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    • correct a DCA has zero legal powers. you don't need any 'legal powers' to issue a court claim..you or i can do that if we think someone owes us money, thats what the courts a are therefor, so a DCA thus has no more or less legal powers that you or i.   people end up getting backdoor CCJ's because they do not update their debt owners of their correct and current address. you are abroad, you are also lucky (or unlucky in terms of a uk asset) someone lives in the only? UK address they could use.... you say you'd get the mail or notification anyway...so...    
    • Thanks very much dx   Not sure if your saw my comment re the budgeting as think we may have crossed.   Can they start reporting on my credit file again? I really cant have that happen. Is this a risk.   The conundrum is - if I settle them now for say 30% of the debt thats around 5k. If I end up having to pay them thru court action then just a few could be that much. I suppose thats a gamble.   when they do a letter of claim, I am guessing we then ask for a CCA. If they can provide it do I have the opportunity to pay if necessary before getting a CCJ or it reported again on my credit file?
    • Sorry forgot to mention. When filling out the financial situation to get the stepchange payment low I was very economical with the the truth. I dont want this to be an issue as I am worried about that.
    • pers i'd just stop paying the whole plan. you've been had from day one on all of them.   as long as stepchange has your correct and current address. just sit back and await the deforestation that comes thru your door. i'm of the opinion now that for DMP's of this historic age now its far batter to simply stop paying the whole plan and IGNORE everyone, rather than sending CCA's requests etc etc, until or unless someone sends a letter of claim relating to any of the debts that wrre in the plan.   then comeback here and we'll deal with it as we do.   the most important thing to ensure is that the DMP provider does have you correct and current address (p'haps do this in a letter to them stating you ae now cancelling the plan and stopping their mass DD).   dx
    • You couldn't make it up TJ
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

CRS AJJB chasing money for Photo Studio Group run by Michael John Hannah


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hype digital have a virtual office at Capital Office, Kemp House, 152 - 160 City Road, London, EC1V, 2NX

 

https://hype-digital.co.uk is owned and operated by Thomas Street Studios Limited, 45-47 Thomas Street, Manchester, M4 1NA Co Reg No 04306677

FCA register has no entries for 04306677 nor hype digital.

 

however look who owns thomas street studios

 

https://register.fca.org.uk/s/firm?id=001b00000209FPtAAM

 

and...

 

Social Money Limited

 

https://register.fca.org.uk/s/firm?id=001b000000l7kwxAAA

 

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Social Money Limited Registered 04 Mar 2015
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Loan Scanner Trading 04 Mar 2015 21 Aug 2020

 

 

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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Even if the contract appears to be binding - that doesn't necessarily mean that it is all above board.   With all respect to the Which team, their advice is generally a bit luke-warm and she

You haven't really given us a timeline, but I understand that in October 2019 – one year ago, you visited the studios for a photo shoot for your daughter. You told us that the deal was that th

I  think they have broken the  Consumer Protection from Unfair Trading Regulations 2008 specifically two banned pracices :-   The list of banned practices includes the following:   

Posted Images

The direct debits were cancelled by the credit card company as the agreement was made with my credit card not a bank.

 

The credit card have charged back 2 direct debit payments which were not contested and I have raised a section 75 complaint to get back the rest of the money that had already been paid on my credit card.

 

The photo studio group is threatening to take legal action for what they say is the balance of £863.49 but if you say the agreement is void I have nothing to worry about.

 

Why do you think the agreement is void?

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I believe the dca is willy waving not the company you signed the credit agreement with??

 

The photo shoot  contract is totally sep from the CCA finance agreement.

 

Which says under the staple? 

Exact wording please.

 

 

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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This is how they sent it to me so I don't have the original. Should I ask them for it?

 

Do you think I could get this contract recinded because it was built on frauulent misrepresentaion by the studio?

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thinking about it 

probably page 2 of that PDf the credit agreement 

probably says 

fixed sum loan agreement

regulated by the ....

 

you are p'haps using word you don't really understand...re things like contract recinded...

 

there are 2 things here

the contract with hype digital

and 

the loan agreement with the photo studio group.

 

and you were most probably unaware that you blindly signed these two things with 2 differing companies .

 

i doubt very much anyone would dare do court , be that hype digital who are the owners of the contract nor any DCA they SELL its value too. at present it's powerless willy waving as the CA dont own it. let that run

 

as for the credit agreement, the whole thing looks dodgy to me and unenforceable esp as it was produced as a result of some known photo scam contract. and as all the platers in this are ultimately owned by the same person..

 

i seriously doubt the currect dca/sols are even aware which they are writing silly letters about really.

 

pers i'd sit on your hands and see if someone is brave enough to issue a letter of claim regarding either.

 

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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:rockon:

 

block and bounce all email addresses 

report texts as spam.

only ever bother IF you get a letter of claim.

 

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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  • 2 weeks later...

I have now been sent an official Letter Before Claim (I have attached the first page with personal info removed, the other pages are just reply forms). I think they are serious about taking me to court now.

 

One other update , Trading Standards are investigating the scam.

Are they allowed to take me court whilst they are being investigated?

What do you think I should do now?

letter before action 1.pdf

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Yes this is part of their MO, it even says so on their website.

 

That contract is ridiculous, and I would say it is unfair as it is clearly skewed in their favour.

 

You cannot cancel the contract UNLESS you pay in full?? Yet they don't keep to their part of the contract by fulfilling it?

 

IMHO you'd wipe the floor with them in court.

https://www.businesscompanion.info/en/quick-guides/on-premises-sales/consumer-contracts-on-premises-sales

 

Information requirements

The Regulations require that you give certain information to consumers who buy goods, services or digital content from you on your business premises. However, there are some types of contract that are exempt from this requirement:

  • medicinal products or services that are either dispensed on prescription or are available free under an NHS arrangement
  • a contract for passenger transport services - for example, bus, rail or flight tickets

In addition, these information requirements do not apply to day-to-day transactions that are performed immediately when the contract is entered into (the consumer pays and gets the goods / services straight away) - for example, for everyday purchases such as groceries, newspapers, buying a coffee to take away, having a shoe-shine, etc. However, other trading standards legislation will still require you to display information about what the product is and its price and, in some cases, its unit price. It is likely that this exception will most likely apply to low cost items.

In all other cases if you are offering to sell goods, services or digital content on your premises you need to give or make available the information listed below to consumers before they enter into any contract:

  • the main characteristics of the goods, services or digital content. In many cases this will be obvious from the display of the goods or their packaging and no further information would need to be added
  • your identity (such as your trading name), geographical address and telephone number. Your name and address may be obvious for customers on your premises but they should also be informed of a telephone number for further contact
  • the total price of the goods, services or digital content, including all taxes - for example, VAT, or, if the price is not known, how the price will be calculated
  • details of any additional delivery charges or, where this cannot be calculated in advance, an indication that a delivery charge will be payable
  • where applicable, arrangements for payment, delivery or performance and the time that you will take to deliver the goods, perform the services or supply the digital content (see 'Time for delivery of goods' below)
  • if you have one, your complaint-handling policy. Providers of services should have a complaint-handling policy in place as required by the Provision of Services Regulations 2009. In addition CTSI approved codes of practice and some trade associations and professional bodies will also require a policy to be in place, which must be made available to consumers
  • if you are selling goods you should remind consumers that the goods you sell must be in conformity with the contract - for example, you might say: 'It is our responsibility to supply you with goods that meet your consumer rights. If you have any concerns that we have not met our legal obligations please contact us'
  • if there are any after-sales services or guarantees available you must make consumers aware of this and any applicable conditions. In many cases this will be obvious from the display of the goods or their packaging and no further information would need to be added
  • if the consumer will be entering into a contract of a fixed duration, they must be informed what this is. If the contract has no fixed length, or can be extended automatically they must be informed of the conditions under which they can terminate it
  • digital content functionality. This includes information about its language, duration, file type, access, updates, tracking, internet connection, geographical restrictions and any additional purchases required
  • digital content compatibility (information regarding both hardware and other software)

The Regulations do not specify how this information has to be made available, the important thing is that consumers have this information given or made available to them. It is likely that this will be achieved by a variety of means, such as the goods themselves, notices or price lists on display, or making a contract available for a consumer to read before they agree to be bound by it. The acid test is that this information must be clear and comprehensible to the consumer before they enter into the contract.

If you need to change any of this information before entering into a contract, or at a later stage, you must agree this with the consumer. Failure to do so will mean that the consumer is not bound by the change of information.

Failure to provide the information set out above would allow a consumer to claim that you have breached your contract with them and seek an appropriate remedy. The consumer would also be able to claim, under the Consumer Rights Act 2015, that you had breached your contract if they found that any of the above information that you had provided was incorrect.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for this info but they might say they told me the prices of the photos / portfolios before I signed the contract.

 

One thing I find odd is that if it is a legitimate credit agreement why it doesn't show up on my credit file like my other credit agreements and why I didn't get notification of late / missed payments when the direct debits were cancelled which I thought you had to do under the Consumer Credit Act 1774?  

 

You might say I could wipe the floor with them in court but I don't think I would be a match against an experienced solicitor and most people said it wouldn't get to court so i'm wondering what to do next.

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The county court service is designed to be used by consumers. 

 

Here are the rules that all must comply with.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct  an outline of the rules

 

But I would be inclined to write to these people. 

 

As far as you are concerned their part of the contract has not been fulfilled and there is no further liability for payment. 

 

Ask them to confirm the basis for the claim.

Ask hem to provide all documentary evidence they have in order to support their claim.

 

Offer them dispute resolution

 

Then wait to see what happens - i'm finding it stressful just reading the thread. But don't let these people bully you. The court service is there for both of us, not just them. 

 

Richard

 

 

 

 

 

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You do realise solicitors are simply people like you and I, just that they have a library of law books to read whenever someone goes to them about specific incidents....?

 

As you say it is unlikely that this would progress to a DJ, they simply prey on the weak and vulnerable and use legal jargon and fancy letter headed missives to intimidate.

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'm not sure if their side of the contract has been fulfilled or not, apart from poor customer service, as I have not finished paying the finance for me to get the services.

 

I just stopped paying them after onlne advice about it being a scam.

 

It looks as if I'm going to have to stand in front of a judge and say I think its a scam because of what I read online.

 

Do you think the judge will buy that?

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see here we already have the basic structure

https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/

 

they are not mentioning the credit agreement at all so only the contract issues

pop your idea up here 1st 

and don't rush

you have 30days.

 

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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Share on other sites

They say in the letter "the debt relates to a contractual arrangement between you and our client" and their client is the Photo Studio Group who the credit agreement is with so I think it does relate to that.

 

They have already sent me the contract which I asked for which is their proof that I owe the money, i'm not sure what other proof I can ask for?

 

Isn't an ADR a way of setting up a payment plan to pay them back?

 

I have just seen that the Photo Studio Group is a registered trader with the ADR company Consumer-Dispute http://www.consumer-dispute.co.uk/home

 

so I have asked for an application form to raise a dispute with them

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ok but you still need and must reply to the PAPLOC within the 30 days.

 

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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the link i posted..

pre action protocol letter of claim.........

 

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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The ADR company said they would contact their member within a few days after my application is submitted so that will be well within the 30 days of the letter before action

 

I looked at the PAPLOC for consumer credit act claims and the debt has not been purchased so I can't ask for a copy of the Notice of Assignment. also i'm not sure what to put for the dispute as

the "recommended reason as advised from your thread"?

 

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Correct yours is an interesting one.

it needs some thought.

 

p'haps others will pop in too

we have till december.

 

 

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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I found a statement on a Facebbook page called "Modelling Information Service" that states Kube Studio (Renamed to The Photo Studio Group) is breaking the law because it is actually an employment agency and it is illegal for them to charge upfront. Maybe that would be a good defence? This is the quote:-

 

Kube Studios - getting your money back:
Kube Studios is one of those "agencies" which is using hard sell tactics to persuade models to pay the "agency" for photographs.
 
In its feature on Kube Studios, the BBC's "Watchdog" programme repeated Kube Studios' claim that it is "not an agency". It also referred to the "contract" as being "non cancelable" (see posts below - re BBC).
 
The "contract" as shown by the BBC bears the name "Fusion Photographic Studios Ltd T/A Kube Studios". That is confusing - as Kube Studios itself is a limited company Companies House https://beta.companieshouse.gov.uk/company/08043958
 

Further to which, Fusion Photographic Studios Ltd no longer exists. On the 2nd April 2016 it change its name to: "Thomas Street Studios Ltd" (Companies House https://beta.companieshouse.gov.uk/.../043.../filing-history)

The tactics being used are both a scam and illegal.

 

As they are illegal this giving you the right to claim your money back - regardless of what the "agency" states (about "cancelling") in its "contract".

 

The question is raised as to whether Kube Studios is an (employment) agency(?)
 
Under the Employment Agencies Act 1973 (the Act), an employment agency is defined thus:
"13(2) For the purposes of this Act " employment agency " means the business (whether or not carried on with a view to profit and whether or not carried on in conjunction with any other business) of providing services (whether by the provision of information or otherwise) for the purpose of finding persons employment with employers or of supplying employers with persons for employment by them."
 
Among the services provided by Kube Studios is introducing work-seekers (models) to (other) agencies. That makes Kube Studios itself an employment agency.
 
In addition to the Employment Agencies Act 1973, employment agencies are governed by the Conduct of Employment Agencies and Employment Businesses Regulations 2003 (as amended) (the Conduct Regulations).
 
The taking of photographs of work-seekers (models) is not a work-finding service, it is an additional (other service). Under the Conduct Regulations, it is a criminal offence for an employment agency to make the provision to work-seekers of the agency's work-finding services conditional on the work-seeker using any other services - whether these other services are provided by the employment agency or by any person with whom the employment agency is connected.
 
In addition, where the service is the "production of a photographic image" of a work-seeker seeking employment as a fashion/photographic model (and/or actor etc) the employment agency is prohibited from charging the work-seeker a fee for 30 days from the date of the agency entering into the contract with the work-seeker (whether the contract is oral or written), during which time the work-seeker is entitled to withdraw from or cancel the contract without suffering detriment or penalty, and without being obliged to pay any fee to the agency.
 
Both offences placing the "agency" in breach of the Conduct Regulations.
Regulation 30 of the Conduct Regulations:
"Civil liability
30. - (1) Without prejudice to -
(a) any right of action; and
(b) any defence, which exists or may be available apart from the provisions of the Act and these Regulations,
contravention of, or failure to comply with, any of the provisions of the Act or of these Regulations by an agency or employment business shall, so far as it causes damage, be actionable."
 
That is, because Kube Studiso has acted in breach of the Conduct Regulations, and the work-seekers (models) have suffered damage - the loss of money, they have a claim against Kube Studios.
 
Because Kube Studios has acted in breach of the Conduct Regulations you are entitled - under Regulation 30 of the Conduct Regulations - to claim your money back (damages) from Kube Studios, it matters not what Kube Studios state in the "contract".
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The ADR company that have Photo Studio Group as a member has said this :-

 

 

Further to my email below and after liaising with the trader, they have confirmed the following:

 

“We have never encountered it and have no communication from the client. He's being chased for an unpaid debt by a third party. He needs to contact us and go through our complaints process before we will consider ADR.”

 

 

This is strange as the corresondance from AJJB Law and CRS say their client is the Photo studio Group but they don't seem to know anything about it. So what now?

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yes this is what i was saying earlier.

 

it's quite usual for Ambulance Chasers like CSL/ALLB to do everything without their client knowing anything about it ...

thus any money they get goes directly to their pockets.

 

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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