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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
        • Like

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***Updates***

 

Ok so FOS questionnaire filled in and sent back, with recent copies of letters received from wfs.

 

Yet more telephone harassment and doorstep visits even though requested only to be contacted by letter.....this is causing great upset and undue stress to my family......should I send yet another harassment letter???

 

A "without prejudice" letter received telling me the account has been terminated and the full balance is now payable blah blah blah....

 

Not sure I have any confidence in the FOS now after the latest letter saying....

 

"further to our recent offer letter in settlement of your complaint.......we do not have appear to have received your response to this offer" :eek:

 

What settlement letter ???? I have only just sent you my questionnaire back.......

 

Also the exact same letter in the envelope, addressed to someone else..........WTF.....

 

What to do, what to do?????

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  • 2 weeks later...
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Letter back from the FOS....

 

Following our involvement WFS has now agreed to make an offer to settle your complaint.....WFS will be writing to you to explain the precise terms of its approach.....it has told us it will be based on the general approach FOS takes when we decide that a consumer has been mis-sold a policy.........If you would like to accept the offer please sign and return......

 

In the mean time WFS have sent another DN.

 

What happens now????

Edited by charger1
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  • 4 weeks later...

Ok nothing signed.

 

No settlement letter from wfs, instead they have decided to send a default sums letter, a dca letter arrives the same day to recover the outstanding amount!

A letter back to the dca of course...in the next day or two.

 

Trying to get rid of me wfs before you have to pay back my mis-sold ppi....tut tut tut

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  • 5 weeks later...

Dispute letter with OC sent to the DCA, they have completely ignored the letter and proceeded to send yet another....

 

In the mean time no settlement letter from wfs but they have been so kind as to send me the usual default sums letters and notice of sums in arrears.

 

Not sure what to do next and was hoping someone can help and point me in the right direction! >>>

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  • 1 month later...

update*

 

Mis-sold ppi on hp agreement by wfs in 07, cca and sar sent to wfs, dec 09, asked them to refund ppi.

Sar recieved incomplete, missing insurance information, wfs dragging heels but said the were looking into it.

 

Letters sent to fos, direct debit stopped, fos have come back and said yep mis-sold wait for settlement letter, same day dca letter arrives, to which i have sent back a account in dispute letter to dca.

 

Dca have ignored my letter and carried on sending please pay in full letters, with the last one ending in we are willing to except 50%.

I have not recieved n.o.a for wfs.

 

any ideas for the dca??

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Just thought I would have a rant on this site about this company. My partner and I were repossessed at the beginning of August the mortgage company was Capstone and we also had to get a secured loan from Welcome to make the mortgage a 100% one. This was in 2005. In 2007 we got a top up loan with Welcome on which they misold us PPI. I put a a claim in a company were acting on our behalf. Since March Welcome have denied all knowledge of them misselling us PPI. I now have been told by the company acting on our behalf that they have now accepted that they misold us it the amount was £3,000 but we wont see a penny of it as they have taking it off the sum we owe which is £23,000. I just feel cheated. They mis-sell you the insurance and put you in debt and you still cant get the money Im fuming

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  • 6 months later...

update*

 

PPI refund was made by wfs, (thanks to all who gave help along the way)

Since then all has been quiet on the wfs front, until recently lewis group have now been sending letters, phone calls etc, then received demand in full for outstanding amount from Cohen's.

I want to claim back all charges such as ad hoc and capitalisation fee, letters etc (oh and the small commission fee gave themselves) hoped someone could point me in the right direction to a template letter?

 

Regards

Charger

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