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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?    
  • Our picks

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

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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bankruptcy and losing my sanity


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right where on earth do I start well how about burying my head in the sand and hoping it will all go away, I suffer from depression really bad and have been medicated on several occasions since i was about 19(10years ago), i left home and got a flat and was on benefits for about 2 years give or take who said full council tax was just that!!! roll on two years of council tax added to the pay 5 a month minimum payment store cards and we have a debt problem, introduce a baby, more debt more head burying two more kids an ex that doesnt pay for his kids the csa who arent doing their job, two years of hard graft at college working part time to live and support myself paying off in a great apprenticeship but hey this is where the real poverty begins

as a student i can work 3 jobs earn loads of money (finally got my kids nice clothes and new furniture and no more second hand charity shop household goods)tax free, council tax free and also get student grants and loans and all my childcare paid for, bring on an apprenticeship less than minimum!!! wage, 60% chilcare covered(yes two or more children the amount goes down!!!!!) and only entitled to 25%reduction in c.tax, bring on the worst year of my life, im losing my mind, cant handle anything now and dont know what to do my kids are doing my head in im snappy irratable and crying all the time have had loads of time off work, ty my employers are great and offering me counselling but how do i get myself sorted, well ive been independantly advised to go for low income low asset bankrupcy as ive been told (its a private and highly reputable healthcare service attatched to my job that offers all kinds of support) that im living in poverty (£180 a week worse of than being on benefits, how this possible??? take into account full rent council tax travel to work nursery fees(i pay 130 a week out my own pocket (if i could afford to)for these not bad on a 700 amonth wage working 40 hours))) and how ive managed to get this far they will never know. oh and all this before ive been shopping as thats always the last thing on my mind. Im slowly dying argh its a living nightmare :-(, im a failure as a person !!!!!

 

well today after paying two installments of 100 to council tax mob, after getting a charge for payment, theyre arresting my wages i cant physically mentally or emotionally deal with it anymore, is bankruptcy my only option, dont have a car in my name and no high value items or everything put together worth more than £5000

 

my debt as far as i can remember

 

council tax £8,000 give or take

nursery fees(thank god theyre being good and still letting me use them) £2600

hitatchi capital £1800

provident £2400

littlewoods £400

allianz cornhill £280

crisis loan £800

student loands £14000(i know these wont be included)

ntl £300

and about £8000 of debt more than 5 years aknowledged or paid

 

rent arrears none wooohoo i did something right :-)

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Hi there. Calm down :) Bankruptcy in your case seems to be the only option..You have all the requirments to do this. It will stop people from arresting your wages and stuff. Whole process takes about 4 weeks, then all the hassle stops. Costs £100 though. Got to be much better than living under your stress. All debt written off an it only lasts a year. As usual take CAB advice BR seems best route for you tho :)

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ty for the reply Its hard to think things are going to get better i only just returned to work today after 12 weeks thinking things were looking brighter and feeling a little more positive now im once again a bubbling mess, had been advised to make sure when i got a new car after an accident to use someone elses and just insure myself on it which i did thank god or id not be able to go to work, have all the paperwork for the lila here just finding it difficult to contemplate doing it its a scary thought having someone else taking control of my life and my finances im lil miss independant and everyone thinks im tough they dont see the teary me indoors i wish id known about this site years ago reading some of the posts would have sorted me out years ago when i tried negotitaing with creditors and getting no where a Q about my ol debt when i do go for br will the person dealing with it trace all my old debt for me and decide if its still legal or do i really have to try remember it all for myself :confused:

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Hi Going Mad

 

Well done for posting - you've got everything down and hopefully getting that off your chest will help a bit cos it's the first step to getting clear of your debt. You have now turned a corner and there's a massive light at the end of a short tunnel now.

 

You've got the LILA form - that's another huge step. Please fill it in to the best of your ability and phone a local insolvency practitioner to go through it with you before you post it. They will do this free of charge over the phone and as they handle bankruptcies themselves every day, will not judge you. I wish I could give you my phone number but I can't, so look up Yellow Pages under insolvency practitioners, Google insolvency practitioner in your nearest town, or look up the Institute of Chartered Accountants of Scotland website under IPs. The Institute of Chartered Accountants of Scotland

 

 

The Accountant in Bankruptcy will be handling your sequestration (Scottish bankruptcy) and they may delegate the work to a firm of local IPs. Either way, they are not able to trace your old debt so try to remember as many old ones as you can - although some debts might be so old that they may actually be too old to claim in the sequestration (something called prescription) - so just try to remember as many as possible. If one or two come out of the woodwork then that's not a problem anyway as the Trustee would just send them the bankruptcy information at that time.

 

Things are going to get so much better when the sequestration goes through. The nasty letters and phone calls will stop from debt collectors. The wages arrestment will stop. Sequestration only lasts for one year and your day to day life will not be adversely affected at all. Life will get back to normal, I promise.

 

All the best.

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hi, going mad,

 

As from 6th April 2009 the Government have increased the cost to self petition for bankruptcy to £510.

 

you can get this fee lowered if you are on job seekers allowance to about £360.hope this helps.sorry just noted your in scotland could be lower there my apologies.

regards

 

out of cash

Edited by out of cash
erorr
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It used to be free here. (Scotland) if you were on benefits. Then they introduced the LILA route and charge you £100. CAB are brilliant at helping you fill in the form. Enclose as much info as possible with your application. Debt letters and stuff. Photocopy everything as you will get a telephone interview and your answers need to match up with whats on your form. Your bankruptcy only lasts a year. Everything including council tax is written off. Finally get a co-op basic bank account. They are one of the few banks which won't cancel your account when your made bankrupt.

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rbs have said they are willing to keep my accounts open for me if and when i go for bankruptcy as i dont have any financial obligations to them and my accounts arent credit accounts but ive heard alot of people condemn them are they just saying this to keep me for the meantime or are they genuine any thoughts? also wanted to ask a savings account for my son in trust of my name, if im paying 50 a month into that for the 3 kids christmas/ household goods/car emergencies and clothes etc does that get taken into account theres nothing in it at the moment as ive just raided the measly 200 out of it to buy their summer clothes and stuff and got another one starting school in august so two new sets of uniforms and not entitled to a clothing grant

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oh and another thing im being wages arrested as of next wage because of last years council tax after sticking to a 100 agreed (over the phone!!!) and apparently not sticking to the agreement which i did, but ive not even started paying this years council tax what will happen there with my arrears on that will it get included on my bankruptcy and just pay what i owe from the date it starts or what theres not alot of advice out there oh and the shut down the cab in my area even though its supposedly one of the bad areas for poverty and the usual tags that go along with low income towns as they said it wasnt used enough

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ive just checked out my credit report online and it actually makes for pretty good reading from experian its no where near as big and scary as i thought it would be, my ex is on there as being associated with me but dont know how we or at least i never applied for credit with him, there are 9 on file only 4 defaults 1 i forgot about and another i dont have a clue what its for a catalogue by the looks of it but cant understand where all the other entries are for all my other debt especially all the ones that are chasing me does this mean anything thats not on there is long since forgotten and i can write it off as even two of the defaults hit 5 years this month. so is there any way of finding out what happened to all my other debts if they arent recorded there where else would they be recorded cheers in advance

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ps who are 1st locate uk ltd does anyone know are they a company that try to find people for debt they searched for me at my old adress i take it that how these old debts found me at my new address

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ps who are 1st locate uk ltd does anyone know are they a company that try to find people for debt they searched for me at my old adress i take it that how these old debts found me at my new address

 

 

I found this forum whilst trying to find out who 1st locate are (http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/63976-anyone-had-dealings-lcs.html)

 

Don't phone them. Someone who has more experience than me will be able to tell you how to deal with them, but I simply ignored the card I got through the post and have heard nothing since.They specialise in finding people, worldwide and their website is Billing and revenue management, customer outsourcing solutions and I suspect that cards and calls are fishing expeditions. If you don't respond, then they have no bite to go on.

 

I didn't find one person who'd had satisfactory dealings with them and there were a lot of folks who were angry and some who had been intimidated.

 

I hope you get sorted soon :)

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Hi once your BR thats it, do not enter into any agreements to pay of debt. Your legally free of debt. AIB will send out letters to inform the companys, council etc that debt is written of. Companys like wescott and scott and co may still try to contact you. Simply refer them to AIB or point them to Edinburgh Gazette. Ignore thier request to send proof. Info is public domain. There problem not yours. As posted elsewhere send a letter denying a door step collector. All correspondence by post only if they enclose a SAE. On personal exp I can say BR saved me a lot of aggro and is painless, nothing actually changes. Your still black listed but not due anything and no phone calls etc. GL

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can i ask why none of my bills from my previous address ie phone bills, electricity etc(my meter was a duff and always gave me more leccy than what the power cards should have gave me) are showing up on my credit file as it stands on my credit file at least 3/4 of my debt has totally disappeared, yes about half of it is definately statute barred and doesnt even show on my credit file yet still get letters in about it seriously its like 8 years old. and now to top it off ive got to do two years financial statements for tax credits and one of my chilminding agreements was cash payments and never got receipts for although t.c did confirm at the time with the childminder my kids were there argh now feel like the world is conspiring against me and i know there are discrepencies in my t.c because my depression and stuff i was late making changes to my details sometimes to my advantage most times not but i bet they only going to concentrate on the times it was to my advantage !!!!!

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Sorry to hear about your plight. Bankcruptcy is possibly your only option, as said before it will stop the hassle. But it doesn't stop here. In future when you fill in insurance proposal forms and such like, you are asked if you have ever been bankcrupt. If you say yes, most of them will not process your application. You won't be able to get normal credit and the few "tick" stores that will give you stuff will charge an exorbitent interest rate---so the cycle starts again. Before you sign,

Probably the best thing to do is get as much as you NEED(not want) from whoever will deal with you. Then see if cab can put you in touch with someone who can work out a budget with you, wherebye you know what you HAVE to live on without getting into debt.

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Sorry to hear about your plight. Bankcruptcy is possibly your only option, as said before it will stop the hassle. But it doesn't stop here. In future when you fill in insurance proposal forms and such like, you are asked if you have ever been bankcrupt. If you say yes, most of them will not process your application. You won't be able to get normal credit and the few "tick" stores that will give you stuff will charge an exorbitent interest rate---so the cycle starts again. Before you sign,

Probably the best thing to do is get as much as you NEED(not want) from whoever will deal with you. Then see if cab can put you in touch with someone who can work out a budget with you, wherebye you know what you HAVE to live on without getting into debt.

 

 

im not too worried about getting credit in the future to be honest a mortgage eventually would be good but my financial income in 5 years is going to be a very different story to what it is now so i shouldnt need credit, just keep those fingers crossed, i have been told some of the things i got now i may be able to keep like my kays that i dont owe money to if they wish to keep my account open, and at least my bank (rbs !!!!!!!!!) are going to let me keep all my accounts open as i dont owe them anythings and have been a customer for 11 years. got the forms in hand now just need to start getting them filled out so i can sit back and relax a while

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Hi Going Mad

 

If you are going for sequestration, then I understand from others who have gone down this route that insurance cover can be obtained (with perhaps only a slightly higher premium) through an insurance broker as they send in the forms with a letter of recommendation, even if they've never met you before! So please don't let that put you off. The relief of being free from completely unmanageable debts which are affecting your health and that subsequent return to health more than offsets any problems in the future.

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  • 1 month later...

Just been throught the AIB process - Seq'd in May --- and its the best and easiest £100 I've ever spent. Don't delay - get it started NOW - CAB etc start the process straight away and all debt (except student loans) are gone - nobody questions how the debts occured -- no stigma involved. It's great not worrying about debts - being able to answer the phone and laugh at the threats these **** make -----

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