Jump to content


  • Tweets

  • Posts

    • 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.
      • 1 reply
    • 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

Go Debt old private & commercial finance 'debt' car finance Claim Issued


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3313 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

can we see the letter please

 

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... 

Link to post
Share on other sites

  • Replies 265
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Tiny, as far as I can see nothing is attached

 

Now as far as GoDebt is concerned, this is the FCA Guidance on disputed debts-

 

CONC 7.5.3

01/04/2014

FCA

 

A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

 

I suggest that you make a report on this matter first thing tomorrow to the FCA

 

They dont investigate individual complaints, but if you outline the circumstances surrouding GoDebts actions

 

they may offer some guidance (certainly inform them that the fos is already involved in this matter)

 

FCA Contact http://www.fca.org.uk/consumers/consumer-helpline

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Hi all.

 

Please find attached the letters from Go Debt.

 

The matter has been escalated to FOS of whom have contactd Go Debt and spoken to the lady on the letter, and

 

she has confirmed that she is refusing to stop any collection activity.

 

This is clearly because on Thursday of this week, this debt is due to be statute barred in my opinion.

 

However the fact of the matter is that my partner didnt sign the document,

and we are at a point of where we are unsure where to turn.

 

Thank you.

Link to post
Share on other sites

letters far too small to read, Tiny

 

Did you contact the FCA?

 

If they issue, and if you are 100% confident on that signature not being your partners you will have to defend

 

You will need as much supporting evidence as possible

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

thanks for the reply, hopefully his attachment is better?

 

TO be honest, I dont know what proof we can provide?

 

The signatures dont look the same from the agreement to that document.

 

It isnt the same as the ones on her driving licence either, not even a resemblance.

 

However, other than that, i dont see what we can provide in court to be honest.

 

A part of me is thinking that i should have just offered 25% of the debt and paid it for her, rather than it reach this stage.

 

How long does a CCJ take to go through the courts?

 

The FOS have advised we can speak to the court to request a hold whilst the complaint is ongoing and they do sometimes do this.

 

If the debt is to become statute barred on thursday of this week; would this have any impact on anything, for instance,

if the CCJ isnt granted by this time, would they be allowed to do this?

 

thanks in advance.

Link to post
Share on other sites

well first they are claiming that the sig on 22/5/09 is correct, which if so, would be a clear acknowledgement of the ac anyway.

 

You will have 33 days from date of issue to submit your defence .

 

The Sb clock stops on issue of the claim

 

If you so wished you would have the opportunity to negotiate during the court process anyway

 

a defended claim can take months before a conclusion is reached

 

If you are certain of your facts why would you not want to defend ?

 

You will receive the help you need here

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

cant see your fos complaint anywhere

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

instructed to and actually issuing a claim are two diff matters!!

 

nice of them to admit the sb date is soon too!

 

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... 

Link to post
Share on other sites

poss write back stating any claim will be vigerously defended

and the matter of VS/VT and unlawful repo

and poss false signature

along with witness statements providing you were not present at repo

will be produced.

 

sec 90/1 counter claim for all payments back as well?

 

to be honest

I think it would be good if this went to court.

 

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... 

Link to post
Share on other sites

to be honest

I think it would be good if this went to court.

 

dx

 

AGREED:-)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

to be honest

I think it would be good if this went to court.

 

dx

 

AGREED:-)

 

In relation to the FOS complaint,

we had to get this written over the weekend and sent to them today in a bid to prevent Go Debt issuing court proceedings,

I'll try and get a copy on here later on.

 

Her dad remembers conversation with the collector and offering him £800 as it was lnackeres ,

but this was refused and they took the vehicle.

 

My partner had always been under the impression that the vehicle was repossessed

and not voluntarily surrendered; which is what we have stated to FOS.

 

If we seek legal advice and employ a solicitor, how much would we expect to pay? Should we even employ a solicitor or look to represent ourselves?

 

This whole situation is so frustrating as this go debt company, are literally the most aggressive horrible bunch of ****'s I've ever dealt with.

 

They state on their website their own code of conduct which states they will hold any valid disputed account,

they claim to be a part of the CSA which also states they should be holding a disputed account.

 

We have advised them of this and they keep replying to confirm that they will be issuing court proceedings .

Link to post
Share on other sites

not a judgement, the SB clock stops on issue of the claim. Judgement takes months

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

So if they issue a claim this week then they'll be within the timeframe? Would it make a difference that the last payment wasn't made by my partner and in fact her mother via her own debit card?

Link to post
Share on other sites

to be honest

I think it would be good if this went to court.

 

dx

 

AGREED:-)

 

They have replies via email to the email we sent claiming they are not adhering to their own code of conduct nor the CSA code of practice. Hopefully this attachment works.

Link to post
Share on other sites

"This whole situation is so frustrating as this go debt company, are literally the most aggressive horrible bunch of ****'s I've ever dealt with. They state on their website their own code of conduct which states they will hold any valid disputed accountlink3.gif, they claim to be a part of the CSA which also states they should be holding a disputed account. We have advised them of this and they keep replying to confirm that they will be issuing court proceedings"

 

Did you contact the FCA?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

I'll ipload it again when I'm back with my laptop, I was trying to do I on my iPhone!

 

We haven't contacted the FCA yet, that's scheduled in for tomorrow morning at 9am, not sure what they can actually do though. Do we approach them as an FYI, or explain fully what is happening?

Link to post
Share on other sites

I'll ipload it again when I'm back with my laptop, I was trying to do I on my iPhone!

 

We haven't contacted the FCA yet, that's scheduled in for tomorrow morning at 9am, not sure what they can actually do though. Do we approach them as an FYI, or explain fully what is happening?

 

explain fully and see what they say, worth reporting the signature issue also

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

I have viewed the FCA website and it states on there that customers cannot complain to the FCA and they must raise any concerns/complaints to FOS; only staff may whistleblow.

 

You can report and seek advice Tiny

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

FCA--

 

Our Consumer Helpline offers impartial information and general guidance

You can call us on 0800 111 6768 (freephone) or 0300 500 8082from 8am to 6pm, Monday to Friday (except public holidays) and 9am to 1pm, Saturday. From abroad you can call +44 20 7066 1000.

Our Typetalk number is 18001 0800 111 6768.

You can email us at consumer.queries@fca.org.uk, but if your query is urgent you should call us

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

FCA--

 

Our Consumer Helpline offers impartial information and general guidance

You can call us on 0800 111 6768 (freephone) or 0300 500 8082from 8am to 6pm, Monday to Friday (except public holidays) and 9am to 1pm, Saturday. From abroad you can call +44 20 7066 1000.

Our Typetalk number is 18001 0800 111 6768.

You can email us at consumer.queries@fca.org.uk, but if your query is urgent you should call us

 

Brilliant thanks for that; we'll call them tomorrow.

Link to post
Share on other sites

The legal side of things is not my field of expertise but hopefully one of the more experienced people can expand on the following.

 

My understanding is that under the CPR rules that govern court action, the parties should make all reasonable efforts to agree prior to issuing court papers.

 

This would involve exploring the use of any Alternative Dispute Resolution Service that was available

and that the most appropriate ADR service for financial disputes of this type would be FOS

i.e. Court papers should not be issued whilst parties are trying to resolve matters with FOS.

 

 

Somebody more knowledgeable can hopefully clarify further detail but at worst if it does go to court,

its one more piece of evidence to demonstrate that the other party are acting unreasonably

Link to post
Share on other sites

Under the pre action protocols4.6(1) the court has the power to stay the proceedings, until steps that should have been taken, have been taken (in regard to ADR)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...