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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?    
  • Our picks

    • 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.

      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
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MERCERS and 2 faulty BC DNs **WON**


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Well, that's another week that's passed without disturbance by DCA cretins.

 

Optimistic haven't said a thing, 1st Crudit are still under their stone and Weightmans have yet to respond after their empty threat and 'cunningly worded' letter inviting me to disclose all kinds of info an enter into a secured agreement.

 

I wonder if Optimistic will actually do something ... if not I have to take holiday and have I expenses. Surely these are valid costs that they should pay?

 

D

 

well, at least they are leaving you alone so thats one good thing to come out of this

 

its shouldnt be long before you do hear,normally after the defence is served on the claimant,they have 28 days to inform the court if they wish to continue. may be worth a quick call to the court to find out whats happening

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Well well,

 

Today I got a letter back from Optimistic claiming that they have been instructed to proceed by Barclays and will get back to me with regard to my CPR request (well after my defence was submitted). See below in blue.

 

Time to lose badly guys ... this is clearly designed to intimidate and flies in the face of correct procedure and protocols.

 

They're also patently playing a numbers game and have no intention of placing a well constructed case in front of a judge

 

If possible, this makes me even more determined to face up to them. I take it this latest attempt at intimidation can be used as further evidence of a vexatious claim?

 

"Dear Sir,

 

We remain instructed to act on behalf of the Claimant and refer to your defence filed with the Northampton County Court.

 

Please note that we are collating the information you have specifically requested. We apologise for the delay and hope to revert back to you within fourteen days with the required documents"

Dated 11th March ... signed with a random squiggle and 'Optima Legal'

 

It all looks very automated and they haven't even figured out how to use a mail merge yet.

 

Should I leave them to it or is there a harsher & more direct approach I can take? I'm in the mood for a fight !!!

 

D

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Thanks Paul,

 

This whole thing has been bugging me. The letter is so anonymous it's unreal.

 

Perhaps that's just me and my inexperience of legal proceedings for a substantial sum of money. They seem so 'random' about this and have no focus whatsoever. In short, I was expecting an attempt at negotiation or a fight.

 

This response is pathetic and, as I see it, shows yet more

'game' and 'numbers' playing ... they can't possibly think they can win can they?

 

Does it really look like I have a bluff to call ???

 

Any bets on what happens next ? ... I'd say that they're going to try to make me an offer.

 

I think we all know the answer to that.

 

D

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lol bazzar i dont think u can.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Subscribing Awesome thread, I've just lost 3 hours reading this, Can I claim this back?

Good luck

 

 

Hi bazaar,

 

This has turned into a monster thread ... parts of my experience are now heading for closure and my life has changed enormously.

 

All I can say is that all of it reflects my thinking at the time of writing. Latterly it's turned into more of a blog and I'd like it to continue that way.

 

If nothing else I hope there's advice and encouragement for others to take these gits to task and stand up to them.

 

I still have a load to learn and a load to go through but by sharing that I hope to pay a little back to those VERY kind people who have helped me out.

 

I'm certainly not going to forget these forums after all of it is over either.

 

You make friends in some funny places :)

 

D

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delfi.

 

No need for paying me back a ty is enough as we are all here to help other ppl as well as ourselfs.

 

Glad things are working out for you tho.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Sorry GM,

 

I have to contradict you. There is every need for me to be grateful for the help and encouragement I've received here.

 

I was in a big hole and people here dropped ladders ...

 

D

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yes but you said paying ppl back.

 

I have said there is no need to pay ME back a TY is good enough for ME as we are all here to help others and ourselfs.

 

It may just be me but i am grateful when ppl say TY for your help and i have been gratefully for the help ppl have given me.

 

sorry to have caused any confusion.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 weeks later...

OK, things are starting to move.

 

I've received an Allocation Questionnaire and the whole process has now been moved to my local CC.

 

I have to have the above completed by the 21st of this month and, as ever, I'm going to need some help and be asking some dumb questions.

 

Is there anything I should know or do immediately?

 

D

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I should have added that Optimistic have not contacted me with any CPR details. The last I heard from them was on 11/03 when they suggested that they'd get back to me with the detail in 14 days.

 

Can this be added as further evidence?

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yes as it proves they are being unreasonable/un coperative

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

OK ... I'm on the final bits of filling in the AQ and I need a hand.

 

I've taken Paul's docs from the sticky and amended accordingly.

 

Now, a few Q's

 

B:Location of Trial : If I'm happy with the stated court do I say anything?

 

C: Any pre-action protocols?

 

D: Case management info - Witnesses including myself I expect ... what do i say to 'Witness to which facts?' ... 'All'?

 

- Is 'track' dependent upon level of debt alone?

 

E How long do I estimate this to last?

 

Thanks for your help in advance :-)

 

D

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you will want it in your local court.

D:

 

Yes u are witness to the fact and you need to list any other witnesses as well like your mum etc.

 

track.

 

say small claims

 

time i would leave blank as we dont know who long it will take.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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OK ... I'm on the final bits of filling in the AQ and I need a hand.

 

I've taken Paul's docs from the sticky and amended accordingly.

 

Now, a few Q's

 

B:Location of Trial : If I'm happy with the stated court do I say anything? No, if the location doesnt require changing IE its already in your local county court then tick no

 

C: Any pre-action protocols? If this is the question that is two parts and asks if you have complied with the pre action protocols then there are no preaction protocols that apply to you,especially if they have not sent you a proper letter before action

 

D: Case management info - Witnesses including myself I expect ... what do i say to 'Witness to which facts?' ... 'All'? yeah correct

- Is 'track' dependent upon level of debt alone? yeah it is so if you are over the 5k threshold and over by a large amount its doubtful that you will go small claims, more likely fast track

E How long do I estimate this to last? normally, 3-4 hours

 

Thanks for your help in advance :-)

 

D

 

HI D,

 

ive answered as best i can and i would say that , when considering the directions i would certainly ask for a copy of the credit agreement in a legible form

 

if you need any more help mate just shout

 

regards

paul

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Thanks Paul,

 

I think that's pretty much nailed it. The draft docs that you posted as a sticky perfectly represent my situation.

 

I wonder if they'll push this any further knowing that they can't produce what is required either for the default notice or the CCA having clearly broken CPR protocols.

 

D

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AQ and supporting documentation sent to the court with mono (don't see why I should waste colour toner) copies to Optimistic.

 

Both sealed with a CAG sticker of course ...

 

The reality is that this is more of my very limited spare time wasted on something that they clearly can't win.

 

Fine ... I'll just deduct my expenses from what I think I owe them and come to a total sum owed of £0.

 

Had they listened to me from day 1 they would have been paid something ... most likely more than I truly owed. Now they get absolutely NOTHING.

 

I'll be after costs too ... there's a point of principle here.

 

D

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yep good idea with the costs.

 

l also love the figure that you owe.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I just got a copy of the AQ from Optimistic. This is quite laughable ..

 

 

The covering letter is entitled 'Dear Madam'. My first name is clearly male.

 

Their witness name is 'To be announced'.

 

Overall costs estimated at a stunning £3,000 ...

 

They want a total of 17 weeks to file a 250 word case summary after a list of things that have already been provided to them.

 

Dreadful and pathetic idiots.

 

 

D

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