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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?    
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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

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Still euphoric from my success with Halifax have now decided to check out all accounts etc I've had over last few years, majority now closed.

 

Sent Data Protection Act S.A.R - (Subject Access Request) template letter to Next plc recorded delivery 13 Sept. Interesting letter received back dtd 28 Sep:

 

'Thank you for your letter addressed to our Data Controller which has been forwarded to me. Next has received a number of similar letters from other customers, relating to the recovery of charges associated with late payments.

 

If your enquiry does relate to the recovery of late payment charges, I can advise that to date Next have not applied late payment charges to its Directory accounts, which include store card transactions.

 

If your letter is in connection with the recovery of late payment charges I would be grateful if you could let me know by calling 0845 7413315 and I will be happy to return your cheque to you. However, should you still wish us to proceed with your subject access request, I will ask our Data Protection Officer to deal with this for you.

 

I await your further instruction.

 

Bridget Parnell, Customer Relations.'

 

Delay tactic number one I think! Responded 2 Oct reminding them of their obligation under DPA and that I am NOT at liberty to give reason for my perfectly clear request which is extant.

 

Yet another letter from BP received. Note no reference to my letter, (which I have proof they rec'd), or DPA.

 

'Further to my letter regarding the cheque you sent to us along with a request for information.

 

I would be grateful if you could contact either myself or one of my colleagues on 0845 7413315, to advise if you wish us to proceed with the subject access request, or whether your enquiry related to claiming back charges levied for late payment.

 

If I do not hear from you by 3rd November I will assume that you do not wish to take this any further and will return your cheque to you.'

 

Yesterday couldn't resist phoning BP informing her that Next are now in breach of DPA and complaint has been lodged with Information Commissioners Office and LBA in post allowing a further 7 days to supply info or else I will go to Court to enforce compliance.

 

I did ask why my request had not been acted on instead of sending pointless letters. She replied it was done IAW with advice from their solicitors. Seems to me they don't think legislation applies to them.

 

Another letter received today referring to phone call, reiterating that their letters were sent to assure me that Next do not levy late payment fees. It goes on .....'If you wish to make a full SAR which involves Next searching all files including Human Resources, Marketing, Customer Relations, please complete the attached form and return it. Because Next have to search all the files held within the organisation under a SAR, the £10 fee is payable even if Next do not hold any personal data. I note your letter referred solely to the provision of account information and I have not therefore made the assumption that you wish to make a full SAR. more blah blah blah. I have returned your cheque with this letter for you to send in with the form, should you wish to proceed with SAR.'

 

They're being rather defensive and condesending aren't they? Would have been easier to action my SAR on receipt instead of delaying and off putting tactics.

Halifax paid out in full £3054 :D :D :D

4yrs later.......here we go again:(

 

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I' m in the process of doing so. See my post no 1 in forum. So far they've tried the fob off letters etc but I mean business and will not let this go. Report has gone off to Information Commisioner's Office (for all it's worth!) and by the end of the week if I still have not received the informationb regarding my account I will start the appropriate Court action.

 

Next are insisting they have never levied 'late payment charges' on their customers (not that I mentioned 'late payment'), however they are not telling the whole truth 'cos they definitely levied extortionate charges on my account. Watch this space...I'm going for it..

Halifax paid out in full £3054 :D :D :D

4yrs later.......here we go again:(

 

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I have a default on CRA file from Next for home shopping account, In the process of waiting for reply to CCA request which was sent on the 18th so 12 days are up soon and still no reply, I will probably also sent a DPA SAR also as I guess there will probably be some charges on the account, although I have requested a "statement of account" as part of the CCA request, however my guess is it will be a "your balance is X" as opposed to full list of transactions including charges, that is if i get a reply

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  • 4 months later...

Hi all, good luck in the fight against NEXT. I'm still trying to help out my friend and she has an old Next account which was passed to Scotcall for collection. Anyone had dealings with Scotcall??

 

She's presently paying back at £50 per month, but I don't suppose Scotcall will have the documentation. Just wondering if she should CCA them? I'm not sure if Scotcall are acting on behalf of Next or if they actually bought the debt??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Definitely CCA them, only costs a £1 cheque and send it recorded delivery (another £1). The template letter is on here and you can also request a copy of the deed of assignment (this is how they are suppose to sell the debt on) plus a statement of account.

 

If they do not have all this they have no right to chase the debt.

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The thing is with Next is it's not just the late payment charges its the amount of interest they charge. On the back of each statement theere is a very clear indication of how the interest is calculated as a maximum of e.g. (say) 2.014% on the opening balance of your stament. Clear & concise, however, get your calculator out, how many times do you get charged more than what they say? One month my wife got overcharged £13, others £1, others pence but compound that over the months it adds up to a tidy sum.

 

Wrote a letter on her behalf to their customer services, only to be fobbed off and given a £10 'good will' gesture. Haven't had much time to deal with this matter yet, but it's on the back burner, together with a latter of complaint to TS and FOA

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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There you go, I dont see how on earth they do calculate it, but with my wifes statements the problems go back to the £13 overcharge in October 2002.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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