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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.

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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

refund and arrears


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What exactly did they say in the letter about how the refund was applied.

 

Are you able to make payments towards the arrears each month on top of the normal monthly payment?

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"we can confirm that we have calculated that your account was overcharged and that we have credited your account by £,including interest.

the refund due has been credited to your account and will be shown as fees and redress on your next statement.Please note,that if you are currently in arrears,this credit will not affect your current arrears position."

 

yes just

 

thanks

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OK, I think you need to secure the roof over your head first and get the hearing next week overwith. You can explain the situation to the court and make an offer to pay arrears over a reasonable period of time. You will need to take a statement along to the hearing, I can draft one for you if you need me to. When is the hearing? You say the arrears are £4k - are there any charges included in that figure ?

 

Then when you have that sorted you can start to investigate fully the refund situation.

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Do you have a printer at home? If so I can draft a statement for you to hand to the judge in the hearing, advising of the situation and what you are proposing to deal with the arrears.

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Hi, ok, I need a little more info:

 

Is the mortgage in joint names?

Do you have any children ?

How much can you afford to pay to the arrears each month in addition to the normal monthly payment?

 

I have affixed a budget sheet to this post - can you please fill it in (it calculates automatically as you enter the figures). You will need to take this with your statement so the judge can see how you will afford to pay the arrears. The amount you can pay towards the arrears is the amount left over after everything else has been accounted for i.e. the amount left over in Box C of the sheet.

Budget Sheet.xls

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I have to log off soon - I'll be online from 8.30 in the morning if you still need help with a statement.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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yes thank you for asking,i especially would like to thank ell for the the fast help and advice that was given to me which i used to at the hearing.

suspended order on condition of payments plus extra.

tricky bit now is another hearing for repo coming up with second charge arrear that is with a sub company of the one i just went to court with.

that one i really do struggle with.i can understand the main mortgage and the way it has been administered etc,but the second charge and the astronomical costs to me because of missed payments over the years really do give a cause for sleepless nights.

just imagine borrowing say 5k,from a company that already holds your main mortgage,which has arrears,so borrow off their other company to clear the arrears,then,as self employed work goes wrong etc,manage to always pay for say 5 years and get back on track,find that they say you now owe 15 thousand pounds.that to me is very very sickening.and very very hard too know what to do about it,because it is interest on the monthly amount that far exceeds the monthly payment.i cannot find any where online that justifies the ballooning loan or indeed anywher online that points to a way of stopping it from getting worse.

thanks for asking. btw,also imagine having paid off 4.5k off that loan then still owe 15k !!!!!!!!!!!

Edited by helpasker
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that cant be good, surely some of their charges fall under the same category as the unfair charges on a 1st charge mortgage? Wonder if ell could shed some light?

Could you use some of the same arguments on your secured loan as you did on your mortgage court hearing?

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that cant be good, surely some of their charges fall under the same category as the unfair charges on a 1st charge mortgage? Wonder if ell could shed some light?

Could you use some of the same arguments on your secured loan as you did on your mortgage court hearing?

 

no not really,i didnt have an argument about the arrears,i was in arrears end of.what concerns me most is why the charges just build up and up and up so that i can never realistically repay the whole now owned amount.on the second charge.as in it is not equitable as to how the main mortgage did not apply,or at least i dont think they had,vast interest demands applied to the total balance that is now applied to the secured second loan.

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  • 2 weeks later...

thank you all for advise and guidance,i would like to ask one more question if i may,

 

i can make a payment this month just full amount as per court order,but,

now i have become out of work again within a week of the court order date and the statement of means. so:| will have to wait until i get regular income again,and say make a part payment,in the next month,is that it,all lost ?

they get the property ?

i can make this months payment at end of june,but worry that i wont be able to next month,i have had a letter from the court granting posession if the payment is missed with the extra on top.

sorry to ask advice on this,i i know many are in similar situations and the advisors are very busy,i would just kindly like to ask,what are my options if i cannot meet the next months payment,knowing the mortgage company now hold the aces and will probably not now give anymore time.my self employed self cert mortgage was ok before the credit so called crunch,but now,like many out there,what can we do if work stops and we still have a history of full work ?

Edited by helpasker
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Hi there, you've said you can make June's payment so you have a little breathing space. If you haven't secured any new employment by mid July - write to them and advise of the situation (we can help you with the letter), this will put you in a good position if they do take further action which you would have to defend - it will show the judge that you have communicated with them and not just left the situation.

 

As I said, make June's payment and take it from there - you may be lucky and get a new job fairly quickly.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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