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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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        • Like

Domestic and General unauthorised DD - taken over £450 from me! Help!


MissNomes
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Hi, I'm hoping that someone can help me here.

 

I have just been sorting through my Direct Debits and have realised that I have been paying a DD monthly to Dom and Gen for 4 years

and I actually have no idea what for.

 

I realise that I must have agreed to some kind of warranty cover with them initially,

but I also know that I have no warranties on any of my appliances that are currently active so I have no need for this cover.

 

I am utterly confused and crestfallen because I am absolutely meticulous about keeping records of all correspondence on these things,

and have folders full of this type of info

but I have no letter at all from Dom and Gen that suggest that the cover is ongoing

or that an automatic renewal of the cover will be happening.

 

In addition to this, the cover started at £6.34 per month in March 2009 and has increased in amount every year since then, they are now taking £9.30 from me!

 

I have now cancelled the DD with my bank, but I really can't understand how it is OK for this to have happened.

 

I am usually so careful with these things,

but I tend to rely on correspondence that I get about these things to trigger my action,

and I haven't received any.

 

I read elsewhere on this site that companies MUST inform you of any change in the amount that your direct debit is,

and this has definitely NOT happened, as it would have alerted me to the fact that the DD was active for no reason that I was aware of.

 

I am really upset and feel badly taken advantage of.

 

I know I should have noticed the DD was there, but I have a large number of DDs set up for various reasons

and I must have just stopped questioning it because it's a relatively small amount and has been taken for so long.

 

I'm really kicking myself, but surely there should have been some contact or correspondence from them?

 

I'm going to write a letter to my bank and to D&G now, but any advice or support would be appreciated greatly.

 

Thanks!

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First thing would be to contact D&G and ask them for the information relating to this insurance. I have my washing machine covered with them and the amount taken has never increased, but i will now keep an eye on that. I dont remember if i set it up over the phone but im am 100% sure they did send paper work out relating to the insurance.

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phone your bank

 

get it all refunded under the DD guarantee

 

if someone is taking money from your account

 

they MUST write to you and inform you

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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there is no limit an the DD guarantee other than p'haps sec32

 

thank you annie71

 

i'll await the sidekick now

 

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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Thanks folks. I've contacted D&G and I'll phone my bank asap too. There has definitely been no correspondence each month, nor was there contact each year that the value went up. I'll let you know how it goes!

Nx

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  • 2 years later...

Hi, Ive just become aware that a similar situation has developed with a policy that i took out on a camera i bought at jessops, with 2 year cover. I never recieved the renewal notice and by chance saw the regualr amount they had been taking out for 3 years since it experied. I have phoned them, and they state their system says they sent out the letter each year, and as i didnt reply kept the policy live. I didnt recieve the letter. On friday their customer services team said they would refund the last year, and then inquire about escalting the complaint. Today they called and said they can only give me a letter of apology, and no refund and keep sayingh the same thing 'our system says we sent the letter', and i kept saying i havent recieved them to be able to make an informed choice of whether i want to continue, which i didnt, i had it insured by CIS insurance instead. I feel this is outrageous...if i had not of noticed i could have been paying for the years and years to come, no other insurance company does this. Is this legal, and why is it not written in big letters when you take out the policy. I shoudl have been informed at the point of selling.

 

I used to work at the financial services authority and this feel wrong to me . Can anyone provide help or advice ?

 

T

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Tajindersingh

 

 

Hi, Ive just become aware that a similar situation has developed with a policy that i took out on a camera i bought at jessops, with 2 year cover. I never recieved the renewal notice and by chance saw the regualr amount they had been taking out for 3 years since it experied. I have phoned them, and they state their system says they sent out the letter each year, and as i didnt reply kept the policy live. I didnt recieve the letter. On friday their customer services team said they would refund the last year, and then inquire about escalting the complaint. Today they called and said they can only give me a letter of apology, and no refund and keep sayingh the same thing 'our system says we sent the letter', and i kept saying i havent recieved them to be able to make an informed choice of whether i want to continue, which i didnt, i had it insured by CIS insurance instead. I feel this is outrageous...if i had not of noticed i could have been paying for the years and years to come, no other insurance company does this. Is this legal, and why is it not written in big letters when you take out the policy. I shoudl have been informed at the point of selling.

 

I used to work at the financial services authority and this feel wrong to me . Can anyone provide help or advice ?

 

T

 

 

Although this is a similar thread to the one originally posted you really should start your own thread as the advice on two within one thread could cause confusion...

 

 

Welcome to CAG...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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start a new thread

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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