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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. 
  • 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

Diskmandave -v- Robinson, Way & Co - The Never Ending Story


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:eek: Was supposed to be looking at the UK Insolvency Helpline tonight (Sorry Rory 32!!) but have just spent the last hour and a half reading this thread. Better than Corrie:D Definitely subscribing Dave

 

Robinson Way are not my favourites.....but that's another story!!!

 

Brassed Off:) - am subscribing "big style" LOL

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They are having a giraffe !!!

 

Under s189 it's rights AND duties, I beliveve.

 

So the are basically saying we want money, but we don't have to prove to you that we can legally collect on it.

 

Also as the agreement is unenforceable, surely they can't pass information to the CRA's, no CCA no proof of debt.

Be VERY careful whose advice you listen too

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They are having a giraffe !!!

 

Under s189 it's rights AND duties, I beliveve.

 

So the are basically saying we want money, but we don't have to prove to you that we can legally collect on it.

 

Also as the agreement is unenforceable, surely they can't pass information to the CRA's, no CCA no proof of debt.

 

Well, as it's better than Corrie... I thought i'ld better do it now! LOL!

 

Comments please everyone.......

 

Regards, Dave.

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What TF. They are talking absolute Sh1te. They want the money that they cant even prove you allegedly owe them. I am sure you will let the FOS charge them £400 for his opinion. You do not need to write to them anymore as they say this is their final word on the matter. Juan Kerrs

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Hayley Felton ..Complaints & compliance manager eh ?

 

An interesting name to drop in my conversation to the telephone oinks that pester me.

 

If I find her phone number , i'll will call everyday right after they have called me, she how she likes it.

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If, as it appears they are saying, they are not a creditor for the purposes of the act it therefore follows that you can not be a debtor.

 

189(1) "debtor" means the individual receiving credit under a consumer credit agreement.

 

If you follow the logic of their arguement that is.

 

Also their arguement is further flawed by the statement legal assignee under section 136 of The Law of Property Act 1925. To be a legal assignee the assignment would have to be absolute whereby the rights and duties pass to the assignee.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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If, as it appears they are saying, they are not a creditor for the purposes of the act it therefore follows that you can not be a debtor.

 

189(1) "debtor" means the individual receiving credit under a consumer credit agreement.

 

If you follow the logic of their arguement that is.

 

Also their arguement is further flawed by the statement legal assignee under section 136 of The Law of Property Act 1925. To be a legal assignee the assignment would have to be absolute whereby the rights and duties pass to the assignee.

Spot on.

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Some more for you all:

Law of Property Act 1925

Legal assignments of things in action.- (1) Any absolute assignment by writing under the hand of the assignor (not purporting to be by way of charge only) of any debt or other legal thing in action, of which express notice in writing has been given to the debtor, trustee or other person from whom the assignor would have been entitled to claim such debt or thing in action, is effectual in law (subject to equities having priority over the right of the assignee) to pass and transfer from the date of such notice-

(a)
the legal right to such debt or thing in action;

(b)
all legal and other remedies for the same; and

©
the power to give a good discharge for the same without the concurrence of the assignor:

Provided that, if the debtor, trustee or other person liable in respect of such debt or thing in action has notice-

 

(a)
that the assignment is disputed by the assignor or any person claiming under him; or

(b)
of any other opposing or conflicting claims to such debt or thing in action;

he may, if he thinks fit, either call upon the persons making claim thereto to interplead concerning the same, or pay the debt or other thing in action into court under the provisions of the Trustee Act, 1925.

Be VERY careful whose advice you listen too

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Also from CCA

“ creditor “ means the person providing credit under a consumer credit agreement or

the person to whom his rights and duties under the agreement have passed by

assignment or operation of law, and in relation to a prospective consumer credit

agreement, includes the prospective creditor;

 

As I believe CCA74 assignements take precedent over LoP25.

There is a big discussion going on covering this issue.

 

Which ever way you look at it they are tying themselves in knots and confusing themselves completely.

Be VERY careful whose advice you listen too

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Also from CCA

 

 

As I believe CCA74 assignements take precedent over LoP25.

There is a big discussion going on covering this issue.

 

Which ever way you look at it they are tying themselves in knots and confusing themselves completely.

Nothing new there then,

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I can't give rory any more reputation, for some reason, but he is sure one smart guy:) LOL.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I can't give rory any more reputation, for some reason, but he is sure one smart guy:) LOL.

 

I agree with you and likewise I cannot give him any more reps. He dosent really care about the reps he just likes helping folks out, and as you say does a great job.

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I've just used this information in a new letter- a thing of beauty, i must say - http://www.consumeractiongroup.co.uk/forum/cabot/87356-1970-vc-cabot-yes-4.html#post919910 .

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Wow! This has exploded overnight, like that advert that's on telly at the moment where the clothes explode around the room! Really only put the letter up last night as it appeared some ppl didn't really want to wait until today.:rolleyes: (Had too much to drink and wanted to go to bed!)

 

So I figure i've 2 options now really... One would be to go down the FOS route for which I could be ruled against, or Two make 1 final approach to the compliance address offering monies paid to date as FaFS with the account to be marked down to a zero balance and removal of any entry/s at CRA's.

 

I can't give any more rep's to Rory either! Have tried! ;)

 

Gotta go out for the rest of the day now, but will deal with this fully tonight...

 

And as usual, thanks for the support everyone! thumbsup.gif

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