://i664.photobucket.com/albums/vv10/carteroo5/img005.jpg

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hi all im having abit of a fight with barclaycard,can someone tell me if this is an enforceable credit agreement? the first two pictures are of the letter i received along with the agreement.

 

http://i664.photobucket.com/albums/vv10/carteroo5/img003.jpg

 

http://i664.photobucket.com/albums/vv10/carteroo5/img004.jpg

 

http://i664.photobucket.com/albums/vv10/carteroo5/img005.jpg

 

Its a fast track application form, it has a signature so could possibly be enforceable if it had any prescribed terms on which it doesnt so I would say No way jose to Barclaysharks... is this all they sent you, no back to the app form at all?

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