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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.

      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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frank galler - kubic investments ltd


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Hi that was interesting reading. FLG is the inventor of this , he showed me and others before he had met natasha. I am not here to defend her but , its the truth. FLG. better known as f****** little gremlin, has ripped us all off. I still beleive he had good intentions to clear these cards. Other companys are doing this . My wife made the phone call to the police after i made the threat. Things were going wrong but ,FLG phoned me from spain and still i beleived him , i ended up in court. I have found out that FLG is just an obbessed liar. He has approx 11 propertys, I have been to 5 of them today, another on monday, and found out more crap on him. I do not care if he sees this as he knows who i am , I hope you are watching FLG i am right up you a*** and, i wont let go . YOU have made my wife very ill, and i will see you in court. You owe money to everyone, you have changed you letting agents and not paid you bills. If FLG or anyone who wants to defend him are on here ,solicitors or who ever, come after me , i have a surprise for you.....

Edited by rush1
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Hi james how are you . found new letting agents, i will call them tommorrow.

 

 

:confused: James ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Let's see what comes out from the police. I think gathering as much information as possible is the first task.

 

There must be some information in Spain because he made out that he was opening offices there. I understand that it is a person in Spain who tipped off the police first.

 

He always said that he was very busy from this market so there will be trail there.

I actually think posting on here where he is concerned should be limited as he may use this as a measure of where the police are up to etc.

All relevant info should be submitted to police such as which airline etc he may be working for etc etc. Enough said.

For all its worth his "office" in Spain appears to be Finanzas Nacionales, Box 112 (Head Office),Calle Algarrobo, Centro Commercial Los Dolces, LOcal 131, Villamartin, 01389 Orohuela Costa.

But no doubt being a "PO Box" although not unusual in Spain) it is easily "moved" but I know that he also has a Bank A/C in Spain, probably where all our monies are, but in any event I still dont know HOW this Forum got instigated, as nobody has advised as to whether he (Frank) ceased trading at his own behest, or is he just being investigated because of someone who has paid Frank but not has any results for their £600 x?

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HI, The moj have passed all complaints back to Ipswich police. fraud dept. 01473 613776 or 01473 613876. They want as much information as poss". They need you all to give information ASAP.. anything you have please.

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mum2010

 

You paid FG £4800.00 last year? ( when exactly?)

 

You have been advised to call the police!!!!!!!!

 

You reply with ( you'll call them in the morning?????)

 

OUTRAGEOUS if you ask me.

 

Your choice...........

 

Mr W

Regards..Mr Worried :)

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thanks for the welcome rush1, I will - dont worry, does any one know if you can actually get out of paying back credit cards if they are before 2007, I have 8 cards and am working all hours just to keep up with the minimum payments - my debt hasnt gone down for years

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thanks for the welcome rush1, I will - dont worry, does any one know if you can actually get out of paying back credit cards if they are before 2007, I have 8 cards and am working all hours just to keep up with the minimum payments - my debt hasnt gone down for years

I can only offer the advice that for cards /loans to be deemed unenforcable they should be taken out BEFORE April 2007, although Kubic reckoned they could challange the enforcability of cards after this date , however I have now gone to another agency who will NOT accommodate any cards after April 2007.This may not help but at least you can determine now whether your card(s) would qualify for a challenge.

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Rush1 - yes I kept copies of all paper work that I was sent right upto when National Finance asked me to sign letter to the credit cards notifying them of a change of address to NF - I have not had anything since- but I am stil paying the minimum payments and do still receive the statements.

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I can only offer the advice that for cards /loans to be deemed unenforcable they should be taken out BEFORE April 2007, although Kubic reckoned they could challange the enforcability of cards after this date , however I have now gone to another agency who will NOT accommodate any cards after April 2007.This may not help but at least you can determine now whether your card(s) would qualify for a challenge.

 

 

Mum 2010.

 

Even for your pre 2007 cards, please don't get your hopes up and think that this will be a solution. If you decide to go ahead, then still act as if they will not be cleared so that you plans are not scuppered if they can't be cleared.

 

This market is changing all the time and what may be unenforceable today may become enforceable three months down the line. It is an ever changing area of law.

 

Just wanting to protect you.

 

Please ensure you go to an SRA registered law firm if you go down this route and ensure that the law firm actually specialises in the area of Consumer Credit Law. A general law firm is no good.

 

You will need to pay them disbursement costs even if it is no win no fee.

 

Hope this helps.

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