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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
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foaf26907 vs CL Finance


foaf26907
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Help :sad:

I have outstanding debt with CL Finance via a Debenhams Card I had which I fell behind on when I was made redundant about 4 years ago.

They went to court and I agreed a repayment plan with them but unfortuantely couldn't keep up with the repayments and fell behind they have gone back to court and I have to now file an N55/N56 attachmenet of earnings. I intend to file and ask for a suspended order so that I can try and get the judgement overturned(?) on the basis that I didn't have a CCA with them (?)

I will be sending the N56 to court tomorrow but want to find out if it is at all possible to get the CCJ overturned when I didn't do anything when they first started preceedings.

I have seen a thread v CL Finance for which I am kicking myslef for not bothering to check CAG in the first place but now I am sending a S.A.R - (Subject Access Request) to CL Finance I've got 2 other debts they are managing as well. I haven't defaulted with these yet but what can be done once they have gone to court and court found in thier favour and have ordered me to pay.

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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hello Can some one please give me some advice here :-(

I have posted this is debt collection but this seems to fit in more with the general debt .......

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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Did you acknowledge the claim form or was it a judgement by default? If you have been to court and agreed a repayment there will be little you can do to overturn that decision - i am no expert but if you have already admitted it in court what grounds can you get it overturned?

 

Good luck with them :)

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Hi there,

 

I will be totally honest and say that without carrying out some research on this i cant say what youre chances are of getting the CCJ overturned.

 

normally people would challenge this type of action before it gets to teh attachment of earnings.

 

CCJs are quite difficult to have set aside and you would need to have a stronger arguement than you want it overturned because you didnt challenge it

 

 

i will have a look into this and see what i can come up with but my gut feeling is you may have left it too late

 

regards

paul

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Hello thank you for responding. the judgement was made by default I did not acknowledge the claim form. If I have to continue payments I will but I want to avoid an attachment of earnings.

I would like to know as I have 2 debts with them which I am paying. I have sent them a SAR for the debts with them. But as I am already paying them is it too late to query the other 2 debts

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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This case went to court I did not attend and then I had to agree a repaymet with them.

The other 2 were the same they have been to court and judgement was found for them so court ordered me to pay.

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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is there anyone who can offer me some help

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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hi there,

 

why didnt you defend the claim or acknowledge the claim? as i said , the court will not overturn a judgment based merely on the fact that you didnt defend the claim.you need a truly valid reason before a judge will consider overturning a judgment

 

have a look at this website,Removal of CCJ's - Main Menu

 

it may help

 

Regards

paul

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Thanbks very helpful. so is there no point querying/requesting for DCA now? even for the other two accounts ? am I just going to have to keep paying

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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I have just got my credit file online from Experian and it is only this 1 account from CL finance which is showing as defaulted.

None of the others are there. What does this mean. I know some of the debts are old ones which I have been paying since 2005 when I was made redundant but how come they are no longer showing on my credit file? Also another debt from 1st credit which I have a repayment plan can I ask them for the DCA?

Thanks

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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well certainly do not go chasing for answers as to why the defaults are not showing:D I am a little confused by this thread, PT is right you cannot set aside the judgment as you have agreed and paid toward it, your best bet is to bring it up to date as quickly as possible

 

Good luck

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