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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. 
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    • 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.

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      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
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Swisstoni vs Lloyds *** WON! ***


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Hi All,

Just got my copy statements today and am now in the process of sifting through them, although they haven't sent me statements, just details of charges applied. Is this the "norm" or should I have recieved full statements?

Anyways, onwards towards the spreadsheet it is then.

 

Will keep all informed of my progress.

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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Hi All,

 

right everything is together and have my figures.

 

Do I have to put the interest on the preliminary letter, I take it this is the 8% statutory interest.

 

Any Help Appreciated.

 

Thanks

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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Hi

No don't include the 8% until you file the Court claim. The interest that the prelim letter refers to is if you are claiming o/d interest (complicated to work out, often not worth claiming) so just delete that part from your letter.

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi Barty,

 

thanks 4 that.

 

Yes, will keep you all posted as things go on. Got MBNA to do as well, would you recommend doing it at the same time or wait til i've got into this claim and have an idea of what's going on? I'm just scared of getting muddled up and confusing one with the other.

 

Any help appreciated

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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Also, I've got a secured loan with black horse (up to date with payments) and a credit card with Lloyds on agreed payments (fell behind a couple of years ago and made an agreement to pay so much a month which i've always kept to and even paid a £1000 lump sum when I had surplus cash). Can they make me pay back the credit card debt? (Not bothered cos my claim is way more than the debt!) Also will it affect any aspect of my secured loan? Any help greatly appreciated.

 

Thanks

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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  • 2 weeks later...

Morning All,

 

Standard Reply Letter recieved from LTSB this morning from the poor unfortunate Debbie Gilbert at the Customer Service Recovery Centre at Andover.

 

Does this now mean I can send my L.B.A or do I have to wait the allotted 14 days or is this the period in which they have to reply?

 

Thanks For Any Help SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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You gave them 14 days to reply. They have replied so now you can move on immediately. Get the LBA off asap.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Just done the LBA,

on the first line, it states "as you have failed to reply to my letter dated xx-xx-xxxx", as they have replied, do I alter this to "In reply to your letter dated xx-xx-xxxx"?

 

Thanks

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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Hi all,

 

after a short delay, the L.B.A was posted off today!!!

 

GIMME MY MONEY LLOYDSTSB!!!!

 

Fingers Crossed Now

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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  • 2 weeks later...

Hi All,

 

Posted out my L.B.A. on the 31st May to Lloyds at Andover by recorded delivery.

 

 

Been online the last couple of days and it's not recorded as being delivered.

Rang the royal mail this morning and they say that they've no record of delivery and that it's not deemed lost until next Tuesday and I should submit a claim form then.

 

 

My question is that the lady at the Royal mail said there was a possibility that it has been delivered but as Lloyds recieve so much mail they sign for recorded items them in batches and there may be a delay in getting the delivery information

 

 

however it's not usually as long as the time now elapsed,

so can I send out another L.B.A. to Lloyds,

this time by special delivery as these are signed for on an individual basis

or should I wait till next Tuesday until the item is "Deemed Lost" and start again?????

 

I don't want to be giving Lloyds any ammunition that they can fire back when it comes to going to court.

 

Any help greatly appreciated

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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you can send the 14 day letter again if you do not want to wait

but if you do,send it next day g/teed

tis more expensive(£4.50 aprox) but worth it in the end

your 14 days will then start from there

[sIGPIC][/sIGPIC]

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Hi

As far as I am concerned, you have proof that the letter has been sent, so I would give them 14 days from when you sent it and then start the Court action. Chances are they have probably received it, but as they receive that many letters they can't possibly sign for each one.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Gonna send another LBA out guaranteed next day so I know that they've got it.

Thanks Guys

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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Hi guys,

 

Just to follow up on what Barty said. I agree with him to a certain extent.

You have proof you posted `a letter` to LLoyds, but you can`t prove the content of the letter.

 

We had the same problem with my own Request For Payment and also my girlfriends SAR with Halifax. It turns out they both got there in the end but they have still never been signed for.

 

Royal Mail sent us 2 claim packs for our lost letters, but these where 4 page form which we just couldn`t be bothered to fill in.

 

The best option we now use, is to simply walk into your nearest branch and ask one of the nice customer service people to post it via their Internal Mailing system. Ask for for a Receit and tell them it`s a Letter Before Action and they will write that on the Receit too.

 

The day you take it in is your first day. Once they have it, I don`t care what happens to it, you know they have it.

 

Hope this helps.

 

By the way, I received the £750 carrot into my bank, but haven`t got around to claiming back the other £180 they owe me.

 

We have decided to let the Financial Ombudsman tackle my girlfriends claim with the Halifax. We sent the SAR, then the Prelim, then the LBA which they ignored. So, here`s waiting.

 

Good luck with your claim.

 

 

Neil :p

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi Barty,

 

Thanks for that, just spoke to a friend tonight who is a company secretary and does all their legal stuff and she told me the same info regarding postage and recieving letters although she says that the contents can be disputed.

 

 

What She told me to do is send a copy of the L.B.A. letter and schedule of charges together with a copy of the proof of postage for the original letter and state

"that it is a copy of the same posted on said date and that as delivery cannot be confirmed due to your high amounts of daily post that 2 working days after the original date of postage shall still be deemed as the date of official reciept"

 

Sounds OK to me

Hope this helps anyone else who has the same problem.

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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still gets back to if you are posting a letter send next day g/teed

if you do this they are marching to your tune(timescale)

hope this helps

 

the reason is if you send correspondence by rec Del and there is no one able to sign for it then the banks have to send someone to collect from sorting office and this is usually once a month resulting in a dodge on their behalf

next day g/teed is delivered to even a PO box and logged by the postie

so no delay and therefore no dodge ;)

[sIGPIC][/sIGPIC]

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Hi All,

Further to the Royal Mail "losing" my L.B.A and me sending them a duplicate L.B.A. on Monday, today I recieved a letter from them offering me £750 as full and final settlement. so obviously they had recieved it although it wasn't signed for!!

Going to reject this but can that money be touched as I have a few bills I would like to pay or should I just leave it where it is?!?!? Any help would be appreciated.

 

Swiss T

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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RM are pants, I have never sent a letter RD for any of my claims. I would not bother with it.

 

Rejection link here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

Spend away it is yours.

If I have been helpful please click on my star and add a comment.

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Hi Guido,

 

RM are pants, I have never sent a letter RD for any of my claims. I would not bother with it.

 

Rejection link here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

Spend away it is yours.

 

 

It says in the rejection letter that "I authorise you to remove this sum accordingly", I don't want to use it then have them banging on my door demanding repayment!!!

Sorry for being pessimistic

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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