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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?    
  • Our picks

    • 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
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      • 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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Engage Trying to evict me- Help+ lots of Fees to get back ! EVICTION STOPPED


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Hi

 

Sometime ago you all helped me get a suspended possession order. When I went to court the Judge looked through our finances and said what I was offering per month was a little too generous so he fixed a figure of CMI plus £170 per month.

 

We have been paying this faithfully ever since and have never missed a single payment if CMI or arrears amount. The mortgage company have been absolutely fine until end of last month when I went to pay my mortgage. Suddenly I was told my agreement had come to an end and they were looking at us to increase our payments to clear the arrears sooner. I said nothing has changed I cannot pay any extra. The person said I would have to fill in new I&E forms and they would review it.

I have now received what I would call a threat-o-gram. In it they state fill in the forms and return with supporting evidence within five business days or "we will expect a payment to clear the remaining arrears within 5 working days"

 

They then mention about me incurring a fee for every month I'm in arrears, well we haven't been charged one all this time, but it does add "Where a performing arrangement fee is in place we will waive this fee"

 

Can they do this? Surely the arrangement, as put in place by the judge, stands until and unless I either clear the arrears or I default on payments?

 

Can they suddenly demand more if the Judge set the figures as per our I&E which hasn't significantly changed?

 

I must add the arrears are due to be cleared completely within the next 5 months so this seems a bit daft to start fussing about it now. But what should I do!

 

Thanks

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I'm sure Lea or Ell-enn will help you here, but they generally come on later in the day.

 

If you have a Court Order it is not up to them to change it, unless the Judge stated that there could be a review after a specific time period, but from what you say the Judge would have worked out that the arrears would all be paid off in the period due to end in five months' time?

 

I'll make sure Ell-enn or Lea sees your thread later.

 

DD

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I'm sure Lea or Ell-enn will help you here, but they generally come on later in the day.

 

If you have a Court Order it is not up to them to change it, unless the Judge stated that there could be a review after a specific time period, but from what you say the Judge would have worked out that the arrears would all be paid off in the period due to end in five months' time?

 

I'll make sure Ell-enn or Lea sees your thread later.

 

DD

 

Thank you, as far as I remember there was no review on it and the first I heard there would be was when I phoned to make my payment, it was almost has if they though 'oh this person has been paying without problems,we can't have that' and decided to fiddle around with it. I am confident that having paid it for so long without problems we will make the final 5 no problems, so what are they trying to do? Grab my house now before they lose their chance AND they aren't exactly playing fair Re they, only giving me 5 working days to write and send them an I&E or pay the full arrears?

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So the arrears outstanding are £850 and you've paid as the judge ordered. Of course they would love to grab your house, which is why they are stirring things up now. As Lea said on another thread recently, you won't lose your house for that amount of money, especially as you've been paying as agreed.

 

Wait to see how she or Ell-enn suggest you should reply.

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Daniella is spot on: they're not in a position to think they can usurp a court order. Bad form on them for trying to even suggest that to you.

 

Write to them - inform them that there is a court order in force allowing you to pay CMI plus £170 per month towards the arrears and that if they wish to vary this court order, that they will need to return to court and ask the judge to vary it. Tell them that they are not in a position to do this unilaterally and that you take their attempt at misleading you into believing that they have this power as unfair and will report any further such attempts to the relevant financial ombudsman. Tell them to treat the letter that you write as an official complaint which requires a response within 14 days from the date of the letter and that you will reclaim any charges they illegally add to your account as once a court order is in place they are not at liberty to add charges unless the order is broken (which it has not been).

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Oh, and try not to worry - you've done well keeping to the court order, so even if there was a blip now with a missed payment, the court would take into account your excellent attempts at reducing the arrears, rather than pay too much attention to the fact that you've had a minor blip.

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The reason we got behind originally was because we had both within the space of something like two months been forced onto reduced hours at work on a temporary basis. We always made clear that it was short term due to the needs of our work in the tough financial times. But we paid the CMI and arrears then and haven't missed a payment ever since. So we have proved it was a short term problem and we're ok but £170 is a lot to find each month so I can't really afford more than that, even though I'd be happier to clear the arrears even quicker.

 

Quite bizarre, to me there must be people far easier to chase than us!

 

So I should write to them within the 5 working days they mention just to be safe and state the above? Thanks, I will get onto it right away.

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You are definitely safe...don't worry, they can't do a thing without the agreement of the court and on the facts as you presented them, they simply won't be able to persaude a court that you should pay more, or that they be allowed to execute the warrant.

 

Yes, write to them.. No reason to be courteous and give the standard 14 days for a response since they haven't bothered to allow you even a week.

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Thanks. It is worrying to receive a letter like this, especially when we have been vigilant in paying every month since we got back on track. The end was in sight of all the arrears business until this letter arrived. Makes me wonder what their next attempt will be!

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Just had a phone call from them. No mention of their letter, they said they just wanted to check all out details are the same. So they are sending it off to the team to confirm our arrangement is still in place...er...it's a court supported judgement so how can the mortgage company not agree to it?

 

Then he asked me if we had ever tried to sell or were planning to sell in the future. Why suddenly mention this? What are they planning by asking this? We're they trying to see if I'd say, "no but it would be easy to sell" and then they would try and evict me. I don't know what to think now.

 

Do they think their threat-o-gram didn't work so they will try a different tactic?

 

Any thoughts?

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  • 7 months later...

Hi,

 

Please can someone just confirm whether a mortgage company can add anything to the arrears balance other than actual arrears?

 

I was in arrears (now cleared) so had to additional balance amounts other than the main mortgage account, one fees balance and one arrears balance.

 

Each month I was paying off the arrears then suddenly the balance was going up each month slightly. It seems even though I have my own buildings insurance they were charging me for their own version. As I refused to pay for this insurance when I made my monthly payments and arrears payment they decided to add it to my arrears balance. Is this legal?

I have sent them several documents proving I have the insurance which they were happy to accept last year. Are they in the right!

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Apart from the fact you cannot be insured for the same risk twice, if you have sent proof of cover they should not continue adding the charges.

 

I suggest a Formal Complaint Letter to director level of the mortgage provider, this must be properly investigated and responded to within 56 days.

 

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Apart from the fact you cannot be insured for the same risk twice, if you have sent proof of cover they should not continue adding the charges.

 

I suggest a Formal Complaint Letter to director level of the mortgage provider, this must be properly investigated and responded to within 56 days.

 

Use recorded signed for post check date delivered, Do Not use an address with a PO Box Number.

Thank you, I was sure this couldn't be right. Plus they are charging me £51pm for just buildings cover. I'm getting insurance including contents and accidental cover for half that! Greedy, grasping idiots! I'll take your advice and get writing. Thanks.

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put in a claim for the excess buildings insurance

 

and don't forget at THEIR int rate too.

 

and if they've added any PENALTY [arrears/letter/late/phone call] fees

get them back too!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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can we guess who this is please ?

 

I think I already know/

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ah so its ben sold on

 

engage buy mortgages that have had problems or firms books that have closed.

 

who was the original with?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

put in a claim for the excess buildings insurance

 

and don't forget at THEIR int rate too.

 

and if they've added any PENALTY [arrears/letter/late/phone call] fees

get them back too!

 

dx

The premiums have just sat there while the arrears were being cleared.

 

Each month I paid the amount I agreed with the SPO to clear the arrears

but they were using £51 of that each month to pay off these premiums,

which I don't think can be right.

 

So could I actually claim any interest back or just a refund?

 

Another question actually now I think of it. Now the arrears are cleared do I need to do anything/should they do something to show the arrears are cleared? I mean does this mean the Suspended Possession Order is now voided and do I need to get proof of that so they can't ever try anything in the future?

I don't foresee any future problems as this was from a time when we were both on reduced salaries. I am so pleased we are arrears free at last.

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yes of course you can claim back the payments at their int rate.

 

I bet they've levied it on you.

 

CISheet v101.xls

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

I am resurrecting this thread because I have been looking at all my old statements today and

 

 

it definitely shows their buildings insurance premiums being added every month (which I refused to pay)

 

 

so they kept adding them to the arrears balance.

 

 

The refunds were made but sometimes months and months later, so I would imagine I was charged interest in the interim.

 

Additionally, when we had some financial difficulties a few years ago, this lot were charging us a lot of arrears admin fees etc.

It got to the point of litigation.

 

 

Up until then the statements show one debit each month for the interest charge (it is an interest only mortgage)

but after the solicitor costs went onto the account things changed.

 

 

Since then it shows interest charge for each month and then underneath that 'Additional interest charge' of around £35 - 40 every month.

 

 

Our account was in arrears for months before hand and no additional interest charge appears,

then suddenly post the court case, additional interest is now a separate charge,

which gradually reduced as the arrears did (now long since cleared completely)

There is still a fee balance of the account but no arrears anymore.

 

What is that additional interest thing?

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int on the arrears and penalty charges and sols fees

 

 

they cannot do that.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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int on the arrears and penalty charges and sols fees

 

 

they cannot do that.

 

 

dx

Well every month it's there for a year or more. Averaging around £35 pm. When they refunded me some of the buildings insurance premiums this came off the arrears balance. But I didn't think it should have ever been added to the arrears balance in the first place?

 

So would these amounts be claim able too? I'm sorry to ask but I find this all very confusing.

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