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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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    • 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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      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
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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
        • Like

HFO Services/Capital/Turnbull barclaycard debt


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what a load of crap from a miserable overpaid Judge - this as stated above was a hearing for costs in a discontinued claim, why on earth was it adjourned - its not right or acceptable - the judge knows this - its just that he could not be bothered to miss his lunch or a evening meal to deal with this justly.

 

I hope these Judges will realise that the amount of stress and anguish they cause is often worse than the irresponsible actions of a creditor who, tries to bully a debtor to pay a debt which is unenforceable or taken to court wrongly and then dropped -

 

The judges seem to run on their own rules - its a shame - and irresponsible, that is where my faith in humanity seems to dwindle and wither away........WHERE IS JUSTICE IN THIS COUNTRY???

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In economics and finance, a Taleb distribution is a probability distribution in which there is a high probability of a small gain, and a small probability of a very large loss, which more than outweighs the gains. In these situations the expected value is (very much) less than zero, but this fact is camouflaged by the appearance of low risk and steady returns. It is a combination of kurtosis risk and skewness risk: overall returns are dominated by extreme events (kurtosis), which are to the downside (skew). The corresponding situation is also known as the peso problem.

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US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Will just wait for the hearing date to be confirmed now... not much more I can do. All of the evidence is in, two witness statements done and skeleton argument.

 

Ball in their court now to bail out... this will only get more expensive for them. Not sure how much they will have been billed for yesterdays adjournment but there's no way their costs will have to be met by me for it.

 

So far this has cost them...

 

£721.69 for the alleged debt

£200 for hearing

£75 AQ fee

£75 SJ application fee

£200 est. for yesterday

 

Could get slightly more expensive for them... considering that they allegedly discontinued because of the prohibitive cost I can simply raise the fact they are sending representation at significant cost disproportionate to the alleged debt they were chasing. I think their argument will not go down very well when it comes to the showdown.

 

Feeling more and more confident about this as time goes on to be honest.

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Hi Guys,

 

Sorry to butt in on an amusing converstaion here. Can I just ask about the apparent continuing involvement of Indian offices and call centres please?

 

My reading of the Data Protection Act 1998 seems to lead me to believe that it embodies the EU directives on personal data which again is reinforced by the Lisbon Treaty. This really boils down to the fact that personal sensitive data CANNOT be divulged to organisations outside the geographic boundaries of the European Union regardless of what "agreement" you are alleged to have signed. Hence once data is passed to an Indian group or anywhere else for that matter then it becomes game over for the creditor.

 

I know there are some nasties for British Nationals in the appendices to the Lisbon Treaty where as usual our lot have "excused" us mere mortals from a lot of the good bits like the extra consumer protection it provides.

 

Would be interested to see any comments you have.

 

Regards

oilyrag.:)

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Hi oilyrag,

 

HFO are "outsourcing" their call centres to India - I believe their registered office is now in Gurgaon.

 

We are more interested with the previous regime where HFO Capital have their registered offices in the Cayman Islands and Ireland.

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The SRA have informed me they intend to take my complaint about the dodgy document very seriously.

 

Tut tut Alice... looks like you're in trouble now!

 

Nice one VJ, will hopefully get time to get my complaint in tomorrow.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi Guys,

 

Sorry to butt in on an amusing converstaion here. Can I just ask about the apparent continuing involvement of Indian offices and call centres please?

 

My reading of the Data Protection Act 1998 seems to lead me to believe that it embodies the EU directives on personal data which again is reinforced by the Lisbon Treaty. This really boils down to the fact that personal sensitive data CANNOT be divulged to organisations outside the geographic boundaries of the European Union regardless of what "agreement" you are alleged to have signed. Hence once data is passed to an Indian group or anywhere else for that matter then it becomes game over for the creditor.

 

I know there are some nasties for British Nationals in the appendices to the Lisbon Treaty where as usual our lot have "excused" us mere mortals from a lot of the good bits like the extra consumer protection it provides.

 

Would be interested to see any comments you have.

 

Regards

oilyrag.:)

yes but the fsa and ico dont care about any eu directives i have complained to the on several occasions since the begining of 2007 and they are not bothered

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our freind barrington is the director of the indian co HFO his staff hardly ever get paid unless they can show determination and fearless attitude to get money out of the client repeat calls several in an hour if neccessary just get the credit card number onto their books

that is the gist of our indian freind conversation he is sending me a report sheet on how to get results and the tactics they are asked to follow i am hopeful he sends me the tactics sheet..even he thought it immorral in they way they have to speak to clients i will pass this on to all the crew via pm

patrickq1

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