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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?    
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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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    • 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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manf v Ruthbridge and Littlewoods


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ohhhhhhhhh Derek is still busy i thought he had gone on holiday as he has stopped calling me 18 times a days and thats since i sent him a nice little harassment letter and CCA latter. I have some nice recordings of Mr Maxwell being abusive and treating to me.

 

Manf you are not alone just remember that when it comes to those bullies at Ruthless oops i mean Ruthbridge :D

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I have some nice recordings of Mr Maxwell being abusive and treating to me.:D Enough for the boys in blue I hope

 

Manf you are not alone just remember that when it comes to those bullies at Ruthless oops i mean Ruthbridge :D

You were correct first time. They are RUTHLESS and USELESS:p

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thanks again guys for all your posts you know you are all great i could kiss and hug you all at the same time lol no im not a man i know my nickname is manf but my real name is sam thanks again guys you are really a big big HELP !!!!!!!!!!!!!!!!!!!! xxx

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Hi manf another helper for you if these twits had all the correct documents for a debt they would not be ringing you they would have sent you something like the prelim letter we use for refund of charges from banks and credit card suppliers giving you so many days to pay then they would send a letter before court action then you would hear from the court approx 6 weeks. That is the correct way to do it. Demanding phone calls are from slime bags who have just bought a debt for about 10% of the total value have never checked if the debt is legal etc. Any way Littlewoods do not have any signed agreements they were to busy sending out goods to bother with credit agreements, as I found to my good today. I have just been informed by Littlewoods they do not have an agreement for my wifes catalogue. The same will happen to you these slime bags will send the debt back were it came from.

 

all the best dpick:p

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hi guys just had a letter in the post from ruthbridge sorry its long but here goes..................

 

further to previous correspondence regarding the above balance 2543.02 WITHOUT PREJUDICE.,you are hereby given notice that bankruptcy proceddings are due to commence for recovery of the outstanding balance,together with costs and interest.

 

we are no longer prepared to correspond with you regarding this matter as we be advising our client,no later than 10/8/2007 to issue a petition for your bankruptcy,with a view to the seizure od assets/property,at the discrection of the court appointed trustee.

 

you should also note that the above debt of2543.02 is a principle sum,which will increase considerably should the interset which has been frozen for the last 19 months be applied.

 

however,as a final oppertunity to avoid legal proceddings,we are prepared to accerpt a lump sum payment of 2543.02,which must be recieved in our offices,no later than 10.8.07. this sum would be accepted as full and final settlement against your liability and will also ensure that you are noty pursued for the remainder of our clients claim,at any point in the future.

 

as an addd incentive,once this sum has been recieved and cleared,our client will instruct the credit reference agencies to mark your debt as satisfied

 

the bottom of the letter just gives info on payment details theirs...........

 

sorry its long but now im crapping myself BIG TIME HEEEEEEEEEEEEELLLLPPPPPPPPPP!!!!!!!!!!!!!!!!!!!!!!

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Hi Manf, I'm only guessing, but I think the 'WITHOUT PREJUDICE' bit gives away the fact that these are once again empty threats.

 

This letter cannot be shown as evidence in court. Derek wouldn't like these threat-o-grams to be used as evidence.

 

Relax, Kind Regards

Bigandy

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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IF YOUVE SENT YOUR CCA REQUEST AND CAN PROVE ITS BEEN RECIEVED BEFORE THIS LETTER WAS PRODUCE! you have nothin to worry about

 

sit back and let the time expire, if they DID go to court you can defend, and non compliance of CCA is a total defence in ANY court, you may want to write a letter to that effect.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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hi guys i will try and not panic i sent of the cca last saturday morning by registered post so they have to sign it, strangley enough the balance has gone down by a pound !!!!!!!!!!!! and yes i have proof i sent it so the twelve + 2 days is up on the 16th august thats 14 working days sorry haven't posted earlier but just come back from work and the letter was signed by their legal dept

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All good then.

So I'd say they have received your CCA, judging by the reduction of balance.

 

You'll probably get another nasty-gram and when you do we'll respond.

Not really much point yet as the clock is ticking ;)

Be VERY careful whose advice you listen too

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thanks curly your such a great help you all are xxxxxxxxxx psssssstttttt ive tipped the scales well that letter did say they ain't gonna correspond with me anymore and i have till the 10th august to pay up just looking at that letter again it is a really bad photo copy all faded down the left hand side

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Hi manf,

 

I am passed my 12 + 2 days still nothing in the post so just sit back and wait, i was like you at first hated getting the post in the morning but now i look forward to it just so i can see what rubbish they are sending me today

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thanks bigbear your words are very comforting im still very worried and stressed nothings ever happened to me like this before but i know eveyone on here will help me to get through this x

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Hi Manf.

Another supporter on board.

Can we just make things clear here....

 

YOU do not have to do ANYTHING these people tell you!

Do NOTHING until you receive your CCA from Ruthless (Unlikely!:D ). And all you do then is tell us what they've sent you.

 

THEY are the party who should be fulfilling a perfectly legal request from YOU; all you're asking is that they prove the debt they're claiming!

 

DON'T phone or fax them.

DON'T WORRY!

DON'T reply to any of their threatograms.

DON'T WORRY!

 

Wait till they've had their CCA time. We'll be watching.

 

;)

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Hi manf as another poster says if they thought they had a hope in hell they would not be putting any "without prejudice" on a letter they would be happy to show the court any letter to show they were trying to come to am agreement with you these are just empty threats.

 

Oh I have rang Littlewoods about my agreement and the young lady must have forgotten my warning about recording phone calls. While I have had one of the made up agreements sent to me, she admitted that they have not been able to find my "agreement" yet. Boy will they have a job my wife never signed an agreement. I would not mind taking a bet that you did not as well so lets see them produce one.

 

all the best I think it's now time for the plonk dpick:D

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Hi manf,

 

You have my support and sympathies too ... I'm being chased by a well known evil bunch of DC monkeys but they're not as bad as this lot by the sound of it.

 

The law applies equally to all of them and they're not allowed to intimidate you.

 

I'm guessing that you've been consumed with worry and lost an awful lot of sleep about this ... I did before contacting the CAG. Simple advice ... you are not a criminal and they are not allowed to intimidate you!

 

Don't lose sleep over some sweaty ****** wearing a cheap suit in a tiny office who is employed to give you grief. I've just (in veiled language) threatened a 'world of pain' to any representative that turns up to my door.

 

Ask yourself what kind of person behaves this way and how they would appear in any court. Remain decent and keep your dignity.

 

Just to put things in perspective, you have to assume that your debt will be frozen against inflation. Divide the total sum that you owe by 60 ... that's your monthly payment over a five year period to clear the debt ... as it stands you might not have to. Not so bad now huh?

 

Stick with it and don't be scared ... RECORD everything and demand everything in writing. Best advice of all is listen to the guys on here ...

 

Hope that helps and all the best,

 

D

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Oh dear Derek you are a dope. Please explain or get one of your minions to explain HTF you can get a bankruptcy order for an unproven debt. You havent even got a CCJ.

 

Manf dont worry about the try on with the Without Predjudice bit. In the circumstances I am confident a judge would allow you to admit this in court

 

Anyway you dont have to worry about Ruthlesses complaints procedure now as Del Boy has told you that is his final communication on the matter. So go straight to the FOS.

 

Thank you Derek.

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a big big thank you to you all your such a great help......... to contact the fos i know i sound naive but who are they and do i phone or ring them ? sorry im not stupid but ive never heard of em

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Manf

 

They are not following the right process to take you to court.

 

Littlewoods will not react to the Financial Ombudsman Service as they are not regulated by them until Apr 07

 

I recommend that you Phone OFT/TS & report them with this from my earlier thread

 

From thread 33

 

They are now threatening you with 'dire consequences' on the phone or in writing he has breached OFT Debt Collection Guidance on ‘unfair business practices’ July 2003 (updated December 2006) in that by leaving out or presenting information in such a way that it creates a false or misleading impression or exploits debtors' lack of knowledge.

 

Then tell the dufas that you have done it.

 

Time for some more wine

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

 

There is no freemasonry like the freemasonry of Golf

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a big big thank you to you all your such a great help......... to contact the fos i know i sound naive but who are they and do i phone or ring them ? sorry im not stupid but ive never heard of em

Manf you can now go directly to the FOS as Derek on behalf ot Rutheless has refused to discuss the matter with you and has given you HIS FINAL ANSWER. So now his employers will have to give the FOS £400 to investigate your complaint. Forget about Dopey Dereks threats he has diddly squat to go to court with. If ''his clients'':rolleyes: follow his pathetic advice then they will be as deep in the merde as he is

 

NO CCA = NO ENFORCABLE DEBT = BYE BYE RUTHLESS:-D

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Something to make you laugh

 

TELEPHONE INVESTIGATORS

SUTTON

SURREY

SM1

 

 

Salary: £30,000

 

Ruthbridge LTD

 

Permanent

TELEPHONE

INVESTIGATORS

Organised and target driven individuals

required with strong communication

skills and confident telephone manner.

Ability to work as part of a team and

own initiative essential. Experience in

telesales or similar an advantage but not essential as full training provided.

Basic + Commission OTE £30k+.

All enquires to Faheem on

020 8734 3500. E-mail CV to

Faheem@ruthbridge.co.uk

Send me jobs like this by email

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LOL

 

oh well

 

 

let us know what happens.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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