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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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      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.

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are capital one paying out in full ?


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hi guys,

i've just sent my access request for my statements intending to begin my claim against Cap 1. However, i've heard that recently the credit card companies are attempting to repay only the amount charged over the £12 limit i.e. if you've been charged £20 for a late payment they are only prepared to repay the difference being £8.Is this the case or are they obliged to repay any charge incurred in full after all the initial charges were deemed to be illegal. Anyone had this problem ?

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Yes. A few companies will try and give you back the difference. You should go to the next stage now and ask for it all back.Add up your charges on to the spreadsheet and add any interest. Remember to go back 6 years on your statements. Capital one will try and give you a small amount of your claim back. If they do accept it as partial payment, and that you will pursue them for the rest.

 

Good luck

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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thanks very much for the advice i,m in the middle of a claim against Alliance & Leicester currently awaiting their defence statement but in the meantime thought I'd do capital one next. will keep you all updated:D

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  • 3 weeks later...

Well I've sent my letter off requesting the statements for the last 6 years and are still waiting a response. I think they will probably go to the 40 day limit before I get anything. Just had a good result with Alliance & Leicester so will be looking for the same with Capital One ;) ;)

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just in case they try delaying things i rang up after a week or so and bleated on about how long is it going to take and recieved the statements 2 days later. ive since recieved 3 more sets of statements!!

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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im sure it will 2 days ago they did the same with me handy just before christmas if i had bothered getting a pin number for the account! doh!! ill be watching the thread with interest

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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  • 2 weeks later...

Received my statements in all fairness well within the 40 days period and been through them and the total amount of charges comes to £327:00. So as you can imagine I've just completed my initial letter asking for the full refund. Will keep you all updated on the reply.:p:p

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Absolutely keep going don't accept this offer they are clearly trying it on .Once you get to the moneyclaim stage they will probably fold before any court date is set this is what happened with a claim I had against Alliance & Leicester. Capital One are try it on because they know that many people will accept the initial offer of the difference between the £12 and £20 charges because they don't want the hassle of issuing a moneyclaim , anyway i think its a cheek offerring the difference considering that the charges were illegally taken in the first place. 8-) 8-)

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  • 3 weeks later...

Well totted up my charges which have come to £339:00 over a 6 year period , so on 27th December I sent my initial letter to Capital One asking for my money back plus any interest owed , cos I could do with it after my kids cost me a fortune for christmas.

On 15th January I get a reply letter from everybodys friend Mr Robert Uddy who was full of the usual fanny saying how the OFT have not challenged the right of banks to charge default fees and how Capital One have now reduced their charges from £20 to £12. Well that made me feel a whole lot better and I went to work with a spring in my step knowing that one!!!

Anyway out of the goodness of his heart and on behalf of the multi million pound banking organisation that he works for he has seen it fit to offer me £107:00 goodwill gesture, not that i'm not flattered by this extremely generous gesture but the interest itself comes to £232:00.

So no points for guessing what my reply to Mr Uddys offer is going to be **** *** :rolleyes: :rolleyes: :rolleyes:

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Keep on going.. They will pay you after you file with MCOL..

 

Uk...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Recalculated my figures was never very good at maths but the revised claim now comes to £685.00 including the compounded contractual interest. Sent the LBA on 20th January giving them 7 days to cough up. typed out my official sod off letter to the £107 settlement offer MR uddy offered up as a goodwill gesture which will be sent recorded delivery in the morning. Just wait and see now the ball is in capital ones court. Will give them until the 30th January before starting MCOL. Watch this post!!! ;) ;) ;)

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