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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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cl0nd0n v Nasty West


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Fingers crossed now I either get an offer or a court date?

 

Let's hope it's an offer! ;)

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This morning I filed my AQ at my local court & paid my £100!

 

Posted a copy by special delivery to out friends at Cobbetts!

 

Fingers crossed now I either get an offer or a court date?

 

I think I may have a problem! Can anyone advise on this?

 

Yesterday I filed my AQ N150 at my local county court with my £100. I sent a copy of this along with my order of directions, schedule of charges etc to Cobbetts.

 

In this mornings post I recieved a photocopy of their AQ N149 from Cobbetts and a letter saying 'We refer to the above and enclose a copy of our client's AQ, which has today been filed at court'.

 

Why have they filed an AQ N149 and my Court sent me an AQ N150? Surely they should be the same. On Cobbetts one it says 'Do your agree that the Small Claims Track is the most suitable track for this claim?' and they have ticked yes!

 

My claim is for £6,728 + £1,287 in interest. I was advised over £5k and it was Fast TRack not small claims?

 

Should I be worried about this?

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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I asked my local court about this. THey sent you a N150 because your claim is >£1500 and so you had to pay the Allocation fee and therefore get the more detailed N150 form. Cobbetts have nothing to pay, so they get the simpler N149.

 

 

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I asked my local court about this. THey sent you a N150 because your claim is >£1500 and so you had to pay the Allocation fee and therefore get the more detailed N150 form. Cobbetts have nothing to pay, so they get the simpler N149.

 

Cobbetts have nothing to pay! They sure do! Over £8k to me! ;)

 

Thanks for the reply Steven. So your sure I have nothing to worry about? They seem to be standing their ground and defending this one! I juts wish they would stop mucking about and make me a dam offer!

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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So your sure I have nothing to worry about?
Sure
They seem to be standing their ground and defending this one!
'seem' is the operative word here - they won't actually defend. THeir usual trick is to settle the day before court (although occasionally they get it wrong and forget so that the defence gets thrown out in court)

 

 

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Sure'seem' is the operative word here - they won't actually defend. THeir usual trick is to settle the day before court (although occasionally they get it wrong and forget so that the defence gets thrown out in court)

 

Keeping all fingers and toes crossed!

 

Any idea what the average time from filing AQ to getting a court date is?

 

Is it likely to be a few months until the actual date?

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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I don't think there is an average - depends how busy the court is. In our NatWest case the AQ was file on 18 June - dead silence from the court since.

 

 

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  • 2 weeks later...

S**t! S**t! S**t!

 

This morning I recieved a letter from the court saying :

 

THE COURT OF ITS OWN INITIATIVE ORDERS THAT

 

1. The claim is stayed unitl 31st March 2008 with a view to awaiting the decision in the test case. Either party may apply at any time, by application on notice in accordance wiht CPR 23, to lift the stay.

2. If no such application is made, the court will give directions of it's own initiative on the expiry of the stay.

 

Guys what do I do now! I really can't afford to wait until March for the money plus this has cost me £250 in court fees & £100 for the AQ so far!

 

How shall I best proceed with applying to lift the stay and making sure it's the best chance I have? Has anyone suceeded?

 

Is there anything I should be doing to force Cobbetts in to an offer?

 

Really worried this has all been a big loss now!

 

Cheers

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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I have a similar order (stayed until 30th November 2007) - I am going to the court this morning to apply for the removal of this stay. I suppose that's all we can do - we seem to have fallen between two stools here - right near the end of court proceedings, yet no payout in sight (maybe for months/years).

 

I know how you feel - just like the rug's been pulled from under you.

 

I say, apply to remove the stay and keep everything crossed - that's what I'm gonna do.

 

All the best,

 

Jon

 

p.s. been watching your thread with interest ! (Not the 8% type !)

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I totally agree with Jon, you need to apply to have the stay lifted/set aside. have a look here for further guidance on how to do this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html. Just out of interest, could I ask which court your claim is with please?

 

Best of luck x :)

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I totally agree with Jon, you need to apply to have the stay lifted/set aside. have a look here for further guidance on how to do this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html. Just out of interest, could I ask which court your claim is with please?

 

Best of luck x :)

 

I will get cracking on the N244 now then! I got a bad feeling that it will be more money I am laying out to get nothing back!

 

For reference it is at Luton County Court.

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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  • 1 month later...

HELP HELP HELP!

 

Guys has anything changed recently? Are any of the banks paying out or are we still on hold until they decide what to do?

 

I have a large claim outstanding, £250 invested in court fees, £100 in the AQ and something has cropped up and I really need to setlle this claim!

 

Please, please let me know if there is anything I can do to get this moving?

 

Should I be ringing Natwest and houding them?

 

Should I progress to get the stay lifted? Will this work?

 

Thanks!

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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Hi CL

 

I'm afraid I can't hold out much hope at the moment. Almost all claims are being stayed until after the OFT case and very few stays are being lifted. The only reason (it seems) that a stay may be lifted is in the case of haardship (usually, but not always, people on benefits).

 

 

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Well I am not on benefits but sure meet the hardship bit right now!

 

Is it worth trying? Really do need this money!

 

Is there any chance we may not get the money back after the OFT case? Do we rick loosing the £350 in court fees I have already paid?

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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You can try to get the stay lifted but that itself will cost £65. And IMHO there is not much chance of success.

 

The OFT case is schedlued for 8 Januray and is expected to last 8 days. The scope of the claim seems to have changed - it seems nowt that the case will on;y test whether the UTCCR1999 aply to bank charges at all. Whether they are unfair or not will probably not be decided and certainly whether they are contract penalties will not be decided.

 

Again IMHO, whichever way the decision goes we will be able to carry on claiming on the grounds that charges are contact penalties. The case will actually resolve nothing. But then, no-one really expected it to.

 

 

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  • 3 years later...

Hi all

 

Been a while since my claim got stayed by the courts but I believe I am now truly in Financial hardship. I have the relevant I&E form from Natwest and will be sending this back shortly. My original claim was for £6,728 + £3,276 interest. This was submitted to the courts in May 2007. I paid the court fee's, £250 from memory and then this was stayed.

 

As I now need to claim for Financial Hardship should I re-calculate my claim for charges since May 2007? The original claim was for period 15/05/2001 to 14/06/2007 ie. 6 years. or do I need to start an entire new claim for period since?

 

Finally I am having trouble tracking down a suitable letter that I can send to assist with my hardship claim. Does anyone have a good example of what works for a claim with Natwest?

 

Cheers guys

 

Chris

_______________________________________________

 

NatWest Claim - £6728

 

07/05/07 - 6 Years Statements recieved

09/05/07 - PreLim Letter Sent

24/05/07 - LBA Sent

25/05/07 - 1st Response from Natwest recieved

14/06/07 - N1 Filed @ County Court

15/06/07 - Claim Issued by County Court

28/06/07 - Acknowledgement of Service from Cobbetts

13/07/07 - AQ Received

 

30/07/07 - AQ Filed @ County Court

 

Barclays Claim - £ ???

 

14/06/07 - Request for statements

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