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    • I used to have a retail outlet in London selling my husband's photography.  We also had a co-op with staff so they weren't directly employed by me, but I paid for the other overheads etc.  When my husband died, I carried on as usual for a while but then I became ill and moved quite far away so logistically was becoming very difficult.  I came to an arrangement (verbal) with one of the guys I trusted, that I would send him the images to print and sell as normal, and I wouldn't take any money, as a short term solution until I got back on my feet and worked out the best way to do things. He would pay all the  rent, insurance etc... Over a year later, not able to give things away for free anymore,  I drew up a contract as a wholesale agreement, so I would get everything printed and sent to him and I would invoice his for what he ordered. I noticed form the beginning that he wasn't ordering enough or frequently enough to be making any money, and was suspicious he was doing his own orders on the sly and ordering just enough from me to keep my happy.  I checked with my printer, which I've been with for 20 years, and he sad he wasn't getting orders for my images from anyone else. I emailed a few other printers to ask them to keep a look out for some images but I soon realised this would be impossible to police.  The only option really would be to buy a print from him and check the stamp on the back of it.  I finally managed to get hold of on the prints on sale, and sure enough, he did not order it through me.   In the contract he signed in 2022 it explicitly states that he must destroy all files I had previously sent him etc etc so e is in breach of that.  When I drew up the contract, I was careful to make sure it was legally binding, but before I let rip at him, I need to know where I stand.  The contract is here: PARTIES This WHOLESALE AGREEMENT (“Agreement”) is made effective as of 30th June, 2022, by and between ############################## The Supplier and the Client, collectively referred to as the "Parties," hereby agree to the following terms: TERMS AND CONDITIONS SALES OF GOODS The Supplier agrees to provide the following goods to the Client (“Goods”): Description of Goods ################################# Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b BOTH PARTIES AGREE: The Client purchases the Goods through the Supplier directly, and agrees to delete/destroy any previously held digital images (Goods) owned by the Supplier, and agrees not to use any such files for monetary gain, outside of this agreement, either directly or through a third party from immediate effect of this agreement. The Client purchases the other materials necessary for resale of the Goods independently of this agreement. The Client shall have exclusive rights for resale of Goods at ###########, and also with permission, as a retailer of the Goods elsewhere, provided that there is no conflict of interest between the Supplier and the Client. The Client is free to decide their own retail prices, for the Goods. The Supplier shall use #####  to provide the printed Goods on Fujifilm Crystal Archive paper, with Lustre finish, and will not use any other Printer unless #### cease to trade, without prior approval from the Client. The Supplier shall not impose restrictions on size or frequency of orders made by the Client. The prices provided by the Supplier shall not increase for a minimum of 3 years, unless the prices of the raw materials rise, in which case the client will be informed immediately. Any discounts/promotional prices of raw materials shall be passed on to the Client by the Supplier, and the invoice will show adjustments for this, as well as credit for return postage of any damaged goods. This agreement can be terminated by the Client without notice; the Supplier must give notice of no less than 90 days, unless the terms of the agreement are breached, in which case, the agreement can be terminated with immediate effect. PAYMENT Orders must be paid for upon receipt of invoice, via Bank transfer: ######### Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b DELIVERY AND INSPECTIONS All orders received by 12.00am (midnight) shall be processed by the Supplier the following working day and delivery of order shall arrive in accordance with the Royal Mail schedule, or DPD, should express delivery be requested. The Client shall be liable for the delivery charge which shall be added to the invoice. The Goods will be delivered to the address specified by the Client. The Client shall be provided with order tracking, and should any problems arise with the ordering system or the couriers (Royal Mail, DPD), the Client shall be informed without delay of any such issues. The Client will inspect the Goods and report any defects or damage to the Goods in transit as soon as possible upon receipt of Goods, and will retain damaged Goods for return to Supplier for refund/replacement. GENERAL PROVISIONS CONFIDENTIALITY The prices of the Goods and other information contained in this Agreement is confidential and will not be disclosed by either party unless with prior written consent of the other party. INDEMNIFICATION The Client indemnifies the Supplier from any claims, liabilities, and expenses made by any third party vendors or customers of the Client. GOVERNING LAW This Agreement will be governed by and construed in accordance with UK Law. ACCEPTANCE Both parties understand and accept the wholesale arrangement stipulated under this Agreement. Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b IN WITNESS WHEREOF, each of the Parties has executed this Wholesale Agreement as of the day and year set forth above.   Signed by us both electronically.   I haven't broached any of this yet, and I am looking for some advice about what action to take.  The main issue I've got is that he has still go those images.  If I terminate the contract, I will need to know that he no longer has those images and I can't think of a bulletproof way to do this. I'm thinking I might tell him I will continue with the contract but ask for a  sum in damages and say that if I find out he's still doing it down the line I will terminate the contract and sue him for damages. The damages side of things I'm not sure how it would work as he is self employed, and I'm positive he doesn't declare all of his earnings to HMRC, in order to find out how much I have lost, would the court demand to go through his tax self assessments?  I'm not sure how to proceed with this, I don't want to lose that place as an outlet as it is in a prime spot in London, which is why I let him have those images in the first place as I would have had to pull out altogether at that point.  I am regretting it somewhat now though.  Please help.
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3 Mobile / HFO Capital / Roxburghe - Debt Help


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use the letter above you should be ok

patrickq1

 

Going to send the following tomorrow, let me know if I need to change anything.

 

I haven't previously asked for a CCA agreement so i have modified it slighty.

 

The part where it says about paying a £1 fee.....how do i make this payable to Roxburghe??

Modified - Roxburghe - CCA Request - XXth Feb 2010.pdf

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Can anyone tell me the relationship between HFO and Roxburge? I assume they are actually the same company?

 

As below, everyones friend Barrington Atkinson is involved :

 

Careers at HFO Services

 

Working at HFO

 

career_graphic.gifIt was once said that “knowledge is king”; and we at HFO strive to achieve this daily.

"Our goal is simple. We aim to be one of the most admired businesses in the world; that is, the best business to maximize the value of our clients' portfolios and the best business to work for.

To achieve this we have a fresh approach in the way we deal with our customers and the importance we place on the recruitment and development of our staff. By pursuing excellence in our systems, processes, training and development, we are able to reach new levels of professionalism and create a unique working ethic and environment."

Barrington Atkinson, Managing Director, HFO Services.

Welcome to HFO Services

Are they the same company, can anyone advise me?

They Seem to have taken everything else off their website ie contact details - thats very handy when you want to try and communicate with them.

hamsco

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Guys i have already sent a "no acknowlegement" letter and had a response which i posted back on page 2. Its the next stage that im after.

 

They replied to the no acknowledgement but did not provide any details of the 3 mobile account number or phone number so i still cant subject access request 3 mobile.

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Hello again....

 

Can someone please tell me what to do next with this issue? I'm starting to get really worried by it all :(

 

Here is a quick re-cap:

 

Had a letter from Roxburghe demanding payment of a debt owed to HFO Capital Limited which turned out to be for a 3 mobile account back in 2004. I sent a "No Acknowledgement" letter to Roxburghe who have responded with a last payment date and ammount owed but no 3 mobile account information. I dont have any information from the account (dont even know the mobile phone number) so i can not subject access 3 mobile.

 

i keep getting threatening/demanding letters from Roxburghe but i'm not sure if i am the debtor or if they have any right in making me pay the debt.

 

So my question is what do i do next? :confused:

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Send them a copy of your original letter and say that until you receive a sustantive response to that letter, you will not enter into any further correspondence with them, and that any threats made without such a response will be treated as vexatious and may be acted on as such with complaints to the OFT.

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Hello again....

 

Can someone please tell me what to do next with this issue? I'm starting to get really worried by it all :(

 

Here is a quick re-cap:

 

Had a letter from Roxburghe demanding payment of a debt owed to HFO Capital Limited which turned out to be for a 3 mobile account back in 2004. I sent a "No Acknowledgement" letter to Roxburghe who have responded with a last payment date and ammount owed but no 3 mobile account information. I dont have any information from the account (dont even know the mobile phone number) so i can not subject access 3 mobile.

 

i keep getting threatening/demanding letters from Roxburghe but i'm not sure if i am the debtor or if they have any right in making me pay the debt.

 

So my question is what do i do next? :confused:

 

I received exactly the same, amount owed, interest, charges, miscellaneous charges, date and amount of last payment in 2004...no account details. I recently sent the prove it letter for a second time after receiving a 72 hour threat.

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send this letter stating your full name and address and any old adress if you had moved ok

DATA PROTECTION ACT 1998 Subject access requestlink3.gif

 

This Subject Data Access Request is made under sections 7, 8 & 9 of the Data Protection Act 1998, and by virtue of the Data Protection (Subject Access) (Fees and Miscellaneous Provisions) Regulations 2000 ( S.I.No 191).

 

I hereby request that you supply me with all data that you hold relating to my account. This includes in particular, but is not limited to, the following: -

 

1 The original signed, executed Consumer Credit Act agreement and any terms and conditions that applied at the time the account was opened.

 

2 Transcripts of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, to and from or by any previous creditor.

 

3 True copies of any assignment and/or default notice or enforcement notice that may have been issued including a copy of proof of postage that you hold.

 

4 A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 and any consent that I/we may have given to those uses

 

5 A list of third parties to whom you have disclosed my/our personal datalink3.gif including credit reference agencieslink3.gif and, a summary of the nature of the information you have disclosed, the reason for this disclosure, including any defaults registered date they were registered and date of removal.

 

6 Full copies of transcripts of any correspondence in postal, e-mail or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial, or which pertains to me.

 

7 Full Details of any third party with an interestlink3.gif in the account.

 

8 Full details of any securitisation(s) that my account(s) has been or is involved in

 

9 Full details of any assignment(s) Legal or equitable copies of proof of posting of any notification allegedly given, if given

 

10 Any other information that you hold with regards to me/us and/or our account.

 

 

Enclosed is the statutory maximum fee for this request of £10.

You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity please let me know by return.

 

However please note that the above address is the one which has been used to make any and all communications with me/us with regards to my/our account information from you which has been hitherto found acceptable.

 

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISTAION REPONSIBLE FOR DATA PROTECTION COMPLIANCE.

 

Yours Faithfully

 

as for hfo send them a copy as well so copy to 3 mobile and one to HFO

and remind hfo that this account is in dispute...but if HFO CAPITAL wish to go for court action you shall treat it as a vexhatious litigation because you consider the debt is still in dispute and you have told them of this ,

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I am fed up with Roxburghe and their inability to provide any information to me about the debt they allege I owe and their inability to communicate with me. I dont see why they should be allowed to ignore my requests which they are legally obliged to fullfil. I am going to complain about them to the FOS tomorrow. I have done this previously with another DCA who claimed I owed them money ( I didnt, the debt is identity fraud) and allowing the FOS to complain to the DCA on my behalf seemed to work. I'll let you know how I get on.

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  • 2 weeks later...

I have exactly the same kind of issue listed on here. Debt goes back to mid 2004 (final bill was apparently issued in December 2004).

 

It was a 3 mobile that I took out for my brother. The billing address was changed to his after a few months of the contract being taken out. I only heard about a debt when Roxburghe wrote to me in December 2009. I have since found out that 3 did nothing until they sold the debt to HFO in July 2007, HFO then did nothing until they referred it to Roxburghe (part of same company) and then Roxburghe wrote to me last year.

 

I did a Subject Access Request to 3 and the debt is for the mobile before it was disconnected but I'm not happy to pay seeing as no action was taken for many years. The Credit Services Association weren't much use when I phoned and I am waiting for a reply. The complaint about 3 mobile is being investigated by Otelo who have provisionally said recently that the fact that 3 didn't do anything for years doesn't warrant a reduction. Surely it's not right that it's been left for so long?

 

I've read the above but not too sure what I can do, can anyone help?

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There are several threads re HFO/Roxburghe/3 on the forum - have a browse and you'll find all the info you need. Drill down a few pages and there's lots.

 

Contacting the CSA is a waste of time - it's run by the DCAs. for the DCAs. The OFT is a better bet.

 

Send the 'prove it/no knowledge of debt' letter to Roxburghe and let them do some work. Expect the 72-hour notice letter next.

 

By the time they get anywhere it will be statute barred anyway.

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Roxburghe have got the account on hold at the moment due to the ongoing dispute with Otelo. Quoted that OFT have guidelines regarding debt collection while a balance is in dispute and they haven't contacted me since their first letter.

 

Because of the Subject Access Request I have had from 3, I have already received copies of the invoices etc showing the debt. The one and only letter I got from Roxburghe at the end of 2009 also stated the debt was for Hutchison 3G so my case seems different to Gooner's in that way.

 

My main argument really is that it's taken all parties so long to contact me about it that I don't see why I should have to pay the full debt and interest etc.

 

Basically, 3 argue that they didn't have my address because my brother had changed it to his address (he was an authorised 3rd party on the account). However, from the SAR, it shows they still had my address on there (although I moved a few years ago, I know no one has tried to contact me at my old address)

 

Roxburghe advised that 3 failed big time back in 2004 and didn't have a collections department big enough to do the work they needed to do - another argument I have is why I should be penalised for their incompetence

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The phone was disconnected in July 2004 and I'm told the last payment was £5 in June 2004. A final bill was sent in December 2004.

 

(Basically my brother advises that he had a dispute with them in 2004 and was told the balance would be cleared, however, the SAR does not back this up and no notes on the account really reflect this apart from one in September advising that we were told to ignore a bill as the matter was being looked at)

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Sorry, all the invoices I got in the SAR are at work so can't check until the morning. As far as I remember it was a one-off payment, there was no sort of payment plan agreed. believe it was shown on a statement, could confirm tomorrow

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