Jump to content


  • Tweets

  • Posts

    • 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.
      • 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

Help Needed with HFO Services


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5701 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 62
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

licky licky brown nose setmefree lol. Am not the forgiving type when it comes to how dcas treat unsuspecting members of the public.

 

I love you too CALVI36,but i can see that you are annoyed,i will pop around to yours later and make you a cup of horlicks.:p

Link to post
Share on other sites

Helen,

Just as a point of note - until this new "owner" of the debt provides you with a copy of the agreement (which conforms to the CCA1974) it is an alleged debt. UNtil they can prove:

(1) that you owe them any money; and

(2) the amount owing

you are legally entitled to withhold all payment.

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.

Link to post
Share on other sites

Anyone here is welcome to harrass me by the way, I would enjoy that.

 

That just says it all,judging by certain posts i av read on this thread,i think it's a case of a line in one of the spice girls songs..(two become one)

Link to post
Share on other sites

I wouldn't flaunt the fact that your a spice girls fan setmefree :D

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.

Link to post
Share on other sites

I wouldn't flaunt the fact that your a spice girls fan setmefree :D

 

ok rory i couldn't think of another way to put it BUT if you tell me what you want what you really really want...i will try another way.

:D :D :D :D :D

Link to post
Share on other sites

Hi bg5067, I'm getting confused with your info, are hfo a DCA or not? I have not had any letter from the original company to say that the dept has been sold and I have not had a letter from HFO to say that they have bought the dept from them so do I ask for a copy of the original contract?

thanks Helen

Link to post
Share on other sites

You can certainly ask for a Notice of Assignment (they are not actually allowed to pursue a debt without issuing one), but without a copy of your consumer credit agreement even a Notice of Assignment is invalid.

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.

Link to post
Share on other sites

dg5067 If you do work for this company I do not think your advice will help much as I have had plenty of that from your colleges on the phone, with not much help. I will tell you something though since I found this sight and asked for help from people I do not know who have given me good advice on what to do, I think you should talk to some one who will listen.

Link to post
Share on other sites

Please do not post personal insults against other users any posts containing them will be removed .

 

 

Please use the report post (warning triangle bottom left ) to report any offending posts , Thanks

 

 

Before acting on any advice please be aware that this is a public forum and not all advice given is correct you may wish to consider a users post count / reputation before considering who's advice to listen to .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

Hi Helen,

 

I suggest the following. The suggestions I give are given in good faith and to the best of my knowledge work.

 

1. Do not correspond by phone as you will probably not be able to record conversations.

2. Correspond only in writing and send either recorded or special delivery.

3. Request copy of original Consumer credit Agreement.

4. Request notice of assignment. ( Thanks Rory, closet spice girls fan or maybe even backstreet boys, ahem lol).

5. Keep copies of all letters you send.

6. Inform them that you only wish to be contacted in writing.

 

The ball is then in their court and they will know that if they want to recover any monies from you then they will have to respond.

Link to post
Share on other sites

Hi Helen, when a debt is transferred or sold from a funder to a dca, the debt has to be assigned at the high court. They must provide you with notice of this if the debt is bought by a factoring company. If they do not have this then teehee poor them. Just deal with it in the manner I have suggested helen and you will find out all you need to know. If they do not respond and they take you to court then poor them again, they will have no case and will actually have committed a criminal offence. Hope this helps me old mucka.

Link to post
Share on other sites

Include both in the same letter, include a postal order for a quid. The rest of it let them dig and dig until they find what you are asking for. Until the cca is sent and you are happy that this is the agreement that you signed do not pay them a penny. At the end of the day you do not know who this company are, they could be attempting to gain monies unlawfully. It's like i said in one of my previous posts on this thread:

 

Forgot to say, you owe me money, if I don't get it I will send bailiffs (heavies) round to your granny's house, take all her stuff and her prize moggy, might even threaten the old dear and kidnap her. This will happen between 3am and 6am am not telling you when though. I won't even bother going to court for an order, I'll just lie and tell you I have done it. But thanks for sending me all your bank details which I am now using to have your statements redirected to your new address (MINE) and a new cashcard so I can empty what you have in your account!

You can't beat a bit of sarcasm, hope you get the message in this!

 

What I am saying is that anyone could call you or write to you and say you owe us, my attitude is oh do I ffffing really, prove it. This is how I deal with demands for money. I know that you must have been very distressed by the phone calls H, don't call them again. Write Helen, if they do not respond then ho hum smile a lot as you have them where you need them, it's called the sharp end. I gotta go now, chicken is almost ready and yes am the one doing the cooking. If you need help with the letter pm me.

Link to post
Share on other sites

Just a quick note, if they do ever manage to send you something which they say is a copy of the agreement please scan it and post it into your thread. All consumer credit agreements have to conform to The Consumer Credit Act 1974 - most don't for one reason or another so are unenforceable.

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.

Link to post
Share on other sites

  • 4 months later...

I made a verbal agreement with HFO this morning and then spoke to a friend of mine who is a government debt counsellor - I telephone them back and told them to cancel the agreement because until I receive something in writing from them they can't ask me to make any arrangement with them. I was passed through to an account manager who then said she would demand full payment as we had not agreed. As I have not yet received a CCA or any correspondence from them I think I was within my rights to do this. She then said an agent could call at my house - I live with my parents and they would be horrified to receive a debt collector at the door.

Do HFO have the right to do this as they say they are a factoring company and not a debt collection agency and is there any way I can prevent this? I would be willing to pay a token payment as we negotiated from £1000 to £50! I now know that I shouldn't have made an arrangement and have cancelled it until I receive anything in writing.

 

Please help - they said the Consumer Credit Agreement does not apply to them - they bought the debt from Morgan Stanley on a card for which I owe £3400.

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Please start your own thread on this loopy lou. That way you will get a lot more help. Post a link to your thread if you like. I will answer a couple of your questions though.

Do HFO have the right to do this as they say they are a factoring company and not a debt collection agency and is there any way I can prevent this?
They have no more right to come to your door than anyone else and in fact are supposed to make an appointment, not just turn up. You can revoke this right. See letter below.

 

Dear Sirs,

 

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

 

Should it be necessary, I will obtain an injunction.

 

Yours sincerely,

they said the Consumer Credit Agreement does not apply to them
Complete rubbish. Credit cards are running account credit and you can request a copy of the agreement under s78(1) of the Consumer Credit Act.

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.

Link to post
Share on other sites

Loopy lou if you don't know how to start your own thread or post links have a read here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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.

Link to post
Share on other sites

Hahaha I'm a dummy!

 

I've started one and thanks so much for the prompt reply. I'm scared now.

 

I don't want people coming to my house. OK, I owe them money but this is horrible.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/117710-hfo-services-please-help.html#post1190838

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Don't be scared, home visits almost never happen (although every DCA threatens people with them) and you are quite within your rights to tell them to p1ss off.

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.

Link to post
Share on other sites

I need to get this straight quickly. Are you people advising people not pay their debt? What kind of advice is that? Heres an idea, you took the money, you spent the money and given something must have happened but guess what, you are still liable for the money. All this advice seems to be pushing people away from the facts. If things do start to get out of hand and you do get sued what is your defence going to be? "oh i was on a forum and someone told me not to talk to my creditors". I did and guess who has a ccj now?

 

Heres some advice sort yourself out. Granted people on this forum think they are helping which is commendable but lets face the facts you will at one stage be put on the spot in front of a judge what are you going to do?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...