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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.
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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.

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

      Many thanks 
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    • 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
        • Like

Very strange behaviour from MBNA


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I have heard that they record all numbers of inbound calls and so if your husband ever called them using your mobile then that explains how it became listed as a possability. However, I would sugest in that case Laura, a simple "sorry you have the wrong number" would suffice.

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118800 Mobile phone directory was suspended last year 118 800 mobile phone directory suspended | Money | guardian.co.uk, I suppose it is possible they got it from there first however I suspect that Coactum is right and they kept a record of your number from calls to them. There are apps available for Nokia and Iphone to block unwanted calls and texts.

 

Regards

 

B

__________________________________________

I came into this world with nothing and I still have most of it left.

__________________________________________

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I think that rather than block you simply answer and them tell them they have the wrong number (which they have as this is not your husband) and tell them to remove from their listing immediately. If they fail to do so then report them to Ofcom (I think that is what Office of Telecommunications (Oftel) now come under)

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Laura,

 

Barclaycard were ringing my OH's mobile constantly so I answered a few times and just said they had a wrong number, not called back on his mobile since. If only I could do the same on the landline! Although I know the numbers and ignore.

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same happened with me and LTSB. Told them twice they had the wrong number and insisted they remove it from their systems or I would report them. Not called since and that was to my landline

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Wow you got threw to LTSB after just 2 calls. I spent 5 months telling them on the phone.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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so did l i even said l was not me and i even claimed they had me outta church. They eventually stopped when l threatened to issue court papers for harrassement when they had been told numerous times i was not the phone owner.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

The latest action on the old MBNA account front has been text messages from Experto urging me to contact them to discuss their "fantastic offer". Needless to say I have ignored their request although I have sent a text back asking for my mobile number to be removed from their list. The latest message advised me that the offer expired that day.

 

Do you think they wanted to send me on holiday if I resurrected payments? Perhaps I had won a car! Or there again perhaps the offer was not to break my legs. I guess I’ll never know now as the fantastic offer has now expired.

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Am having some ongoing stuff with mbna myself, did get on their severe hardship etc etc due to ill health and whatnot, been paying them 50 pounds a month for several months, now had a letter last week saying account was severely behind (durrr i know...) now the phone calls have started again, only to my mobile they don't have my home number yet! and some e-mails from Aldersey, Nicholas bank of america has come through, haven't cca'd them but think i'm going to have to as they don't seem to be sticking to their arrangement.. Any advice on my next steps please? They have already issued a dn to me so will put it up if anyone can tell me it's invalid? Thanks in advance Oh and please call mbna on 0800 092 4297

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Hi Bilious, in my case I had two accounts that ended up with MBNA as you will learn if you read all my postings but to save you time I did CCA and discovered that the contracts were questionable at best. I also tried SAR to get additional detail and in the end it looks as if they simply gave up on one account and the other was “sold” to Experto Credite. This has since been the topic of much exchange and dispute and what they are currently trying to communicate with me about.

 

I would not waste time with CCA, but go straight to SAR. That way you will have all the information they hold on you including the details of your current agreement. In the meantime continue to pay the £50 until you get all the info and then reconsider your situation. You need to send £10 with your request.

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I would not waste time with CCA, but go straight to SAR. That way you will have all the information they hold on you including the details of your current agreement. In the meantime continue to pay the £50 until you get all the info and then reconsider your situation. You need to send £10 with your request.

 

You must send for CCA in order to put account into dispute if one is not forthcoming, or is deficient! They cannot take proceedings if they do not comply with s78.

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Thanks for that griffin!!! Will send that off as soon as, silly me thinking they would abide by their own word... i put the number up to see if anyone recognized it as an mbna number (sorry should have said...) so best to not answer the phone to these people as i'm stressed enough as it is?? Thanks in advance, Oh does anyone have a template for the cca request please?

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0118 952 5300 called about 8:15 this morning. The caller did not attempt to go through the usual "for security may I ask" instead he simply stated that he was calling from Experto (who now have my MBNA account) and wanted to know if i had received their recent letter I advised that I had not and he said he would send another copy. What the hell was all that about?

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The same number just called again (dialed 1471 to verify) only this time all I could hear was a phone ringing as if I initiated the call. I gave it a while to see what would happen but then it cut off.

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Thanks dotty! Much appreciated.... have sent one to hsbc which i'm in trouble with as well but the template someone gave only had twelve days on it? will that make it invalid or should i just wait past the 14 days? much appreciated....

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  • 3 months later...

The latest communication from Experto Credite (who now have my MBNA account) advises me that they know I am a home owner and that they are considering legal action that will result in a charge being taken over my property.

 

I do feel like replying reiterating my continued denial of the debt and highlighting the presumptuous nature of their letter because as far as I am aware any charge would be at the discretion of the court and only after the debt was proven. However, I do think that a reply merely alerts them to the fact that you are listening and in turn opens a whole new dialogue.

 

Your suggested responses are most welcome

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