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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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    • If you are buying a used car – you need to read this survival guide.
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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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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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

Invalid Default Notices


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Hi. Cahoot have finally issued me with a default notice but sent to it to my old address which I left 4 years ago. I only received it because my mother-in-law was passing our old house just after the Postman came and the new owners gave her the letter. What is the story with incorrectly addressed DN's?

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Hi. Cahoot have finally issued me with a default notice but sent to it to my old address which I left 4 years ago. I only received it because my mother-in-law was passing our old house just after the Postman came and the new owners gave her the letter. What is the story with incorrectly addressed DN's?

 

did you tell them of your new address? can you prove that? if so thats their problem- if not- its yours!

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There are many cases of OC's and DCA's deliberately using old out of date addresses - especially to send letters regarding legal action - just to wrong foot debtors. If they have subsequently written to you at your new address then they are either stupid or devious (probably both!).

 

Either way you need to send a recorded delivery letter to them insisting they update their records to show ONLY your current address - and confirm thsi to you in writing.

 

Surely sending private and confidential data to an out of date address (of which they are aware) breaches their duty of care - might be worth asking the Information Commissioner?

 

BD

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did you tell them of your new address? can you prove that? if so thats their problem- if not- its yours!
Hi DD crap1 have started sending letters to an address i havn't lived at for 8 years even though a solicitor has coresponded on my behalf at this address, the card was taken out at this address the default was sent to this address and had a home visit at this address . Not let them know as curios to see what they are up to ?
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Hi DD crap1 have started sending letters to an address i havn't lived at for 8 years even though a solicitor has coresponded on my behalf at this address, the card was taken out at this address the default was sent to this address and had a home visit at this address . Not let them know as curios to see what they are up to ?

 

what they are "up to" is trying to get a ccj by the back door

 

unfortuneately for them- in this case- getting the ccj set aside would be a 100% dead cert

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Hi,

 

I received a DN from Creditor in Jan 2010. The DN looks ok apart from the remedy date which says 'you have 14 days from receiving this notice to rectify the breach', this make the DN invalid doesn't it?

 

I have not been terminated yet and CCCS paid them in Feb the reduced amount proposed. I have cancelled all future payments. Should I just wait for a termination now before sending the unlawful reccession letter?

 

Thanks

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Hi,

 

I received a DN from Creditor in Jan 2010. The DN looks ok apart from the remedy date which says 'you have 14 days from receiving this notice to rectify the breach', this make the DN invalid doesn't it?

 

I have not been terminated yet and CCCS paid them in Feb the reduced amount proposed. I have cancelled all future payments. Should I just wait for a termination now before sending the unlawful reccession letter?

 

Thanks

 

Yes. But if you can post it up then do so. The dates on a DN are only one of many issues so it's always worth getting further opinons ;)

 

M

 

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Am I right in thinking that consequences of an unlawful termination are that the creditor can only ask for repayment of the arrears outstanding at the date the DN was issued? If this is correct where in the CCA 1974 does it state this? Do we have any case law I can quote to back this up? Cheers.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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what they are "up to" is trying to get a ccj by the back door

 

unfortuneately for them- in this case- getting the ccj set aside would be a 100% dead cert

should i alert them to the fact i'm aware or perhaps alert OFT and information comitioner ? Would such actions put them on the back foot in a court case perhaps ?
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Hi. I have just received a letter from HSBC headed 'FINAL DEMAND'. It goes on to state, 'We now DEMAND (their emphasis) immediate payment of £xxxx.xx (the full amount outstanding). Current interest arrangements will continue to apply.'

 

The DN was defective as it didn't allow any time for service. Do you think I should send the unlawful rescission letter as they have asked for the full balance. The letter doesn't state it is a TN, just a final demand with a DEMAND for full payment!

 

Cheers in advance.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Hi again everyone,

 

I have a Default Notice here from Barclays. I was hoping that someone may take a look at them as I believe this to be a little 'Faulty'. There is prescribed text missing and the dates will not work if it was posted 2nd class, also ther eis a difference between the Arrears and the Final amount. I also have an unenforceable credit agreement (as proved by a claims management company prior to this). I am currently going through a similar procedure with RBS but was hoping a quick eye over these would reveal further discrepancies?!!;)

 

Many Thanks to one and all here for there great work.

 

Kindest Regards

[url=http://i827.photobucket.com/albums/zz199/Worsteve/DefaultNotice003mod.jpg][/url]

http://i827.photobucket.com/albums/zz199/Worsteve/DefaultNotice001mod.jpg

http://i827.photobucket.com/albums/zz199/Worsteve/DefaultNotice002.jpg

http://i827.photobucket.com/albums/zz199/Worsteve/DefaultNotice003mod.jpg

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So help me with this how do you know if it's an ivalid dn? i have had two issued to me by two card companies but neither sent me the cca? So does this mean they are invalid? Could someone pm me this as it's very interesting... especially as i've just had a final demand from one for the full amount

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So help me with this how do you know if it's an ivalid dn? i have had two issued to me by two card companies but neither sent me the cca? So does this mean they are invalid? Could someone pm me this as it's very interesting... especially as i've just had a final demand from one for the full amount

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/250902-hsbc-agreement-default-notice.html#post2878415

 

It seems that not many experienced Caggers are active on this thread today. Have a look at that thread as Babybear has posted on it today.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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So help me with this how do you know if it's an ivalid dn? i have had two issued to me by two card companies but neither sent me the cca? So does this mean they are invalid? Could someone pm me this as it's very interesting... especially as i've just had a final demand from one for the full amount

 

You should also post the DN's on here (minus personal info) and someone will be along I'm sure to give you the chapter and verse.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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i will do that for you sorry am slightly panicky at the moment they said they'd terminated my account on the phone but have never written about it to tell me but will check that just in case have offered them reduced payments etc but they've said it's not enough am in contact with the cccs at the moment

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i will do that for you sorry am slightly panicky at the moment they said they'd terminated my account on the phone but have never written about it to tell me but will check that just in case have offered them reduced payments etc but they've said it's not enough am in contact with the cccs at the moment

 

have you cca'd and sar'd them?

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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not yet been too terrified to tell the truth.... mbna have accepted severe hardship etc etc and reduced payments for a while hsbc are well!!!! you know... haven't cca'd or sar'd them yet? but will do now.. if they can't produce the cca does that mean i can get the accounts put into dispute? have two other cards but am not behind on them, am changing accounts soon from hsbc paying off the overdraft so my wife cannot be touched? only that was tying us to the hsbc (apart from mortgage which isn't in arrears..) As long as they can't touch her i'm happy'ish...

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If you have sent a CCA request and they have failed to supply within the 12 + 2 days, then you can place the account in dispute until it is supplied.

You can write and ask if the agreement has been terminated; it is possible to send DNs that supersede the previous ones until the account is terminated, so if they are aware that a DN is defective they can issue a correct one.

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Having received my dodgy DN for an overdraft. The bank are still adding interest. The letter that accompanied the DN says thay can do that. Can they really keep charging interest if they have issued a DN, even if they havent yet issued a termination letter. Is a DN really as good as a termination letter, if it asks for the full amount?

Its WAR

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Hi all,

 

Can someone confirm for me that if a DN was sent which was dated 16 December 2009 with a remedy date of BY 06 January 2010 is only 8 clear days to remedy.

 

This would be based on the 4 days of service ie no proof of posting and because of the Bank Holidays over Xmas and New Year.

 

Even at 2 Days of Service for posting I still only make it 10 days to remedy - anyone concur.

 

Thanks

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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