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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
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Very strange behaviour from MBNA


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Hi Hussy786,

 

I'd guess that the letter is yet another of their standard letters that the system keeps churning out and that if you are lucky another department will be dealing with your CCA.

 

As you know my CCA requests were simply ignored and looking through my own case it struck me that they have a well oiled machine that auto dials your phone number and sends begging letters but no such efficiency at dealing with any real communication.

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The whole phone call bit is very strange. If you refer to my thread http://www.consumeractiongroup.co.uk/forum/general-debt-issues/203269-introduction-background-my-debts.html you will see that I resorted to sending high pitched feedback down the line and that seemed to work.

 

Ever since they defaulted my accounts the calls have stopped.

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Hi,

 

As I understand it there are a number of cases which are going before a senior judge soon which IMHO should reinforce the current situation.

 

I believe that MBNA has made a commercial decision not to store documents in the past and that it is now coming back to bite them!

 

Whenever a creditor makes an offer of a significant discount, in its first threatogram, I am minded that they are aware they are on a hiding to nothing.

 

My attitude is now to refuse to pass security and to say "I am happy to discuss anything you wish with a judge only - take me to court if you believe that you have any chance of success!"

 

As yet no one has taken up the offer.

 

GK

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Your approach is admerable GamekeeperToPoacher but in the meantime a default sits on the account.

 

I have just been turned down for a job. It was a senior post and both interviews went exceptionally well, the latter of which lasted half a day. I'm of the opinion that if they ran a credit check they would be deeply conserned with my report.

 

That is why I'm trying to have the defaults removed even if that does mean I have to restore some sort of payment plan.

 

In this case however MBNA have failed to show any evidence that an Agreement exists between us and therefore should not have sold it on.

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Hi all

 

I have received the leter from Optima Legal threatingning they are acting on behalf of their client (MBNA) and if I donot sort the issue with MBNA they will get a charge order against me.

I am advised by them to contact immediately to MBNA and sort the issue ASAP for my convienance they have printed on back of their letter income/expenditure form.

They also said no need to contact them (Optima Legal) direct but to contact MBNA.

This morning i received a letter of MBNA trying to help and pay the balance (which is half now ) in 3 months etc otherwise legal action etc.

Please advise as I am completely baffled .

please help what should I do (got no money to pay them as laid of from job as well ).

Help

Hussy

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hehe Optima again DO NOT WORRY ABOUT THEM go to search above type in Help go to my thread and read from page 65 PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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it is most important that u now file safely every document from optima i would also scan to PC and store on photobucket.com

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi Hussy786, as a general rule of thumb I'd resist giving collection agents any information because whatever you do they will undoubtedly use it against you at some time. For example you refer to a charging order; well by giving income/expenditure you might be asked to enclose a wage slip and in so doing tell them exactly where they need to go to attach your wages!

 

Either reply stating why you are not paying or reply referring them back to their client who you may have previously given details to. Make them work to get any data out of you and be cautious with whatever you offer.

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optima are not a debt collecter they are solicitors bankrolled by a very big PLC namely Capita

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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indeed specially reguarding income none of there business but i was trying to make u aware of the company u are dealing with because they will start court proceedings

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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going by part cases and my own they will after 3 letter demands but do not worry they usually make a balls up of the litigation hence why i said arm yourself with the info on my thread

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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as i said before from page 65 very useful

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Does anyone know anything about the scanning process??

 

Would they have scanned the front and back of the application form simultaneously??

 

Your agreement Coactum is similar to mine in that the back appears to be a "flipped" copy of the front. Look at the black edge along the bottom.

 

Unless these were scanned simultaneously, then you wouldn't expect them to be at exactly the same angle, would you??

 

I've also read somewhere about a company employee admitting that they only scanned the fronts (don't think it was MBNA though) but that seems logical to me. I don't think they would ever have dreamt of the day when consumers such as us started challenging their agreements!!

 

It would also be useful to know if they have any image editing software in their offices such as Photoshop!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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I think you have a very valid point WelshMam2009 insofar as they probably only scan the front cover. To be frank I'd probably do the same. The data that changes is what you want to save every time all the standard stuff is the same for everyone so why bother scanning over and over. Mind you all it takes is for one of their staff to say they were scanned at the same time and we would have a devil of a job to prove otherwise!

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I think you have a very valid point WelshMam2009 insofar as they probably only scan the front cover. To be frank I'd probably do the same. The data that changes is what you want to save every time all the standard stuff is the same for everyone so why bother scanning over and over. Mind you all it takes is for one of their staff to say they were scanned at the same time and we would have a devil of a job to prove otherwise!

 

Agreed, but they would also have to prove that such technology (duplex scanners??) both existed and were used.

 

I'm not saying that they didn't, because I honestly don't know. But bearing in mind a lot of these agreements are up to 15 years old, I have my doubts!! ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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  • 2 weeks later...
Hi blueotter, I have nothing to report. All has gone very quite. Somehow I suspect this is the lull before the storm!

 

 

I have to add here that things have gone totally silent for me for weeks and weeks as well. Wonder if they're in a phase of seeking further legal advice?

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