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    • 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.
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    • 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

ill health and in debt


wannagethelp
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Dear Mr. Westcott/T Mobile

Re. Acount Number xxxxxx

I am in receipt of your letter of xxxx.

Following your letter of 24 January, I provided you with a breakdown of my income & expenditure, and we agreed that I would commence paying you £10 per month in order to clear the balance of £512.24

Today I have received a further bill from T Mobile, which shows an outsanding balance of £1388.96 and demanding full payment.

  • You are fully aware that I am currently only receiving state sickness benefit in the way of income. I thus find your demands impossible to carry to undertake, unrealistic, and to be quite frank, bullying.
  • Please supply me with a full breakdown if these exta costs totalling £876.72. I am at a loss to understand how these charges have suddenly appeared on my account, given that the phone is now disconnected.
  • If you say these charges are penalty charges, please provide a breakdown of each charge separately, together with evidence of any manual intervention
  • Please take note that in no way do I accept these new charges, and as of the date of this letter, this account is in dispute.
  • Further, please supply me a copy of the originally executed agreement. I enclose a cheque.PO in the amount of £1 which is to be used for this purpose only.

Yours......

You may have to adapt this as I'm not sure of the specifics. Get your son to sign it & send it recorded delivery.

 

Then have a look at the mobile phone/internet forum -as I haven't had any dealing with phone companies, but there are loads of people who have.

 

Hope this helps as a"time buying" exercise.

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Good morning ladybird and thank you so much for your reply,:)

 

I have been looking on the internet/mobile forums but I'm panicking and cant seem to take anything in:(

 

I (my son) is , supposed to pay Westcott the first £10 by todays date but feel confused as to whom I should be paying, I would rather deal with T Mobile as it seems they are chasing the complete account still, including the payment supposedly to be made to Westcott by today, I will call Westcott this morning and advise them I am now 'in dispute' over the bill and will fax them a letter I am sending to T mobile with a cc on the bottom for them which will include the paragraph from your letter stating that they know my son in only recieving state benefits ......its so confusing and stress doesn't help much.

 

Your letter was great and I will type that up this morning and address it to T Mobile and send recorded delivery this morning, with a copy and relevant paragraph to Westcott by fax by lunchtime today.

 

I am very grateful for your help nd hope the letter will give me some time to get in a good frame of mind to deal with them.

 

Can I ask, do you know if Westcott can send the baliffs if we don't pay the £10 today or will the letter stop the constant 'chasing and bullying' of my son.:confused:

 

Kind regards

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Hmm.. can't guarantee they will stop chasing and harrassing - even though they shouldn't be doing so, it doesn't seem to stop them. Is there any way you can pay the £10 today? Then at least you can been seen as attempting to adhere to the agreement right up to the date you put it in dispute.

 

If you give details of how they are harrassing your son, we may find we can send them the harrassment letter which should put a stop to it.

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Hi, Yes I can pay the £10 today on my debit card, but I'm scared to,,,,would that then mean I've entered into an agreement with them and not T Mobile? Oh my, and somebody told me if I pay on my debit card they (Westcott), can then just take what they agreed with my son out of my account (and wages), on the payment dates using my debit card details, is that right? Apologies if I'm rambling but I'm so anxious and worried.

 

Thank you.

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Guest peed orf
Can I ask, do you know if Westcott can send the baliffs if we don't pay the £10 today or will the letter stop the constant 'chasing and bullying' of my son.:confused:

 

It might be worth having a look in the Baliffs section, there is advise on how to deal with baliffs if they do come round. well worth a read just in case, also it might remind you, you have power and you do not have to sit back and take this s**t.:eek:

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I thought that your son had already entered into an agreement with Westcott to pay £10 per month?

I'm not sure about the information about them using the details of your debit card every month without your authorisation??:confused: That would be fraudulent. Couldn't you call them and clarify just WHO it you should be making the payment to and then as soon as you know for sure, tell them you are putting a cheque in the post 1st class today, & get the name of the person you speak to. I would try not to enter into a conversation about putting the account into dispute. Send the £10 - send the letter - and with fingers crossed, that should give you some breathing space to clear your head a bit & wait for a reply.

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Hi,

 

I have just called Westcott and they assured me they can only take this payment today of £10, no other unauthorised payments to be taken from my debit card details, took the girls name, that done, took me ages to get myself together and calm, have to rush off to work now.....will sit tomorrow when I get home from work and do the letters to t mobile/westcott,.....thanks again, I feel so much better now I've done something to help him.:)

 

regards

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  • Further, please supply me a copy of the originally executed agreement. I enclose a cheque.PO in the amount of £1 which is to be used for this purpose only.

.

 

Mobile phones are not covered by the CCA.

 

 

 

 

Can I ask, do you know if Westcott can send the baliffs if we don't pay the £10 today or will the letter stop the constant 'chasing and bullying' of my son.:confused:

 

Kind regards

 

Baliffs can only be sent in if there is a CCJ on your son and he has defaulted on it.

 

Hi, Yes I can pay the £10 today on my debit card, but I'm scared to,,,,would that then mean I've entered into an agreement with them and not T Mobile? Oh my, and somebody told me if I pay on my debit card they (Westcott), can then just take what they agreed with my son out of my account (and wages), on the payment dates using my debit card details, is that right? Apologies if I'm rambling but I'm so anxious and worried.

 

Thank you.

 

Can your son actually afford £10 per month on benefits to these people - I would suggest that £1 per month would be appropriate.

Regards your card it has been known for details to be used more than once but is not the norm. However I would send a cheque for this payment, just to be sure.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi wannagethelp,

 

Sorry to hear the latest bad news, do you think there are any other debts lurking? :(

 

If you need any advice on the best way to deal with debts and creditors, i would recommend talking to the CCCS. The Consumer Credit Counsilling Service is a goverment backed charity, and offer free advice on the best way to go about repaying any debts.

They can help take the pressure off from creditors hassling you, and can sometimes get any interest being charged stopped.

Maybe worth a call? the website has more info if you are interested:-

CCCS -

 

Pondy :)

  • Haha 1

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hi,

 

I've just got some great news this morning, my son's PPI has paid out for his bank loan,,,,,oh my, what a enormous relief:-) I'm so pleased something good has happened. I must admit I'd gone under a bit over the last few days, my head felt like cotton wool and was not able to cope with it all lately, but now I feel so much better because of this small but for us a great triumph.

 

I feel I have the energy now to push on with the T Mobile/Westcott matter and I have tried to adapt the letter ladybird very kindly drafted for me and will post to both T Mobile and cc to Westcott by registered post first thing monday morning.

 

I've been trying to get dates from my son when he signed for the new contract, it was before he lost his job and got ill but its all a bit vague and confusing but I do know he was shocked at the first bill he got, £5xx.xx and he called them to query it and was told that it was so high because even though he had a signed for a new tariff it didn't start straight away and so his calls were charged at a high rate????? He accepted this at the time but told them he couldn't pay all the bill at once and asked could he pay his new tariff by direct debit as usual and pay £100 a month off of the excess, they said "no way, pay it all or we cut you off", and he tried this more than once, called them and tried to plead with them to accept his offer so he could keep his phone and not get in any bad credit, he had always paid his bills,,,,,but they would not agree this at all and disconnected his phone. Then, he got ill,,,,,T Mobile sent bill after bill and I believe they have defaulted him to give him bad credit just to add insult to injury:mad: Westocott sent letters and so this is the situation up till today.

 

I'm sorry to ramble on but it feels better to be able to express how frustrating and disappointing it all is no matter how hard he has tried to cope these rotton T Mobile are trying to blacken his name....I know that sounds daft but I really feel he doesn't deserve this.

 

A big thank you to Ladybird, Pondfish, Gizmo, Peed'orf and everyone who has took the time to read my thread. x

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Hi ladybird......have copied my word document but having problems finding the edit in this window,,,,,,,,,can you tell me exactly where it is?:|

 

March 2007

 

 

 

 

 

 

Dear T Mobile

Re: Account No: xxxxxxxx Invoice: xxxxxxxxx

I am in receipt of your final bill dated March 2007 for the sum of £1388.96.

Following a letter from your debt collecting agents, Westcott, some weeks ago, I provided them with a breakdown of my income and expenditure, and it was agreed the I could commence paying Westcott £10 per month in order to clear the then balance of £512.24.

I have just received a further bill from yourselves, T Mobile, which shows an outstanding balance of £1388.96 and demanding full payment, so I now consider that I am dealing with yourselves, and not Westcott, for the full amount.

I had spoke to yourselves, more than once, months before the final bill stage, in an effort to continue as a lengthy reliable customer and continue my contract and pay my direct debit as usual to yourselves for my phones with a additional payment over 3 months to clear the excess monies incurred unwittingly, as I was not advised about the high call charges that would be incurred on my account in the interim before the new tariff had started, but you refused and I believe this to be unreasonable.

I am currently only receiving state sickness benefit in the way of income. I thus find your demands impossible to undertake, unrealistic, and to be quite frank, bullying.

My GP has advised that I have been suffering with my illness since October, so my ability to communicate and make a sound and clear decision at the stage I made the agreement for the new tariff is questionable.

Please supply me with a full breakdown of these costs. I am at a loss to understand how these charges have suddenly appeared on my account, given that the phone is disconnected.

If you say these charges are penalty charges, please provide a breakdown of each charge separately, together with evidence of any manual intervention.

Please take note that in no way do I accept these charges, and as of the date of this letter, this account is in dispute.

Further, please supply me with a copy of the originally executed agreement. I enclose a cheque in the amount of £1 which is to be used for this purpose only.

I would also ask that you remove, to amend would not be acceptable, any default intended or put on due to this account.

Yours faithfully,

 

 

 

 

 

Mr………………..

 

 

found it!!! had to try and remember the key commands from the old days, ha

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Dear Mr. T. Mobile,

 

I am in receipt of your invoice of xxth March 2007, showing an outstanding balance of £1388.96

 

This has baffled me somewhat and I would therefore insist that the following points be addressed:

 

  • All communications regarding this account have been with Westcott, to whom I assumed you had either sold, or assigned the debt. An agreement was reached with Westcott in XXX2007 for me to pay £10 per month to clear the outstanding blance of my account which £512.24 Could you please clarify who is dealing with this account - Westcott or TMobile?
  • I have sent an breakdown of income & expenditure to Westcott, in XXX 2007, which clearly states I am receiving only sickness benefit in the way of income. This formed the basis of my agreement with them. Why then are you expecting to me pay the whole of the outstanding bill when not only is an agreement already in place, but also knowing that this is not a realistic undertaking given my current situation?
  • My phone is disconnected. Could you please therefore clarify why the amount outstanding has risen to nearly £1400 when there has been no usage of the equipment?
  • If you say you have added penalty charges to my account, please send me full details of these, together with a breakdown of how each and every charge has been calculated.
  • Please take note that until these issues are addressed, the account is formally "in dispute" as of the date of this letter.

Under these circumstances, I do not expect any default to be served upon me. I shall expect you to respond to me addressing all these issues within the next 14 days. If you do not respond, or do not respond positively, I shall then consider what further action to take.

 

Yours faithfully,,,

 

wannagethelp....this is what I would write - each point bulletted for ease of reference. I would not mention anything about GP's opinions at this stage - it's not really relevant. Mobile phone companies are not covered by the CCA -so you can't ask for a copy of the credit agreement.(My mistake - rectified by Gizmo)

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hi wannagethelp,

 

Great news on the first victory! :D

 

Hope this spurs you on to get the rest! Good for your son to see things are getting better, he's lucky to have someone who cares so much.

 

Great help from Ladybird too!

 

Thanks for the click! your always welcome.

 

 

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hello again,

 

I have typed up the latest letter, should I include the bit about 'I enclose a cheque for £1' and should I cc a copy to Westcott......? Apart from that its all set to go, feel so much better about this:) ,,,,,,cant tell you how the support of this site has helped me, what on earth would I have done????

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