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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.
      • 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

Welcome Finance - This company needs to be banned.


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Well today I finally receive a response from the FOS regarding WFS adding interest onto the Acceptance Fee.

 

Rather than clear things up, they've simply avoided the complaint and based their findings on my moral obligations to repay. :-x I am appealing the decision and have pointed out that if their response was like that each time a person complained, there would be a lot of corrupt businesses taking advantage of consumers, something Cattles does extremely well already.:lol:

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as im sure you will all see im gloating at the misery facing welcome finance with very good reasons, il tell you all why so you will all know what a low life bunch of ( i cant say that lol) well a few years ago my poor dad passed away after a long battle with cancer, the previous month i missed my car payment due to the fact that my appendix had burst and i nearly died so hubby had to have a few weeks off work to help me with kiddies, anyway the day before my dads funeral welcome finance calls me, this is how the call went.

WF. WHY HAVNT YOU PAID FOR CAR

 

ME. IM SO SORRY MY DAD JUST DIED, IV BEEN IN HOSPITAL, MY HUSBAND HAS CALLED TO EXPLAIN THAT WE WILL MAKE UP THE PAYMENT.

 

WF. WE NEED PAYMENT TODAY

 

ME. WE HAVNT GOT IT RIGHT NOW PLEASE CAN YOU WAIT A WEEK, ITS MY DADS FUNERAL TOMORROW I CANT DEAL WITH ANYTHING AT THE MOMENT.

 

WF. WELL IF YOU CANT PAY TODAY SOMEONE WILL COME AND COLLECT THE CAR TONIGHT.

 

ME. I NEED THE CAR TO GO TO MY DADS FUNERAL PLEASE CAN YOU CALL ME IN A FEW DAYS.

 

WF. WELL CAN SOMEONE ELSE PAY IT FOR YOU NOW ON THEIR CREDIT CARD.

 

ME.......unable to speak for crying

 

HUSBAND TAKES PHONE TELLS THEM TO GET STUFFED.

 

Following week made up missed payment but got charged for door visit that never occurred, 2 phone calls and returned direct debit fee totalling £96.00. just one of many reasons why i hate them. xxxxxxxxxxxx

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Well today I finally receive a response from the FOS regarding WFS adding interest onto the Acceptance Fee.

 

Rather than clear things up, they've simply avoided the complaint and based their findings on my moral obligations to repay. :-x I am appealing the decision and have pointed out that if their response was like that each time a person complained, there would be a lot of corrupt businesses taking advantage of consumers, something Cattles does extremely well already.:lol:

 

Hi Sol,

You arequite correct to appeal the decision. My own experience is not to the FOS is all knowledgeable. Indeed I have turned down two offers already. The first offer was £140 and now it currently stands close to £800. However they didn't include any compensation for the amount of hassle of letters and phone calls I had to make. So who knows I may not accept their 3rd offer.

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Hi there B-O-2. I will post it soon, for one thing I need confirmation about what I believe are certain, shall we say, irregularities in the agreement. ;)

My problem is that I feel that what has happened with her situation (re-written secured loan) is fairly unique and would be readily identifiable by the prying eyes.

 

Hi again...quite understand your predicament...same thing here too, i used photobucket, and pm'd the link to a couple of well know welcome caggers for advice...hence why i havent posted up the photobucket link yet!!;)

 

b-o-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

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

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Just phoned my Lady at the LMB...I wasnt able to speak to her as she was having a 1-2-1......is she being told bye bye??????????:D

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

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

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Hi Sol,

You arequite correct to appeal the decision. My own experience is not to the FOS is all knowledgeable. Indeed I have turned down two offers already. The first offer was £140 and now it currently stands close to £800. However they didn't include any compensation for the amount of hassle of letters and phone calls I had to make. So who knows I may not accept their 3rd offer.

 

I intend to take this further! The adjudicator even referred to WFS as a bank, since when? :confused:

 

I've sent a quick email to let him know I am not happy with the report, considering it's been 6 months since I initially made the complaint, and that I would like them to look at the issue I complained about and not for a lecture about repaying WFS.

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OH just given Welcome some grief on the phone both phones ringing at same time, infact 6 times in ten mins have they nothing better to do, all i want from them is to say when they are coming to pick the car up, is it too little to ask.................

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just pulled this off lse:D

 

I worked for Welcome briefly and I have to say it is the poorest company I have ever worked for. The quality of the management through to the staff in the local branches was incredible, the majority are no more qualified to deal with peoples finances than a shelf stacker in Tesco (no disrespect). The share price was always false and inflated by poor / fraudulent accounting and misguided staff taking share options. I left of my own accord and am not bitter but it was a real eye opener. The Managers in my branch lent money irresponsibly, some of the foreign applicants couldn't even read english they joked, they always achieved their monthly lending target, took their monthly bonus but unlike others didn't buy shares........ How wise they look now or did they always know....

 

This is a lesson to any who buys stocks & shares......... I for one will not be buying Shares now or Ever. The company will continue collecting until the Consortium of Banks get back as much as they can hope to and then wind it up. Good luck to those involved, you bought in good faith and it's not your fault.

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Iain, you are right we should be near the end of our agreement but when my husband when into the local branch a year after getting the car and asked for them to take the mecahnical break down etc off they reduced his monthly payments and streched it out to 84 months. I didnt know this untill i looked at the contract this week. Plus the car was written off in an accident a year ago, we have continued to pay the monthly payments.

Before they rang we were in writing them a letter to ask how much we actually owe.

They rang a second time at 5pm. Its the branch in colchester that keeps ringing, we have moved since.

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