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    • We need to see the actual document from the IAS where it is written - "The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." You can't just type it up yourself. At the hearing in July or August or whenever the judge will have two Witness Statements. One from Bank's director says you never made a second appeal. You say you did make a second appeal and the IAS concluded that payment was made. The judge will immediately twig that either you or the director is lying.  But who? Fail to show the documentation form the IAS and instead just produce something you've typed yourself will make it look like you just made up the appeal and you are lying and you will lose the case. Please let us see what the IAS adjudicator sent.
    • I used to have a retail outlet in London selling my husband's photography.  We also had a co-op with staff so they weren't directly employed by me, but I paid for the other overheads etc.  When my husband died, I carried on as usual for a while but then I became ill and moved quite far away so logistically was becoming very difficult.  I came to an arrangement (verbal) with one of the guys I trusted, that I would send him the images to print and sell as normal, and I wouldn't take any money, as a short term solution until I got back on my feet and worked out the best way to do things. He would pay all the  rent, insurance etc... Over a year later, not able to give things away for free anymore,  I drew up a contract as a wholesale agreement, so I would get everything printed and sent to him and I would invoice his for what he ordered. I noticed form the beginning that he wasn't ordering enough or frequently enough to be making any money, and was suspicious he was doing his own orders on the sly and ordering just enough from me to keep my happy.  I checked with my printer, which I've been with for 20 years, and he sad he wasn't getting orders for my images from anyone else. I emailed a few other printers to ask them to keep a look out for some images but I soon realised this would be impossible to police.  The only option really would be to buy a print from him and check the stamp on the back of it.  I finally managed to get hold of on the prints on sale, and sure enough, he did not order it through me.   In the contract he signed in 2022 it explicitly states that he must destroy all files I had previously sent him etc etc so e is in breach of that.  When I drew up the contract, I was careful to make sure it was legally binding, but before I let rip at him, I need to know where I stand.  The contract is here: PARTIES This WHOLESALE AGREEMENT (“Agreement”) is made effective as of 30th June, 2022, by and between ############################## The Supplier and the Client, collectively referred to as the "Parties," hereby agree to the following terms: TERMS AND CONDITIONS SALES OF GOODS The Supplier agrees to provide the following goods to the Client (“Goods”): Description of Goods ################################# Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b BOTH PARTIES AGREE: The Client purchases the Goods through the Supplier directly, and agrees to delete/destroy any previously held digital images (Goods) owned by the Supplier, and agrees not to use any such files for monetary gain, outside of this agreement, either directly or through a third party from immediate effect of this agreement. The Client purchases the other materials necessary for resale of the Goods independently of this agreement. The Client shall have exclusive rights for resale of Goods at ###########, and also with permission, as a retailer of the Goods elsewhere, provided that there is no conflict of interest between the Supplier and the Client. The Client is free to decide their own retail prices, for the Goods. The Supplier shall use #####  to provide the printed Goods on Fujifilm Crystal Archive paper, with Lustre finish, and will not use any other Printer unless #### cease to trade, without prior approval from the Client. The Supplier shall not impose restrictions on size or frequency of orders made by the Client. The prices provided by the Supplier shall not increase for a minimum of 3 years, unless the prices of the raw materials rise, in which case the client will be informed immediately. Any discounts/promotional prices of raw materials shall be passed on to the Client by the Supplier, and the invoice will show adjustments for this, as well as credit for return postage of any damaged goods. This agreement can be terminated by the Client without notice; the Supplier must give notice of no less than 90 days, unless the terms of the agreement are breached, in which case, the agreement can be terminated with immediate effect. PAYMENT Orders must be paid for upon receipt of invoice, via Bank transfer: ######### Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b DELIVERY AND INSPECTIONS All orders received by 12.00am (midnight) shall be processed by the Supplier the following working day and delivery of order shall arrive in accordance with the Royal Mail schedule, or DPD, should express delivery be requested. The Client shall be liable for the delivery charge which shall be added to the invoice. The Goods will be delivered to the address specified by the Client. The Client shall be provided with order tracking, and should any problems arise with the ordering system or the couriers (Royal Mail, DPD), the Client shall be informed without delay of any such issues. The Client will inspect the Goods and report any defects or damage to the Goods in transit as soon as possible upon receipt of Goods, and will retain damaged Goods for return to Supplier for refund/replacement. GENERAL PROVISIONS CONFIDENTIALITY The prices of the Goods and other information contained in this Agreement is confidential and will not be disclosed by either party unless with prior written consent of the other party. INDEMNIFICATION The Client indemnifies the Supplier from any claims, liabilities, and expenses made by any third party vendors or customers of the Client. GOVERNING LAW This Agreement will be governed by and construed in accordance with UK Law. ACCEPTANCE Both parties understand and accept the wholesale arrangement stipulated under this Agreement. Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b IN WITNESS WHEREOF, each of the Parties has executed this Wholesale Agreement as of the day and year set forth above.   Signed by us both electronically.   I haven't broached any of this yet, and I am looking for some advice about what action to take.  The main issue I've got is that he has still go those images.  If I terminate the contract, I will need to know that he no longer has those images and I can't think of a bulletproof way to do this. I'm thinking I might tell him I will continue with the contract but ask for a  sum in damages and say that if I find out he's still doing it down the line I will terminate the contract and sue him for damages. The damages side of things I'm not sure how it would work as he is self employed, and I'm positive he doesn't declare all of his earnings to HMRC, in order to find out how much I have lost, would the court demand to go through his tax self assessments?  I'm not sure how to proceed with this, I don't want to lose that place as an outlet as it is in a prime spot in London, which is why I let him have those images in the first place as I would have had to pull out altogether at that point.  I am regretting it somewhat now though.  Please help.
    • I cannot locate anything in my paper work that states 2 payments were made? Perhaps you could point this out? In reply from IAS it states "The ticketing data has been attached" nothing was sent to me. I made a response to the IAS all this was done online
    • Thanks again for your responses. The concern I have here, is that freeholder of the land (a company, who presumably would have been the ones to have initially instructed PPM to manage the parking here), will have proof of exactly how long the vehicle was on site for, as the driver was meeting operatives from that company on a separate matter. On this basis, if the matter was to get to court, I feel all the other technicalities about signage, size of signage/font, lack of start/finish times, will not be enough to have any case dropped? This PCN was brought up to the freeholder but they have advised that PPM will not waive this charge. 
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Swift Sterling/speed credit threatening bailiffs Advice please!!!


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post 42

 

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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You now complain about that text to the OFT and the FOS and Trading Standards

 

They CANNOT charge you as if you still have the loan, that is wrong, the original term has ended and any charges now shoul theoretically be at 8% per annum statutory interest.

 

They are having a laugh pretending they are 'fully compliant' when they are not. Goodness knows what T&CS they provided to the OFT to get a licence - certainly NOT the ones they are operating under.

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Have you written to them with a repayment proposal yet?

 

Reading back I notice you are in receipt of benefits. If you haven't, i would reply in writing, stating that you are in receipt of benefits, in financial hardship and are therefore only in a position to pay £1pcm. Finish the letter by stating you will ONLY deal with this matter in writing.

 

You will get two responses.

 

1. It will be either ignored/rejected, in which case you just write again with the same offer.

2. They will consider your proposals but only on the basis that you supply them with your debit card information to set up the payments. NEVER do this. They'll just take whatever they want. ONLY ever use a standing order, or pre-loaded credit card.

 

Although nothing at all will happen if you ignored them, i think it's worth making a token offer of repayment, because in the hugely unlikely event of them taking you to court, you will be able to show that you were willing to tackle the debt, and they will have to explain the farcical fantasy land charges.

 

If they continue to text and phone, send them the telephone harassment template. There's one in the Templates library here, which quotes the relevant legislation. The law is there to protect you, so use against these clowns.

 

Other than this, I think the only other weapon up their sleeve is a letter which will threaten you with Police action as you have "fraudently taken out a loan" or something. Don't be intimidated in the slightest by it. It's verging on the comical.

 

Lastly, copy EVERY bit of correspondence to the OFT/FOS. You may also want to involve Stella Creasey MP who is apparently working on proposals to deal with these crooks.

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  • 2 weeks later...

Hi guys

 

Have been following advice and complaint made to OFT. Also had some advice from CCCS who are willing to help me if I send back the paperwork - still trying to sort them out myself though. Anyhoo, just got this from Marshall Hoares:

 

PRE-VISIT Notice

 

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref: ******

 

Amount: 639

 

Date: 07/05/2012

 

You have failed to make suitable repayment arrangements concerning the above arrears which remain outstanding.

 

Our recovery Agents will now visit your premises to arrange payment . This will involve a person visiting you to demand payment. Should the payment not be forthcoming, further visits will take place until we have payment in full. All visits may be chargeable.

 

You must make the IMMEDIATE FULL PAYMENT of all outstanding amounts (as shown above) to prevent this action from commencing or contact us to arrange a suitable repayment plan.

 

YOU HAVE 3 days FROM THE DATE STATED IN THIS NOTICE TO MAKE PAYMENT

NOTE: THIS IS YOUR FINAL CHANCE TO AVOID COURT ACTION. NO FURTHER WARNING WILL BE GIVEN

 

A fully prepared case will be sent to your local County Court for Judgment against you as well as agents instructed to your door. After a successful judgement we would seek a Warrant of Execution to seize goods and / or obtain an attachment of your earnings to have this debt deducted directly from your salary, this would require us to liase with your employer.

 

WE ADVISE YOU TO CONTACT US IMMEDIATELY on 08433811111

 

Yours Faithfully

 

 

 

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

Should I still not be worried by this? (I am rather) Can anyone help me write an email to them? Can't help feeling like I should defend myself somehow - I don't want them saying "she never replied to our emails" to a court??

 

Advice please!!!

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Have a good read of http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

And im pretty sure it was marshall hoares that ceased trading, otherwise it was a company with a very similar name.

 

 

 

Name & Registered Office:

MARSHALL HOARES BALIFFS LTD

15 LYNDHURST TERRACE

LONDON

NW3 5QA

Company No. 06871092

 

 

 

 

 

Status: Active

Date of Incorporation: 06/04/2009

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC):

7499 - Non-trading company

Accounting Reference Date: 31/08

Last Accounts Made Up To: 31/08/2011 (DORMANT)

Next Accounts Due: 31/05/2013

Last Return Made Up To: 06/04/2011

Next Return Due: 04/05/2012 OVERDUE

Highlighted documents are not yet available for inspection

Last Members List: 06/04/2010

Previous Names:

Date of change Previous Name

08/02/2011 TOOTHFAIRY FINANCE (CHEQUE CASHING ) LIMITED

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi guys

 

Have been following advice and complaint made to OFT. Also had some advice from CCCS who are willing to help me if I send back the paperwork - still trying to sort them out myself though. Anyhoo, just got this from Marshall Hoares:

 

PRE-VISIT Notice

 

Client: Speed Credit - Speed Credit Pay Day Loan*

Client Ref: ******

 

Amount: 639

 

Date: 07/05/2012

 

You have failed to make suitable repayment arrangements concerning the above arrears which remain outstanding.

 

Our recovery Agents will now visit your premises to arrange payment . This will involve a person visiting you to demand payment. Should the payment not be forthcoming, further visits will take place until we have payment in full. All visits may be chargeable.

 

You must make the IMMEDIATE FULL PAYMENT of all outstanding amounts (as shown above) to prevent this action from commencing or contact us to arrange a suitable repayment plan.

 

YOU HAVE 3 days FROM THE DATE STATED IN THIS NOTICE TO MAKE PAYMENT

NOTE: THIS IS YOUR FINAL CHANCE TO AVOID COURT ACTION. NO FURTHER WARNING WILL BE GIVEN

 

A fully prepared case will be sent to your local County Court for Judgment against you as well as agents instructed to your door. After a successful judgement we would seek a Warrant of Execution to seize goods and / or obtain an attachment of your earnings to have this debt deducted directly from your salary, this would require us to liase with your employer.

 

WE ADVISE YOU TO CONTACT US IMMEDIATELY on 08433811111

 

Yours Faithfully

 

 

 

Door Collections

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

 

Should I still not be worried by this? (I am rather) Can anyone help me write an email to them? Can't help feeling like I should defend myself somehow - I don't want them saying "she never replied to our emails" to a court??

 

Advice please!!!

 

its a threat-o-gram and no doorstepper has ANY legal powers and NEITHER do the hoares even IF they do still exist

 

they a NOT operating under their bailliff role in this instance

 

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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Being Dormant doesn't mean they are not trading, it usually means that they are in some kind of changeover so it might be worth checking Companies House for any name change again.

 

Marshall Hoares may have registered bailiffs but these bailiffs are powerless when collecting common commercial debt, which is what a payday loan is. The bailiffs cannot use their bailiff powers unless a court order has been breached.

 

That message and any others you get (sounds like their standard countdown message) MUST go to the OFT.

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  • 2 months later...

its curious how you received the following breakdown

 

You currently owe:

 

Loan and interestlink3.gif GBP196

Cash Transmission Fee GBP 5

Missed Payment Fee 1 (day 29) GBP 10

Solicitors - Case Prepar ation GBP 150

Missed Payment Fee 2 (day 43) GBP 10

NDR Accept Case File GBP 200

 

Repayments todate GBP0

Total GBP 571

 

 

 

i likewise received this breakdown in the last few days. However i have made an extension payment of £48, i made a payment of £40 to avoid the extra charges and a token payment of £10 towards this balance yet they are still demanding the amount of £571 from me also. Seems a set amount they try to attain. you can see the issues im having in my thread i posted today giving me a nervous breakdown.

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£10 missed fee is classed as a penalty fee and is reclaimable.

 

Solicitors case preperation is classed as an unfair charge and is reclaimable. Same with NDR case file crap.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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its curious how you received the following breakdown

 

You currently owe:

 

Loan and interestlink3.gif GBP196

Cash Transmission Fee GBP 5

Missed Payment Fee 1 (day 29) GBP 10

Solicitors - Case Prepar ation GBP 150

Missed Payment Fee 2 (day 43) GBP 10

NDR Accept Case File GBP 200

 

Repayments todate GBP0

Total GBP 571

 

 

 

i likewise received this breakdown in the last few days. However i have made an extension payment of £48, i made a payment of £40 to avoid the extra charges and a token payment of £10 towards this balance yet they are still demanding the amount of £571 from me also. Seems a set amount they try to attain. you can see the issues im having in my thread i posted today giving me a nervous breakdown.

 

You are falling into their trap by worrying about it. They simply add on whatever charges they like and the uneducated debtors think that the fee's etc are legit. The educated people, such as people who visit sites like CAG, know they are fraudulant and thats why we advise people to ignore them and not give them a second thought.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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