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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.
      • 1 reply
    • 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
      • 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
        • Like

Cap1 & CCA return


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Hello bello217!

 

Welcome to CAG!

 

I wonder if PT257 could confirm the details of the case that is due to be heard in Cardiff and when

 

I may have missed a Post. Which case are you referring to? If you can link to when this was mentioned, or copy up the details from further back in this Thread, that would be helpful.

 

Cheers,

BRW

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thanks Magda

 

Have just put post on that thread, must admit I am struggling to find my way around this site a bit as the threads are not easy to follow

 

You'll soon get the hang of it, mind you, I often get confused, and I've been on here for a while now:)

 

Magda

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

 

You need to post on here a copy (with blanked out personal info) which I am sure one of the site team will then advise if it is enforcable. Have you had DN and or termination and has anyone yet checked whether they are properly issued?

G

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

 

 

Consumer Credit Agreement(Cancellation Notices and Copies of documents) Regulations 1983

Allow for the omission of certain prescribed terms in a copy...signature being one of them.

 

However as Gallahad said post up your application form/agreement minus personal info...

 

Next step will be to inspect it as to form and Content

 

I am sure just to reiterate that a site team member more experienced in these matters will be on hand to help you

 

However you have said that it is an application form...it is important therefore to see that it does NOT contain certain prescribed terms as to FORM as well as content...such as ''this is a fixed sum loan regulated by the Consumer Credit Act 1974''

 

It should also contain the appropriate cancellation notices depending on the type and nature of your agreement including the circumstances leading up to concluding the agreement such as where the negotiations and the signing took place.

and....''sign this only if you want to be legally bound by it'' or words to that effect

 

It may after all be a mere application form truly unconnected with the other documents that they sent you or have not sent you as the case may be

 

rgds

 

m2ae:)

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

gosborne

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

 

Did you tell them on phone you had received no letter?

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

 

MDR = Moorcroft Debt Recovery

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gr osborne, has started a new thread and is getting advice.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi can any one help, i recieved a phone call form mdr claiming i owe a dept to them , can any one tel me please who mdr are?. allso if they are acting on behalf of someone else. and they say have sent letter but i have not had one also can i send a letter to ask for details

 

Might be NDR rather than MDR - Nationwide Debt Recovery.

 

Ignore them until you get something in writing, if they phone again ask them for a copy.

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Hi i have just received a signed copy of the original credit card application form from nationwide but this does not prove the debt does it? don't they have to give me a credit agreement signed?

any advice much appreciated i'm trying to help out a friend who is facing a charging order on his house in court on friday! he has left it very last minute but anyone got any ideas??

 

You have posted very little information so it is difficult to give opinions but I will try.

 

If your friend is facing a charging order on friday I would imagine that the case has already been to court and a judgement issued previously. I would also imagine that they have been ordered to pay the debt and have failed to do so.

 

It would therefore not be a good idea to try and dispute the debt at this stage as it should have been done prior to the original hearing.

 

If this is anywhere near the facts then the best option would be for them to go to court with an income and expenditure statement and make an offer to pay reasonable monthly payments which are affordable. They should request that they are given chance to make these payments and explain to the court that this resulted from an unsecured debt which was never intended to be secured on property.

 

They should also explain that they now have reason to believe that there may have been reasons to defend the original case but they did not have the knowledge to do so at the time and realise it is not the time and place to do so now. However, to grant a charging order to such a large institution against the family home, at a time when the government are looking into restricting such orders, will cause stress and uncertainty to the family and an order to make monthly payments would appear to be a much fairer solution.

 

As it is friday it would make more sense to look for supporting information on the points I have mentioned and the prevention of charging orders rather than the validity of the agreement which will probably not concern the court.

 

Just my opinion and if the facts are not like that I have just wasted my time. Never mind.

 

Pedross

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Good morning, hope someone can help.

 

I am in the process of trying to get a cca from mbna (August 2009) and to date have not received anything. They have rang me this week saying that if I don't pay they will sell the debt to someone else. My questions are:-

 

1. If they sell the debt, does this company still have to get the cca.

2. I am thinking of talking to mbna and get the debt reduced and pay them something on a monthly basis, has anyone else done this.

3.It seems that even if they don't have the correct terms in the cca, they can still win, is this so.

4.My credit card has been with mbna for 10 years, what is the likely hood they have it and if they don't does this make a differance when going to court, compared to them going to court with a signed one but the terms are wrong.

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Good morning, hope someone can help.

 

I am in the process of trying to get a cca from mbna (August 2009) and to date have not received anything. They have rang me this week saying that if I don't pay they will sell the debt to someone else. My questions are:-

 

1. If they sell the debt, does this company still have to get the cca. Yes

2. I am thinking of talking to mbna and get the debt reduced and pay them something on a monthly basis, has anyone else done this. It's certainly possible, but don't do it over the phone. There are plenty of budget sheets available to help you work out what you can reasonably afford.

3.It seems that even if they don't have the correct terms in the cca, they can still win, is this so. It does seem to heavily depend on the judge, and what they actually come up with. I would never suggest taking a creditor to court, but if they issue against you, you can defend on the basis of an unenforceable agreement.

4.My credit card has been with mbna for 10 years, what is the likely hood they have it and if they don't does this make a differance when going to court, compared to them going to court with a signed one but the terms are wrong. They may or may not have the agreement, it's luck of the draw, but if they do have it, why haven't they sent it to you yet?No agreement at all should put you in a stronger position than missing prescribed terms, for example, but there are never any guarantees.

 

Hope this helps. If you need more advice, it would be better to start your own thread.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Thanks for your reply reallymadwoman. I might try and see if they will take a reduced amount and do it 0%, if they have not got the cca then this would put me in a stronger position. Does anybody know if there is a thread for settling for a reduced amount, there are so many threads and replies sometimes it is like looking for a needle in a haystack?

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I agree with DD ( I usually do -because he's a clever grandpa like me!).

 

I was offerred a 35% F&F deal on 2 cards I had with MBNA and 2 with A&L (also owned by MBNA). I settled a total of over £35k card debt for just over £11k - BUT I have since read that MBNA had shredded a lot of cca's in 2005/2006 - so I could have saved that £11k too!

 

As DD says, the chances are that, if they are selling the debt, they don't have an enforceable cca. Also they will need to give you a Notice of Assignment if they sell - and this should come by recorded delivery but rarely does - so another possible future loop hole (along with a dodgy DN) for you if you play a waiting game right now.

 

Also remember the reconstruction applies to S 78 - not to the enforceability of the debt where I believe you can still insist on the original signed cca being shown before the judge can order payment.

 

In short - do nothing until you know more about the cca other than go down the cca route, account in dispute etc.etc. This may get them to move on issuing a DN and then a TN - and they may be dodgy so limiting your liability to arrears at time of DN.

 

Hope this helps!

 

BD

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