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    • 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?    
    • I will annotate the message I sent for the forum.  Sorry, didn't see this straight away...
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      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.  

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    • 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
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Mbna Nightmare!!!!


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Ahhhh, you change your story now in the cold light of day. You said it takes an hour and a half...... now only 40 minutes. I put it to you, your honour, that you are attempting to spin your story out of the rubbish you originally posted!

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my objective, m'lud was to attempt to explain to the defendant that indeed, from where I reside, I can be in France and almost to Belgium in one and a half hours, whereas, it would take me a considerably lengthier period to reach the Italian border.

We now of course have witten evidence to prove that the defendant is in the habit of exceeding legal speed limits, and thus his journey to Italy may well indeed, be quicker than one I would undertake. Notwithstanding these new facts that have now come to light, I would still put to the court that the defendant would have difficulty in reaching the Italian border in one and a half hours.Particularly given his penchant for recycling the detritus that emanates from his keyboard.

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Look at the forgery very carefully. Check how the name and address have been written, check for any telltale printing version numbers to see what the actual date of the card mailer is and then look to see what the interest rate and penalty charges are on the card mailer. Check these against your statements and then tell WW to wipe his arse on it as he is not allowed to use 'constructive conjecture' (i.e. fraud).

 

Sorry about the arse there, I was just remembering how P'd I was when I received it!

 

Arse away hun! Now can you two stop arguing and listen to me!!!

 

Hi M, it is difficult to say anything about this really, there is a small reference on one of the pages of T&C's that says AACG 12/03 (this card was taken out in 96, I am only guessing that this is a date reference), there is also a reference code on the application form and the "credit agreement", without giving too much away, the number match except for the last two, the application ends with 32, the "agreement" ends with 22. I seriously think they have cut and suffled somebody else's agreement here and tried to pass it of as Mr Corn's.

 

I think I will write and say that this is an obvious forgery, ask them to explain why they have blanked out certain pieces of information when it is supposed to be Mr Corn's agreement and why it has been done in such an amateur fashion. Also, where are the signatures that are both supposed to be there?

 

M, could you email me with how you have dealt with this, I would be very grateful for some pointers, I am hopping mad.

 

Of course, I have no statements to compare any of it to because they will not comply with my SAR (although hopefully that will be resolved as I have filed at CC).

 

Thanks for help hun, I need some soothing of my furrowed brow!!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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stan, let me make it quite clear, and I CAN understand why you are thinking this way - although displaying very obvious signs to the contrary, my friend Cornypoker has, at this stage, NOTHING WHATSOEVER to do wtih Alcoholic Anonymous. Nor to my knowledge has her car broken down. So I'm afraid film title will need amendment.

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Corny Whistleblower, Blows MBNA Away

 

LOL! You lot are mad!!!

 

Stan, I am going to have to ring you tomorrow, I am SO late, have got to get ready to go out and it's all gone pearshaped this afternoon, hope you don't mind!!

 

xxxx

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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GOING OUT??!! you hussy - I DO hope Mr. Corn is not still away.

 

LOL!! Yes I AM!!! Mr Corn has come back tonight so will have some peace on his own. I am going out with the girls!!! A rare event!

 

Oh and tomorrow night, I am going to The Ivy!!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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LOL!! Yes I AM!!! Mr Corn has come back tonight so will have some peace on his own. I am going out with the girls!!! A rare event!

 

Oh and tomorrow night, I am going to The Ivy!!!!:D

 

Must point out though that I am not paying the bill, it's a birthday party! Thank God, couldn't possibly afford that!!!!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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oh you WAG/Chav/name dropper!!

It's lovely, and I know this sounds really stupid, but their shepherds pie is stupendous. And you may even get wilted spinach with it! So I will want to know who you spotted there.

 

LOL!!! Chav most certainly not!!! HOW RUDE!!!!:o

 

I am a proper WAG (well in Primarni terms anyway), and to husband's delight I am wearing a dress and everything!!!

 

I shall reveal all on Sunday......knowing my luck it will be Peter Stringfellow and Terry Wogan:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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blimey - don't fancy yours much then:wink:

 

Or yours!!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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What both at the same table? When I went there (can't be outdone y'know) I saw Eve Pollard (who?)and Jane Seymour.

Just had horrid thought that Corn is romancing Stringy in his thong. (Or Stringy in his Thingy) Marvellous!

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oh God Rhia I thought about the thong when Corn said that. (Leopard skin or similar was it not?)

Sets my hear a flutter - or is it a panic attack?

 

Morning peeps! As expected, the letters have started after MBNA's ridiculous attempt to provide a cut and shuffle agreement.

 

This morning we received a letter from Eversheds (the DCA's sols) as follows :

 

Dear Mr Corn,

 

We have been informed that MBNA have concluded their correspondence with you, please accept this letter as confirmation of our current position.

 

A copy of your original agreement (er, no application form), was sent by MBNA on 22 February. As Eversheds are not the original credit provider we are unable to act on any duplicated requests for the same.

 

We are aware that MBNA have strongly advised you to contact us to agree repayment of this balance. They have advised that an offer of £120.00 was submitted to them some time ago, however, as no payment was received your debt was subsequently transferred to our client (bloody cheek!! We all know what MBNA did!).

 

If you wish Eversheds LLP to consider this or any other offer of repayment we will require a completed statement of your income and expenditure as outlined in our letter to you dated blah blah.

 

If we do not receive the requested documentation or a response from you within 10 days of the date of this letter, we will recommence collections activity on this account. Our client's offer of a reduced settlement will be withdrawn and your accoutn will proceed for legal action if necessary.

 

Yours faithfully

 

Eversheds.

 

 

Comments anybody? The fact remains that Arrow Global are in default of the CCA and have not provided me with ANY information, let alone a true copy of the agreement. MBNA may think that our business is concluded, however, it is not. They have still not provided me any details of the "default" and have not responded to my Subject Access Request. They haven't even answered my last letter despite the promise of a "full response" by 23rd March.

 

Eversheds will be getting a nice letter from me on Tuesday morning telling them to sod off.

 

I would appreciate any advice!!!:-)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Guest Battleaxe

Tell to them get st///ed and as the matter is now subjudicea, you cannot enter into any negotiations with them, but if they persist you will name as co-respondend tinh your claim for damges and will not hesitate to ask the court for substantial compensation regarding harassment, threatening and intimidating correspondence.

 

Dont know how legal this suggestion is, but it's worth a try. In other words shutup and back off.

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