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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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Wonga and Pounds Till Payday


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At the end of the month i will have to default on two loans one with Wonga and one with pounds till payday.

 

I am unable to close my bank account as i have an overdraft but will get my wages paid into a different account. I will report my bank card stolen and cancel the CPA for wonga. I will then contact them asking for a repayment plan for over 12 months.

 

I'm concerned about the payday loan with pounds till payday, i will cancel the direct debit but i cannot find any recent post regarding pounds till payday and repayment plans, has anyone got any recent experience????

Thanks

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Regarding the direct debit, you must write to the PDL and tell them that the direct debit is cancelled. Take a copy of that letter and proof they recieved it to your bank and get them to cancel it. If you dont tell them, the PDL can easily reset the DD back up. The DD also allows them to withdraw what they like, when they like, and its a huge pain in the arse to sort things out afterwards.

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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Hello silly with money! (I hate calling you that! It could in fact be a much more accurate description of myself)

 

I'd like to add a little bit if reassurance as far as PTP are concerned. I was a customer of theirs and had to default end of last year. They were by far the easiest to deal with and stopped interest and charge straightaway and immediately accepted my payment plan. They also offered me a substantial discount when I eventually was in the position to pay them back in full what I owed. In the end it actually worked out that I paid them back LESS than what I originally borrowed from them.

 

However, take the advice offered so far with securing finances. Cancel CPAs, "lose" your card etc.

 

Once you've done this, and only once your finances are secure! Contact them. They'll tell you the department you need is only available via phone - they all do. I never spoke with them on the phone to sort it out. They have a live chat... If you do use this (some will say not to, it's ok, there's an option to have your chat sent to you [unedited] via email) http://www.mypoundstillpayday.co.uk/chat.html

 

Forgive me if that link no longer works - it was November last year that I last had dealings with them.

 

Good luck with it all. Don't worry! There's plenty of advice here if you need it! :D

 

Regards

 

BM

It never rains but it pours...

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Thank you very much for your replies.

 

BM can i ask, did you contact PTP prior to the loan due date or after? Also how long was if prior to you paying then bank in full?

 

I'm just a little worried as it would appear that after 60 daiys the loan is passed to a DCA and there is no way i will be able to pay the full amount back within 60 days. I borrowed £800 and therefore the payment due is £1040. I have been doing this for months and months loaning the money, repaying and then straight away reloaning the money.

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Hi there. Once you've secured your finances. Contact them as soon as possible. If they agree a payment plan with you there will be no need to pass your account onto a DCA after 60 days as long as you keep to the repayment plan.

 

When working out what you can comfortably afford, don't make an offer that you may not be able to afford to pay in future.

 

I emailed them before the loan was due and made a pro rata offer to them and other creditors. They accepted straightaway with the only conditions that they'd review after 6 months. My circumstances didn't change much in that 6 months so they agreed to carry on.

 

After paying into a repayment plan for 7 months I contacted them for a balance. The money I paid had been deducted from the balance and they offered me a discount if I paid the remainder.

 

I don't very often speak highly of PDL companies (as per many of my previous posts) but I can't say anything bad about this company (other than their apr lol, That's just standard though unfortunately)

 

Keep us updated :)

It never rains but it pours...

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Indeed. I'd agree with Jamie. I think it all depends on whoever you're dealing with and which side of bed they got out of that morning lol.

 

PTP however aren't featured as heavily on these forums as the likes of minicredit and payday express...

 

Give their livechat a try! :)

It never rains but it pours...

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  • 2 weeks later...

Well the due dates for Wonga & Pounds till Payday have passed.

I've emailed Wonga several times before my payment date, they sent me an I&E form on the 31.10.2012, which i duly completed but i have heard nothing from them since. the interest is still being added, any ideas?

I have emailed PTP on three occasions & tried live chat twice, they just reply saying they have added £59 and i will have to wait for an account manager to contact me by phone. Clearly i'm not happy about this but i don't know what to do.

I would be grateful if anyone has any advice.

Thanks

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