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    • The reason for the photos is to show you weren't displaying a permit.  They are supposed to check that the permit hadn't fallen off the dashboard. There is no point in appealing to PPM.  The very people who deliberately set up the site with rubbish signage to catch motorists out are highly unlikely to find against themselves. You've said several times that you think the company who you met with called PPM in so these are the people you need to contact in writing to request they call PPM off.  Until you do so we're going round in circles. If you don't want them to have your e-mail address simply set up a secondary e-address.  
    • Please see attached redacted judgment for further infoVWFS (UK) LTD - Salisbury CC - Judgment - 20240507 V Final _copy redacted.pdf
    • 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. 
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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.

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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
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Experian blagging me????


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Hi all,

 

I recently rejoined credit expert as a ccj was due to drop of my report. I found I had a default for wonga and I owed them £375. This wasn't the case so I rang wonga, the confirmed it wasn't the case and they would notify the cra. Great I thought!

 

Now the problem is Experian have told me that they have heard from wonga and will remove the default and any arrears. I'm still waiting after2 weeks! Experian keep saying there is a technical fault and unable to update any files because of it. This to me feels as if they are lying to me and strange? Any ideas?

 

Also if this continued who do I complain to? This info is wrong and they agreed to remove it. Do I write to the oft?

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Issue an N1 court claim to Experian, claim £1,000 as well for the incorrect entry and provide proof that Wonga have said the default is incorrect.

 

To my knowledge PDL companies should NOT be issuing defaults as once the loan period has ended THAT IS IT. If the loan hasn't been settled then it stays as an active account, they can't issue defaults as the termination has automatically taken place. (I may be wrong on this but Sections 86/87 of the CCA act apply here).

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Go to the Information Commissioner and complain that Experian are not fit to be data controllers, not updating systems for 2 weeks seems rather odd, as you rightly say, and they HAVE to be held responsible for their own dealings.

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Go to the Information Commissioner and complain that Experian are not fit to be data controllers, not updating systems for 2 weeks seems rather odd, as you rightly say, and they HAVE to be held responsible for their own dealings.

 

Brilliant, thanks for this. I had a loan with them but only for a month and paid it off, it helped short term. Going to ring creditexpert again and tell them it's not on and will be contacting the info commissioner. I'm actually paying these £15 a month for the privilege also!

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As a personal and professional user of the CRA I am aware of a delay

due to tech problems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well this so called tech problem is causing my credit rating to suffer. Surely it can be done manually ? It's just a removal process. I'm really annoyed as it is with a default being placed for no reason without them saying it's a tech problem. This is what they do as a business. If a mobile phone shop ran out of phones then I guarantee the very next day they would have more stock. I'm paying for a service I'm not receiving from them.

They have kindly refunded £8 of this months £15.

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I do remember being told the files are updated monthly, I can see no real reason to

complain over a two week delay.

I presume that you are referring to the Experian Credit Score when mentioning rating, as this in not seen by

potential lenders and is intended for your information and guidance only it is not

a disaster.

I am no lover of the CRA's at all but there is a lot of myth and legend about credit scores,

the Banks and other lenders use the ID information CEFAS and Gain, they have theit own in house

scoring systems which sensitive commercial secrets.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I do remember being told the files are updated monthly, I can see no real reason to

complain over a two week delay.

I presume that you are referring to the Experian Credit Score when mentioning rating, as this in not seen by

potential lenders and is intended for your information and guidance only it is not

a disaster.

I am no lover of the CRA's at all but there is a lot of myth and legend about credit scores,

the Banks and other lenders use the ID information CEFAS and Gain, they have theit own in house

scoring systems which sensitive commercial secrets.

 

So what you're saying in effect that this default showing on my credit file that shouldn't be there doesn't effect my credit rating? What's the point in paying the £15 a month then?

 

This is the only bad thing I have on my file, everything is paid on time, my balances are paid in full every month and my personal score is 371, very poor!

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If you complain then they MUST respond within 28 days. Then you can get heavy with 'em :)

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi, my file is showing in the six hundreds, I have no O/s Balances ,no late or missed payments, but I did a common

thing for these days and did a bal transfer to a cheaper card result drop from 890 to 680.

I have one disputed default that is small and it has had no impact on credit applications what so ever.

You could have put a dispute notice in you file as soon as the default was first registered Experian will do this over the phone.

As to paying £15 a month I don't know my person Experian account is 6.99, the professional one a hell of a lot more.

Many factors affect the score, available and used credit, but as said the score is not seen by others.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Brig, if you phone up to cancel your Experian account they'll reduce that to £3.99 pm mate ;) ;) ;)

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I don't have to pay for it any way for personal but it shows as £5.99 for exes.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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exes?

 

hmmm...loadsa hints...you don't work for a CRA do you????

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Can anyone help me? Please. I found out that Wescot were trying to get in contact via my old adress. I found out and tried to contact them to set up a payment plan. Now they tell me that they have passed this on to CREDIT SECURITY LIMITED. I just wanted to know if this company is legitimate and will they allow me to set up a affordable payment plan? Or shall I start panicing now. Will they force me to make full payment? Will they take me to court? I really wanted to settle this with Wescot, but now it seems too late. Can any one advise me. :'(

I appreciate it was myself who didnt make payment to the original holder (Barclays) So I want to pay this back through a payment plan but have heard some worrying things about Credit Security.

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You must bl**dy joking some here know my profession:nono:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Can anyone help me? Please. I found out that Wescot were trying to get in contact via my old adress. I found out and tried to contact them to set up a payment plan. Now they tell me that they have passed this on to CREDIT SECURITY LIMITED. I just wanted to know if this company is legitimate and will they allow me to set up a affordable payment plan? Or shall I start panicing now. Will they force me to make full payment? Will they take me to court? I really wanted to settle this with Wescot, but now it seems too late. Can any one advise me. :'(

I appreciate it was myself who didnt make payment to the original holder (Barclays) So I want to pay this back through a payment plan but have heard some worrying things about Credit Security.

Hi, you,ll worrying things about DCA's some a just worse than others,panic will not help.

Have you had anything in writing yet, Notice of assignment or Default notice from Barclays?

Please give us some more details so we can advise.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well I have not heard from Credit Security yet as they are closed today. I only just found out from Wescot. I didnt recieve a default letter from Barclays as they never had my new address either. I really want to establish if Credit Security will force me to pay in full or do they allow payment plans? thanks

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That is a difficult question to answer, they may enter in to a plan for you or may not.

Is this a credit card account or current account and how old is it?

You cannot really do much until they contact in writing.

Never fall for their telephone us ploy they will only try to intimidate you in to admitting liability

or giving bank details etc. iit's the biggest no on:nono:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I don't have to pay for it any way for personal but it shows as £5.99 for exes.

 

 

I was paying £7.99 before that was in April, now they are saying it's £15 so you can check your score as well at anytime for free.

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Now whts the phrase I looking for? Ah yes RIP OFF:!::jaw:

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've just been on the phone with them again and questioned the monthly fee. If you were to cancel your current membership then say in two months renew it, you would also be paying the same as me as this is the only membership they do now. Apparently the fault has now been fixed and the default should be removed in a couple of days or so. They have a back log to get through.

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seriously mates, when i called up to cancel they offered to reduce the £7.99 to £3.99 and they clearly have different rates of rip-offs on the go.

 

whatever else, do not buy their credit score. As we know, CRA credit scores are toilet paper and a total rip-off. Brig, put him in the picture!

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I have posted many times about CRA reports.

Lets be very clear:

THE CREDIT SCORE YOU SEE ON YOUR REPORT IS FOR YOUR PERSONAL INFORMATION IT IS NOT SEEN BY ANYONE ELSE.

BANKS/CREDIT CARD ISSUERS/LOAN COMPANIES/INSURANCE COMPANIES.....USE ONLY PARTS OF THE REPORT :

THE ID INFORMATION, VOTERS RECORDS,GAIN INFO. CIFAS INFO, AND OBVIOUSLY CREDIT MANAGEMENT INFO,THEY ALL HAVE IN HOUSE

SCORING METHODS.

DFAULTS REMAIN FOR 6 YEARS, AS DO OTHER RECORDS.

EARCHES FOR OUTSTANDING DEBT AND DEBT COLLECTION ARE ALLOWED AND ARE SEEN BY LENDERS.

 

ID SEARCHES FOR INSURANCE QUOTES etc. HAVE NO IMPACT ON THE CREDIT RECORD.

 

MULTIPLE AND FREQUENT CREDIT APPLICATIONS DO HOW EVER IMPACT AS THEY INDICATE PERHAPS A RECKLESS REGARD FOR FINANCIAL PROBERTY.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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