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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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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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amills58 v natwest


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Don't worry Adam, standard cobblers from cobbetts. They like to do this to claimants who file with MCOL - basically as there isn't really enough room to input information as thoroughly as the N1 hard copy claim form. Have a good look at the letter in this thread http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html and follow Martin's advice. Send cobbetts the letter along with a copy of your schedule of charges. If you don't have a schedule of charges, you'll need to compile yourself one from one of these spreadsheets here Download the correct one for your PC (use one of the simple versions if you're only claiming the s69 8% interest) and enter each charge into the spreadsheet (it automatically works out the interest for you). Send your local county court a copy of this letter here http://www.consumeractiongroup.co.uk/forum/natwest-bank/55874-letter-court-re-cpr18.html as soon as your claim has been transferred to them. Try not to worry too much though - if you have a read through some threads on this forum you'll find that cobbetts send out the same defence on a regular basis. Poor dears only have 3 or 4 templates to use on us - bless! ;)

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Hi all is this letter ok to send off to Cobbetts in response to their defence???? also I have done the spredsheet for the charges using the template on here, I will send that but it has a higher amount by £15 because of the interest, I will send off the one I originally sent to Natwest as well

Dear Sir

Claim No: ********

 

I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.

I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative

Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account:

Account Name: MR A MILLER

Account number: ********

Sort Code: ******

 

Please also find enclosed a breakdown of all charges I am claiming, one is the bank Charges interest calculator originally sent to NatWest and the other is Schedule of claim for charges.

 

 

Yours Faithfully

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That looks fine Adam - quick work too! ;)

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I'V got another question I don't know if it is one that may sound a bit silly but here goes anyway

 

on the statements where it says, charge, paid referral or referral charge for June (or any other month) £25.00 I can reclaim that???

 

Also there are charges that only say for example,

30MAY A/C ******** £25 I can recalim them to????? for those I have put them as CLEARED TRANSACTION on the spreadsheet is that right???

 

Some of these charges go really quite high

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Paid referral/referral fees (£25) can be reclaimed - I think they charge you a maximum of three per month on these. I don't know about cleared transaction - if it's £25 it sounds like the referral charge. Check the sticky on charges to confirm.

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Hedgey06

 

I have checked the sticky it does not say anything about that CLEARD TRANSACTION, I don't actually know if it is called that but, the statements do not give it a name it just says charge and some go as high as £37.

 

Thanks

 

Adam

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So does it say charge - or charge for cleared transaction? And have you got an Advantage Gold account?

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I do have an advantage gold account

 

on the statement it says

 

for example: charges 28JUNE A/C ******** £37

 

that is literaly what it says.... what do you reckon

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It's the 'unarranged borrowing fee' - there's an explanation of it in the nat west sticky thread on charges. You can reclaim this, but because you have an advantage gold account you should have deducted the AG fee from this and just reclaimed the charge. Don't worry if you didn't do this - cobbetts will go over your schedule/statements with a fine tooth comb anyway, and they'll just deduct the AG fee from your overall claim.

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Hi

 

This morning I recieved my notice of transfer of proceedings from the court.

 

They have transfered my case to the Norwich County court, which is obvious as that is the area I live. On the second page it says:

 

IT IS ORDERED THAT -

1. The filling of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise.

 

Right this means that I don't have to do the AQ right as I did not recieve one.... will there be any kind of fee that I have to pay???

 

Also there is no hearing date how long after this letter does that usually come..

and should I still send this letter to the court in response to cobbetts asking for CPR part 18 request Send your local county court a copy of this letter here http://www.consumeractiongroup.c o....-re-cpr18.html as soon as your claim has been transferred to them.

 

Help and advice please.....

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hi

 

do I do this now the court has dispensed with the AQ

 

you send the Draft Direction to the court you've now been transferred to - the same as if you were filing an AQ using the new strategy:

New strategy for Allocation Questionaires

So, this would mean a cover note like this:

 

I have not copied the letter but would I send it with the Draft dirctions to the court........

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hi

 

do I do this now the court has dispensed with the AQ

 

you send the Draft Direction to the court you've now been transferred to - the same as if you were filing an AQ using the new strategy:

New strategy for Allocation Questionaires

So, this would mean a cover note like this:

 

I have not copied the letter but would I send it with the Draft dirctions to the court........

 

 

Hi sorry to be a pain but would I do this

 

thanks

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Amills, have you received notification from your county court that the AQ is being dispensed with yet - or just the notification from Northampton?

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yes I have, it arrived today, the AQ is being dispensed with, so do you think I should do the new stratagy and draft directions or just send them a letter regarding cobbetts requst for CPR part 18????

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If your own county court are dispensing with the AQ, you can still send the draft order for directions. With regards to Cobbetts CPR 18 request, you need to send them the letter in the link that I previously posted. The letter to the court re: the CPR 18 request should be sent to your county court. But this is seperate to the AQ.

 

Deal with the CPR 18 stuff - then send the court the draft order for directions. ;)

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Brill,

 

I did'nt know if I could send both, but I shall send the CPR part 18 stuff to the courts, and then the letter about the draft directions, which I will have to modify to suit cobbetts defence that they sent to me, is that right????

 

Also Hedgey06 now I have recieved my notice of transfer from the courts, how long after do they set the hearing date usually?????

 

thanks

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The Draft Order for Directions should be sent as it is - no need to modify it. You'll basically be asking the court to grant the order regardless of cobbetts' defence.

 

It's difficult to judge when a hearing date will be set as county courts throughout the country differ. For example, on 16th June I received an AQ and returned it along with the Draft Order for Directions by the deadline date of 3rd July - and I've been informed I'll be looking at 2 to 4 weeks from 3rd July before I hear anything.

 

It's a waiting game unfortunately, but as Parkvale would say - patience is a virtue! ;)

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Hi

 

I have just rang Norwich county court to ask if I had to pay the AQ fee, they said that I did'nt and the case is with the judge, who will set a hearing date. thats got to be a good thing right????

 

Also do you still think I should do the draft order for dirctions with the covering letter?????

 

thanks

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Hi

 

I have just rang Norwich county court to ask if I had to pay the AQ fee, they said that I did'nt and the case is with the judge, who will set a hearing date. thats got to be a good thing right????

 

Also do you still think I should do the draft order for dirctions with the covering letter?????

 

thanks

 

If the case is already with the judge (who's preparing to set a hearing date) I'd be inclined to say it could be too late to send the Draft Order for Directions now.

 

Seems like the judge has got the case awfully quick though. :???: Thought you only received notification from them on the 7th??? No disrespect but I'd be inclined to phone the court again tomorrow just to double-check - and if the judge hasn't actually looked at your claim yet, send the Draft order.

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Yes thats right I did get the notification on the 7th, when I spoke to the person on the phone today, she said the case is with the judge who will set a hearing date, but I will take your advice and give them another ring tomorrow... could that be a bad thing that the judge has it this quick???

 

thanks

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NO! Probably means they're not completely inundated in that court with bank charge claims! ;)

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  • 4 weeks later...

Hi

 

I have just recieved another letter from Natwest saying that their goodwill offer is still open, they sent me a rather long letter basicaly saying that beacause of the test case they have asked the FOS and the courts not to proceed with any other case until this is resolved.

 

The offer is for £973 and the claim is for £1500 with fees, what do you think I should do, it does not look like I am going to win now

 

please help

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