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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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idrww UAE letter phishing for info


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same thing - idrww letter phishing for info arrived this morning.

 

i skipped dubai in may 2011 after i got canned by employer (stitched up due to health probs)

 

1. its statute barred so i dont know what they hope to gain.

2. they cant extradite me

3. cant pay/wont pay cos i cant work anymore and am registered disabled for the last 6+ yr now

 

i did this dance with these idiots 4 yrs ago with a diff DCA - they sent me an incomes and expenditure form after whivh i offered them the princely sum of £1 per month LOL

 

obviously some new idiot in the UAE office is trying again

 

ok - will tell them stat barred and eff off

 

idiots

 

the day i set foot in that vile country again will be when people are having snowball fights in hell so no worries

 

btw - it's a car loan and CCard

 

- - - Updated - - -

 

i made SB letter just now in case i need it, but will just ignore for now

 

fyi - when the other DCA contacted me 4 yrs ago they never took me up on the payment or replied - so i never paid anything

Edited by dx100uk
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if that's the case then np

 

will do the income form etc and give em £1 a month or something

 

was a diff company acting on behalf 4 yrs ago tho - so not sure if this one knows its not SB

 

UAE banks are notoriously bad re communicating with people and partners so lets see

 

either way its cool

 

i never paid anything tho - i just sent back the form and the guy wrote a letter saying he didnt think it worth pursuing

 

all i did was send the income form and the uk brief wrote back saying he would leave it for 3 years or so

 

maybe they are trying again to see if anything has changed re circumstances?

 

dont know, but if so they will be disappointed because circumstances are the same

Edited by dx100uk
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pers id leave it.

 

they are aware of your correct address I gather

let them phish but don't ignore a PAP letter of claim if one comes

I doubt they'll have any record of that 'letter' either

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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will do mate

 

what they sent me to phish just had the RAKBANK ID and no further info apart that they were acting 'on behalf' nothing more; there was no claim or anything else

 

will just leave it

 

worst case scenario is £1 a month or so since nothing has changed so np

 

thanks!

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It is unlikey they have any locus in the matter so cant do anything other than send you scary letters.

Just dont do anything is the best option, not even respod to letters like this.

If they try their luck at court they will have some pretty high hurdles to clear to get as far as a judgement.

 

As a general point most people trip themselves up by trying to resolve the problem when it isnt actually a problem.

i could send you a letter saying you owe me £3 million quid and make all sorts of threats of what will happen if you dont pay.

 

If you offer me a fiver to go away that effectively means you admit the debt is real and i am halfway there to screwing you for a lot more.

say nothing and without any proof I cant progress any claim.

 

Reading things so you understand every word is vital as they are often written in such a manner so to make you think they mean something they dont actually say

Edited by dx100uk
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yeah - true; thanks for that

 

I mean even when the other guy from the other firm wrote to me years ago i didnt admit anything or offer them anything; i just filled out his form and he said he wasnt bothering

 

even if they were to push it they cant get blood out of a stone or an admission and they cant send me to the UAE

 

so, sod em, they will be ignored

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Don't worry about them Nagus they are only interested if they think you have assets they can take from you.

 

I told them I don't have any assets ( mortgage with negative equity)' but they've written to me to say they know I have 50 per cent in a property

They think they're on to a winner!

But no money there.

They may tell you they are solicitors but they are just a dca.

 

Ignore them.

dont ever correspond with them.

Edited by dx100uk
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:-):-):whoo:

 

my employer was engaged in stealing network kit from a govt warehouse that was allocated to a project i was running.

He was using it to complete projects for his own business he was running on the side with some of his friends

 

when it came out, he fired me (using my health issues as a cover) then he tried to stitch me up for it.

 

with no work and expiring visa i ran before the passport block went in on the monday morning - was tipped off by a friend.

 

boss was a lebanese guy - him and 4 other leb managers were in on it.

 

nasty people, and altho i am now poor and career is over due to illness am glad i left, even tho i lost pretty much everything.

 

Nasty place - VERY corrupt.

 

tbh i think i dodged a bullet, it's good to be free.:-)

 

- - - Updated - - -

 

suffice to say i have ZERO desire to ever visit/transit a GCC country again - ever.

Edited by dx100uk
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  • 1 month later...

they are still phishing

 

now they have mentioned who its owed to - RAKBANK - and the amount.

 

but its still same old, same old 'write to us, contact us, you have 7 days...blah, blah, blah'

 

have had a letter in jan and another last week.

 

'you could go to court - blah, blah - contact us and fill in an income and expenditures form'.

 

dont think this is a PAP - looks like its same as others.

 

ignoring as per recommendation.

 

oh - and they mentioned payment is to them?

 

in yr dreams

 

copy of most recent one fyi

idrww_febpdf.pdf

Edited by dx100uk
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some other mugs will fall for it and panic.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

got another one today - escalation; sounds lots more threatening

 

however there is NO amount on it - this debt is nearly 8 yrs ago btw and i havent acknowledged anything to them or even contacted/responded.

 

bluff/escalation?

 

any advice would be good - but gonna keep ignoring I think

 

thanks

 

Nagus

idrww feb2.pdf

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left your name on it again.hidden

 

may but if.

 

not will anywhere

 

std threats any powerless dca uses.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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did the bank get a judgement againt you in the UAE? if not then they cnat apply for an order in a UK court. If they did then they have a hell of a lot of hoops to jump through and are still likely to fail as there is no bilateral agreemetn and they ahve to ask the Eu nicely to be allowed to play and the EU currently says no.

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