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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Dubai debt issues


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I don't know your history layer cake, can't find it on this thread but did you buy a property in Dubai by way of mortgage and then leave and default? And so the morgage provider have now placed a charging order on your UK owned property?

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  • 2 weeks later...

I am a UK property owner who also lost my job in Dubai in 2007.

 

The sad news is despite this being UAE international debt Coyle White Devine has filed a second charge again my title register although it doesn't tell me how much it is...

 

Any advice on how to deal with this please?

 

I have living in Europe for over two years and never saw any letters plus I think the process was automated through Northampton CC due to no response.

 

The debt is from Dubai EmiratesNBD from 2007.

 

The Interim charge is from November 2013 on my deeds.

I can PM the copy if you like. I only just noticed it.

 

I have not received any post because I have been in Europe for 2 years so was a shock.

I think the UK solicitor acting on behalf of the UAE banks.

 

I was advised on getting it set aside but I need more advice on what defence? Juristiction or non-receipt, knowledge of any debt.

 

CWD letter potential to complain to FCA?

 

**Companies need to consider any third parties which they outsource credit related activities to. – Do these third parties have the requisite permissions in place? Are they acting in accordance with the FCA’s expectations and requirements? How do companies satisfy themselves regarding this?

 

YOUR NAME AND ADDRESS.**

 

FAO Ray Watson

 

Dear Sir

 

I wish to make a formal complaint about a company called xxxxxxxxxxxx (CWD etc) I have recently received a statutory demand which I intend to set aside due to a major dispute / which I have set aside in my local court, and despite (no response from xxxxxxx / them not appearing in court) / to which I have not responded, and it is clear to see that as the time has run out to present a bankruptcy petition / It should be mentioned that at no time have they attempted any kind of personal service which I believe is an integral part of the Insolvency procedures. I feel they have used the demand as a debt collection tool.

 

I understand that another debt collection agency were given 'requirements' by the Office Of Fair Trading back in 2009. In your requirements imposition you clearly stated to 1st Credit that.

 

refrain from issuing statutory demands warning of bankruptcy where it is unlikely that proceedings will be initiated

 

Can you please clarify to me if I am correct in stating that all debt collection agencies compliance departments should comply with this ?

 

I realise that you will not be able to get involved in individual cases, but I would like to bring this to your attention.

 

Yours sincerely

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I will try and find someone who can help :)

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Thread moved to Financial Legal Issues.

 

Regards

 

Andy

We could do with some help from you.

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Hi there, you were previously advised that you needed to obtain a copy of the CCJ documents (http://www.consumeractiongroup.co.uk/forum/showthread.php?404616-Dubai-Debt-Recovery-by-UK-Solicitor&p=4515802).

 

Did you ever contact the court or the claimant's solicitors in order to try and get a copy of those documents? It will be extremely difficult to do anything if you don't have basic details like that case number, the date and the amount. You will also want to know what the claimant wrote on their Particulars of Claim.

 

Your draft letter refers to a statutory demand. Have you received a statutory demand?

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Steampowered. I will do this when I can get back to the UK.

Thank you as you said before. :-)

Separately can I complain to the FCA? :-)

 

CitizenB?

 

Steampowered. I just read this.

 

Once a statutory demand has been served, a bankruptcy petition must be presented within 4 months, failing which, the demand will expire and the creditor will need to serve a fresh statutory demand on the debtor and start the process again.

 

I am pretty sure my SD was issued in November 2013 so must be expired by now....and I guess for now.

 

Is the SD automatically removed as well as my 2nd charge on my house?

 

Does anyone know the process on this please?

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According to the governments insolvency service SD's do not expire.

We could do with some help from you.

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This is from a solicitors...

Once a statutory demand has been served, a bankruptcy petition must be presented within 4 months, failing which, the demand will expire and the creditor will need to serve a fresh statutory demand on the debtor and start the process again.

 

Also this sep solicitor...

A Statutory Demand has a pretty short shelf-life too. If a Bankruptcy Petition is not issued within 4 months of service, the Statutory Demand expires.

 

That said, if a Debtor simply refuses to pay a debt which is undisputedly due, Statutory Demands work.

 

The mere threat of personal insolvency still strikes fear into the heart of most people.

Many professionals, such as solicitors and accountants, can not practise their careers if they are bankrupt.

 

In cash strapped times, when he who shouts loudest gets paid first, service of a Statutory Demand is high up the decibel level of debt recovery.

 

If you need to strong arm money you are owed out of a Debtor, and you know they can find the cash, Statutory Demands should be your first weapon of choice.

 

And...Another law firm...

 

I have a slight amendment to make - a statutory demand served on a company does not expire. The time limit for serving a Demand on an individual is 4 months from date of service. I misread that part of your question for which I apologise.

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The Statutory Demand has nothing really to do with the charging order, which I assume exists.

 

The purpose of a statutory demand is to allow the presentation of a bankruptcy petition if the demand is not satisfied. I assume the SD was issued following the CCJ (but that assumption is not necessarily true).

 

The charging order would be a function of the CCJ, not a function of the statutory demand.

 

I'm a little bit mystified why you received an SD but did not receive any of the CCJ documents.

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CCJs are available for international debts. They would need to have a CCJ first in order to get a charging order (assuming that what you are dealing with is in fact a charging order).

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  • 3 weeks later...
  • 3 weeks later...
  • 4 months later...

I'm being threatened with a possession order on my property in a letter dated 17/10/2014.

 

So I'm kinda screwed.

 

I've left a message on Peter's VM today asking for options.....

 

1/ £500 per month until £30,000 paid.

 

2/ £Sell the house and pay ASAP after sale.

 

Any idea on negotiations please when it comes to CWD?

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The 2 charging orders went on automatically around 12 months and 1 month ago.

 

I've emailed CWD saying I've been away abroad and not seen them.

 

If they push for a sale order surely UK unsecured debt comes before UAE debt? Right or wrong?

 

Therefor a order of sale would get them a few grand......

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