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  1. Thanks @Andyorch. The order was made by a court officer; shall I write to the court to say that the property is jointly owned and that I have started making payments to the CCJ? Would it be a good idea to contact IDR and increase my monthly offer? Or wait until the final charging order is granted and ask the court for an installment plan? I can borrow money, and repay, from family.
  2. The house is bought outright and the deeds are in my name; my partner owns half the house as we have been together for over 20 years and have been civil partners for 15 years. We jointly paid the mortgage.
  3. Hi dx100uk The land registry is in my name, but the property is jointly owned with my civil partner.
  4. Hi all. Urgent advice needed. I have had an interim charging order made against my property; I started making a monthly payment to the debt on 01.09.21 of £190 What are my options to prevent a final charging order? I can up my monthly payments. I can possibly borrow the money from family and then pay them back. Any other possibilities? Thanks for any help as I am now panicking that I might have to sell my home!
  5. It was the non-exclusive jurisdiction clause in the agreement that was the main downfall and the judge said the expert report was applicable too!
  6. Hi Andyorch, yes I submitted my witness statement with lots that I borrowed from other posts on here. The main reason that the judge said that she had to try it here was the jurisdiction clause in the terms and conditions. She also said because I had signed the application form and used the credit card that I did owe the money. What is my best option to pay as little as I can over a very long time?
  7. Today I got a summary judgement made against me; the judge advised me not to appeal, as this would vastly increase my costs! I have some savings, but I want to keep these for as long as I can. What are my options?
  8. Thanks Andyorch. I did read the link that you posted, but I will read and digest again! My hearing is not until 5th August, so I have a few weeks to sort out my witness statement.
  9. Good morning all. If I want to add to my defence to reply to the claimant's N224 do I need to submit a N224? If yes, what do I tick on question 10? Thanks for any help!
  10. Hi dx100uk should the claimant have tried to mediate after they submitted the claim form?
  11. dx100uk From the IDRWW website: To work quickly, efficiently and effectively to recover the debt from a UK resident who has defaulted on a foreign credit agreement. Working on a no win, no fee basis, we will act with unrivalled integrity and professionalism to ensure that our client’s interests are secured at no risk to either their reputation or finances.
  12. dx100uk yes they have sent a N244 form asking for my defence to be struck off and that the Claimant be granted summary judgement NWNF?
  13. Name of the Claimant ? The National Bank of Ras Al Khaimah (Psc) Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. I cannot find a claim form, but I think this is 25/04/21; I think I shredded it Particulars of Claim What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. I do not have this, as I shredded the claim form. What is the total value of the claim? Originally £28343 now rising to £36231 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Unknown Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N.A. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes When did you enter into the original agreement before or after April 2007 ? No Do you recall how you entered into the agreement...On line /In branch/By post ? Phone canvassing and then visit from representative Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. On behalf of the Claimant through a no win, no free credit recovery firm based in the UK (IDRWW) Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? I left the UAE for personal reasons and I could not make payments from the UK What was the date of your last payment? January 2015 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
  14. Thanks for the reply dx100uk I have received an Application notice and a letter from the County Court to tell me that there will be a telephone hearing on 05.08.21 I did not give a witness statement, but I received their "expert witness" report from someone who proports to know about UAE laws. My defence was: This credit card debt was accrued in the United Arab Emirates and is therefore not covered by UK, or EU, financial services or markets acts. In August 2013, I went to work in the United Arab Emirates as a mathematics teacher. I never held a bank account with RAK Bank at any time. One of my colleagues asked me to provide RAK Bank with my contact details, as he was applying for a credit card; this I did. After this, the bank regularly kept ringing me and sendinging text messages offering me a credit card. I refused their offer on numerous occasions, but eventually I succumbed to their pressure. A representative from the bank came to my apartment to fill in the paperwork; I never went to the bank to ask for the credit card, or to fill in any paperwork. A few days later the credit card was delivered to my apartment by a courier. In the UAE, people are actively encouraged to get into debt by representatives of banks in order to claim commision. Even in the UAE, paying the credit card balance was very difficult; the only ways to pay the balance was either to visit a branch and pay cash, or to physically pay cash into a RAK Bank cash machine. The balance could not be paid online, or by by direct debit. It is impossible to pay the credit card balance from the UK. The claim contains an exorbitant amount of interest. Any help would be gratefully appreciated.
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