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    • 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?    
    • I will annotate the message I sent for the forum.  Sorry, didn't see this straight away...
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Passed On Debt Without Termination


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Am I right in thinking a debt cannot be passed onto a DCA if the agreement with the OC hasn't been terminated?

 

Vanquis sent me a slightly questionable DN but never terminated the agreement. They just passed my details onto a debt collection company (1st Credit, who then got another dept within themselves, Connaught Collections, involved).

 

So far, the 3 different sets of people dealing with me have got so much wrong regarding the debt they are making things impossible!

 

If the agreement hasn't been terminated, does that mean that once I pay off the balance, it will be done then? Has anyone got any advice please?

 

Cheers!

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Banks etc very often use DCA's to try and collect monies owed to them.

The agreement doesn't have to be terminated for this to happen.

If the DCA buy the debt then yes it would have to have been terminated.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Vanquis is a credit card company, not a bank. I heard from 1st Credit whilst I was still disputing the amount I owed Vanquis. 1st Credit's letter stated that they had been advised that the sum mentioned remained unpaid and their client had therefore instructed them to take appropriate action to recover the debt. On my next Vanquis statement, there is a little printed bit which tells me my details have been passed onto 1st Credit and to contact them.

 

When I speak to 1st Credit, they refer me to Connaught Collections. Vanquis does not know that this part of 1st Credit is dealing with my account.

 

I have had no official NOA that I am aware of. Just the letters from 1st Credit and Connaught and statements from Vanquis. It has left me utterly confused!

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It can be considered terminated if they have passed it onto a DCA and they are demanding the full balance and not just any arrears.

 

Did you get a default notice? If so, can you post it up and remove personal details, but leave dates intact? Often Default Notices are improperly served, and give you something to fight back at them with.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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So....if you received a DN (or 2 as in my case and both are dodgy) and then its sold onto a DCA (who provided a dodgy NOA which they obviously printed themselves), and the DCA quote the full amount as being outstanding, does that mean its been terminated by the original cc company and UR could be claimed at some point in the future (if I can't get them with the equally dodgy (reconstructed) CCA they have provided)?

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http://i266.photobucket.com/albums/ii263/bethsweddingstationery/220720102325.jpg

 

http://i266.photobucket.com/albums/ii263/bethsweddingstationery/220720102326.jpg

 

I'm sick of this debt and want it gone. My boyfriend will lend me the money to pay it off if that's the route to go down. I am just fed up with all this incorrect info going round and no contact. They'd soon reply if I stopped paying altogether, wouldn't they?!

 

As they never recorded a default on my cr I'd just like them gone so they can't screw me over later down the line.

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Hopefully some-one will correct me if I am wrong:

 

29th Ocober 2009 was a Thursday. If the default notice was sent 1st class then it would be deemed to be delivered Monday 2nd November.

 

The date they gave to remedy the default was 8th November 2009 - a Sunday! Effectively they gave you 4 days (2 if they used 2nd class) to remedy the default. Having terminated the acccount (they demanded the balance) after sending an invalid default notice leaves you in a strong position.

 

One thing they are unlikely to do is remove the default - they will say that it happened.

 

Nothing that you do now will significantly improve your credit rating.

 

I don't think that they are entitled to more than the arrears on the DN.

 

You will need more advice than I can provide about how to proceed from here.

 

Whatever you do, don't talk to them on the phone, don't write to them until you have more advice, don't rush into anything and don't do anything without understanding what you are doing

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It's 20th October 2009 on the cover letter. It therefore gave me 18 days to remedy. NO default was reported on my credit file, though. They have not affected my credit rating, thank God, and I want to prevent it from happening by paying it off asap.

 

I've been paying them all the time, just not as much as they wanted (long story). I don't want 'partially settled' on my credit report, I want it to say 'settled' and do this before Vanquis decide to plonk a default on my report (which I understand would be unlawful now, if off of the DN in October anyway as it's been over 6 months since it was issued).

 

I don't usually talk to DCAs or anyone (I'm a bit phone phobic anyway lol) but had to call 1st Credit recently (who were extremely helpful) and it was from them that I realised Vanquis were processing or passing on incorrect data.

 

They've already had more than the arrears off me, I do not wish to fight them for arrears or anything, I just wanted to know what will happen when I pay this off - would they close the account or would I have to, which I guess has been answered in that it has already been terminated.

 

Any ideas what I should do about the amount I owe? As I cannot pay this off when no-one agrees on the amount left outstanding! I cannot wait to be shod of Vanquis, who I thought had been pretty good until I realised how long they'd been processing incorrect info on my debt for!

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If it was delivered 2nd class they you would have received it on 26th, still not enough time

If 1st class then you would have to look at the wording - it doesn't look quite right to me - you need an expert on DNs - also search the forums - there are specific phrases that must be exactly right in word, punctuation & appearance

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