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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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      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.  

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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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Wonga Repayment Plan


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Hi everyone, I have a £900 loan outstanding with Wonga, it's due tomorrow (25th april) but will bounce as I don't have the funds to pay it, I have emailed them and the assesment team have emailed me back with an incme/expenditure form to fill ot and they will assess me from that, shall i fill it in?or is it none of their business? :???: Silly situation to get into but I'm determined to dig my way out.

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Dont fill it in. They have no right to know any of it. All they need to know is what you xan afford. Thats it.

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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Thanks :) so what should my reply be?This seems to be an automated email, I have sent one to Errol Damelin and had no reply :( It was due out today but bounced, I desperately want to get in touch with them before £££££'s of interest is added.

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Don;t worry about interest. Just keep sending those letters/emails. It's on them to reply, not for you to chase them around. As long as you keep contacting their official contact addresses regularly with requests for a plan, or with your proposal, you'll be fine. All you need to show a court (if it ever goes that far) is that you acknowledge that you couldnt make teh original repayments, but tried your hardest to come to an arrangement for another, but the PDL refused or ignored your requests.

 

Any amounts added on after your requests, or after they ignore your requests, can be deemed unfair and wiped if you have the paper trail to prove it.

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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Just ring them and tell them you are struggling, ask them to free the interest and spread the costs.

 

I did this on a £400 loan and they really helped me out !

 

I keep promising I will pay the full amount on a specific date, just before I ring and say sorry cant pay in full ill pay you £50 and then the rest next payday, then do the same again next payday.

 

Never had a problem so far ! Just ring, blag them with some story and basically "ask for they help" always worked for me !

 

I got HSBC to clear the arrers of £250 and reset my monthly amount yesterday just by blagging them !

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Thanks again Jo for pointing me here, such a brilliant forum!!

 

Sarah how did you get HSBC to clear the money taken from you?I have also been advised NOT to ring?Aaaaah I dunno what to do, still haven't replied to my emails so will keep emailing daily until they do?

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Yes. Just keep emailing. You are clearly trying to contact them, but they are refusing to take notice. That isn't YOUR problem it's THEIRS.

 

If you ring them, they can and will say anything to you just to get your details, then they will deny there was ever an agreement in place and say you authorised the full amount to be debited or do a 180 on what they said.

 

There are plenty of reports of people calling them and agreeing a repayment plan of, say, £10 a week, only to find that the PDL ( Minicredit and CFO especially) taking the the entire amount on the first repayment date or debiting the account multiple times until they cant take any more. Then trying to charge you £5 a time for each transaction they made.

 

It's one of the main reasons this site asks all people in debt to only deal with their creditors in writing. This way, you have full and complete proof of what the creditor has said, and they cannot form any defence against it, either to you or to a judge in a court.

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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Thanks hun, the problem I have is as I have had to take all money I had spare from my account direct debits are gunna start and bounce soon :( causing bank charges, need to get another one opened ASAP i think.

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Contact your creditors and ask them not to process the DD's for now due to problems with your bank account. Tell them that you will pay the debit by another method so the payment is not missed. Ideally you should do this a few days before the DD is processed. This will give you some breathing room at least.

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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Will do, thanks :). Your advice is fab, I have read a few of your posts, keep up the good work, it's very much appreciated!!I will keep you updated, I am hoping for a reply tomorrow, I have offered them a fair settlement so I can't understand why they haven't replied yet.

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I rang them :( I was getting nervous and they were putting fees on already!!!They said they will email details and set up a plan over 12 months, do you think this will be ok?If I have it in writing?I'm still going to change my bank account anyway so they wont be able to get more than the set amount off me each month as thats all that will be in that account on the payment date.

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Wait for the email. However, even if you are nervous, never call them by phone. The fees can be wiped off by a judge if theyre unfair. You're just lucky that wonga is one of the PDL's that take personal circumstances into account, although they are definitley not infallible.

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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Ok, I have had the email with the confirmation of what I agreed on the phone, do you think they will continue to try and take money from this account even though I have an arrangement set up?

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If they do, then you can complain to the OFT/FOS and also the possibility of the police as theyve technically stolen from you.

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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Fingers crossed they don't and I'm on track to getting out of this payday hell :) Thanks for all your advice everyone, hopefully i wont be posting back here to say they have gone on their word!!

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If you have good experiences as well, make sure to post back and let us know. People visiting this site can use it as incentive and encouragement.

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 Laura,

 

NOW - Today

 

Using Online banking canx all direct debits TODAY - your creditors will understand. Move your balance and indeed any overdraft facility to another account (maybe a linked savings account) this will prevent them using the card details over the weekend. You could alternatively withdraw cash . Report your debit card as lost.

 

Monday or online- open another account with another bank - just a basic one. Arrange to have your salary paid in here.

 

Write a letter to your current bank revoking the Continuous Payment Authority to the PDL, and instruct them NOT to pay any DD if the PDL

holds your sort code and account number.

 

These will give you time i) to sort out a payment plan, what YOU can afford

ii) prevent the pdl from taking without consent - it is so much harder to reclaim the moneys than to prevent them taking it.

 

Move the cash you had moved today to the new bank account, and make debit card payments for the missed DD due to you cancelling the DD authority.

Please do this as not to get further into debt.

 

I wish you all the best and good luck

 

N

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HiJust to let you know, I came to an arrangement with wonga to pay £10 per month by Bank Standing Order--You are then in control. They Review it every 6 months but I just tell them my circumstances havent changed, Hope this helps, Kind Regards

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  • 2 weeks later...

hi, i got a loan about 2 weeks ago from wonga for 50 pound and i extended my loan date till the 23rd of may, im just wondering if i payed it back tomorrow will they let me get another one tomorrow? thanks.

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Why would you even consider getting a payday loan in the first place, let alone a second one that you had problems repaying? However, we cant answer your question here as only wonga can tell you if theyre willing to give you more money.

 

Find out about your local credit union and see what they say. They are much, much cheaper than getting a loan from a legal loan shark.

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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