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    • 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
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Aqua MasterCard/1st Credit


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Well Well Well ................. what can I say!

 

I managed to get a telephone number for the postal order team at Chesterfield (01246 542091) and 1st Credit have NOT CASHED the postal order.

 

Is this some sort of 'stroke' or what?

 

Where do I go from here?:(

 

boa ........

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Get your evidence together and report them :D i can see this one being fun

 

It doesnt matter what they did with the £1 fee, merely the fact that it was there and that you can prove it is good enough, sneaky b*s*ards though :rolleyes:

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Hi Boro,

 

I was just contemplating my options with regards to that, however, as I am a novice in these matters and this will effectively be the first battle in my war against DCA's, I don't really want to screw it up!

 

Who would I report them to .. OFT and, should I or do I need to, refer back to 1st Credit and inform them of my intention to do so?

 

Is there a template available for a letter of complaint to the OFT?

 

 

 

boa ......

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Just in case anyone else has a PO problem to deal with .... this may help!

 

Extracting information from the Post Office Postal Order Team.

 

This department claims that it ONLY deals with written enquires and communications.

 

Here's a thing to get around it ........

 

I have obtained the number 01246 542091

 

When they answer, you get straight through to a team member (totally amazing in itself):D who will ask if you have received a letter and then ask for the reference number off that letter ..... the reference number that they use is the voucher ID number of the postal order.

 

Just quote this from your post office receipt and make your enquiry .... easy peasy!!

 

boa ....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Dear Boa

 

I have just joined this forum today and it is so helpful, especially your dealings with 1st Credit. My husband and I ran into financial difficulties about a year and a half ago and we used Payplan to help us and they have been brilliant up to a point. One of my husbands debts is with Credit Financial and they sold it onto 1st Credit. Unforutnately for us it is a substantial debt (just under £20k for this one,although our overall debt if much bigger) and they have been the most aggressive DCA that we have had to deal with so far. They have used every threatening trick in the book to get us to pay up and in their last letter they were actually threatening us with bankruptcy proceedings, which is funny because at this point it looks like the best option for us!

 

I just wanted to let you know that you are not the only one trying to be bullied by these people and having read your story so far it gives me great comfort. I am also having huge problems with the Halifax and having read the postings from others about the Halifax I can see that it is worth fighting back and not aloowing these people to take over our lives. For the first time in ages I now feel more in control and it is great to have found a community of people who are in the same position.

 

Good luck to you and to everyone else in their fight against the bullies!!

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Hello tabitha08,

 

Welcome ... I am a new member as well having only joined last December, I have had excellent sound advice and help from other members and it has help me regain the will to fight on.

 

Hope all goes well for you and your other half ...

 

boa. ....:D

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi again boa,

 

How you doing matey?

 

Have you STOPPED payments to these empty heads yet? If you haven`t then STOP.

 

As long as you have proof of postage for your CCA request and also a receipt for your Postal Order then you have nothing to fear.

 

In short, you made a Legal request, they received and are playing sill buggers. So STOP paying them, it`s your right. If they want money from you then they MUST come forward with a valid CCA. It seems these knob jockeys are trying to fill you with any old crap to get you to pay.

 

I wouldn`t even entertain them, your CCA request still stands. They say they are dissapointed that your not paying, well so what! Don`t paying them anything else and really miff them off, they can`t do anything with a CCA.

 

Remember, NO CCA = UN-ENFORCABLE DEBT.

 

Catch you later.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi N.P

 

I'm okay thanks, soldiering on in the best way I can.:D

 

With respect to 1st Credit and the letter I received from them (see #22) I knocked a reply together yesterday but as yet haven't sent it, perhaps you (or anybody) would be kind enough to cast an eye over it and make comment before I get a copy in the post later today ......

 

1st Credit Limited

The Omnibus Building

 

Lesbourne Road

Reigate

Surrey

RH2 7JP

 

 

26th February 08

 

For the attention of [EDIT]

 

 

Dear Sir,

 

Ref: 11111111

 

Re: Aqua MasterCard Account No: 111111111111111111

CCA Request 28/12/2007

 

 

Thank you for your communication dated 25th February 2008 referring to the above account - your comments have been noted, particularly your attempt at sarcasm in the final paragraph.

 

The measure of your disappointment at my choice not to make any further payments on this account cannot equal my feelings of intense anger and frustration at your decision to prevaricate and ‘play games’ with me in respect of this matter.

 

Let me reaffirm and clarify your legal position on this situation:

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enters into a default situation. If the request is not satisfied after a further 30 calendar days, your company commits an offence.

 

These time limits expired on 12th January 2008 and 11th February 2008 respectively.

 

As you are no doubt aware, Section 78(6) states:

 

If the creditor under an agreement fails to comply with subsection (1) -

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore on 11th February 2008 this account became unenforceable at law and no further payment will be made by myself to the account as you have failed to comply with a bona-fide request for a true signed copy of the said agreement, under the relevant sections of the Consumer Credit Act 1974.

 

Finally, should you continue with this erroneous ‘fee not received argument’ as a valid reason for your failure to carry out your obligation under my recent request, I will view it as a deliberate act of fraudulence on your part and I will respond with the appropriate measures.

 

The £1 for information pursuant to the Consumers Credit Act was made and, has been received by 1st Credit - as such your comments and observations in your letter are inappropriate and subsequently do not apply.

 

 

 

Yours truly,

 

 

Xxxxxxxxxxxx

 

 

 

xxxxxxxxxxx

xxxxxxxxxxxx

xxxxxxxxxxxx

xxxxxxxxxxxx

 

 

 

 

 

 

 

 

I just needed to respond in some way to the smug txxt that wrote from 1st credit.;)

 

boa .....

Edited by alanfromderby

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi boa,

 

Yep, you could send them that. At least you are trying to get through to them, so they can`t just say you are ignoring them.

 

You say you will respond with the appropriate measures, to be honest putting something like that is pointless unless your going to see it through.

 

You could tell them they have 48 hours to comply otherwise they`ll be on the receiving end of a Cruise Missile or an ICBM. Failing that you could buy an Uzi off eBay and go down and spray it around a bit, LOL.

 

Keep it up matey.

 

Just remember, without a CCA they can waffle on as much as they like. Put simply, they are peeing into the wind. You could quote that to them.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi again Boa,

 

Just another thought, you could whack a Court claim in to these incompetant imbeciles for a breach of the DPA. That might wake them up a bit, they`d probably crap too.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Get your evidence together and report them :D i can see this one being fun

 

It doesnt matter what they did with the £1 fee, merely the fact that it was there and that you can prove it is good enough, sneaky b*s*ards though :rolleyes:

 

If I was to go ahead and report them as you suggest, who would I report them too? ......... and is there a standard letter of complaint available?

 

I apologise for my thickness!

 

boa ....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Back again :D

 

Okay, I have had a reply to my letter (#33 of this thread) ...

 

000_0664.jpg

 

 

What puzzles me is, if they placed the quoted narrative on my account at the time my CCA request was received ... why did they not mention it to me in their confirmation letter of 3rd January (#1 of this thread).

 

Then there are the letters that I received (#8 of this thread) on or around the 11th January :confused: .... why? My CCA request made no mention of 'copy invoices' or 'assignment notices'.

 

Then, I received a bundle of copy invoices with a compliments slip ...... this is yet another puzzle, why send them when I didn't send a S.A.R request, also, they bleat on about the £10 charge required before they can supply 'copy invoices' ..... I did not pay £10, why would I, I didn't ask for the copies in the first place.

 

Any advice on what my next move should be ..... I really want to write to them and say 'see you in court' ...

 

boa...

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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OK....I would complain to the FOS, you can prove that you sent the Postal Order, you have eveything in writing, I get the feeling they are deliberately trying to confuse you. Send your case to the FOS and let them charge 1st Credit £400 to investigate your case....

 

And if they chase you, write down every time they call you and the date, and every letter they send you....as the account is firmly in dispute, with no CCA sent by them (they are in default of your request already)....

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Its either a case of accidental loss (ie when they opened your request the postal order fell out and wasnt seen) or they are being realy sneaky and hoping that in not cashing the postal order they can claim non receipt and expect you to prove otherwise, i would still say the request stands, you have the proof that you bought the postal order and that you sent it, i do not believe you should have to prove that it was there, what if you sent them a quid again (to cover all bases) and then found they had bluffed you along for extra time and came up the an agreement as im sure they will start the clock again from the date of receipt of the £1 fee :rolleyes:

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42man, boro,

 

Thanks for that, I will 100% get a letter of complaint off to the FOS this weekend ... I know you said keep it simple, but is there a template available for this type of letter?

 

i do not believe you should have to prove that it was there, what if you sent them a quid again (to cover all bases) and then found they had bluffed you along for extra time and came up the an agreement as im sure they will start the clock again from the date of receipt of the £1 fee :rolleyes:

 

I thought that myself!

 

boa..

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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HI boa,

 

Write and tell these duck eggs you are quite happy to let a Judge decide wether or not they are in breach of your CCA request, and if not, tell them to sod off!

 

Remember, if you have proof of postage, the Judge will deem it received 2 days later. As, you HAVE proof of postage and also the receipt from your Postal Order, I don`t think you could lose. I can`t honestly see how they can lose a Postal Order from an envelope which also had in a letter they received. And would anyone want to open it before it reach them and swipe a £1 Postal Order? I don`t think so.

 

Call their bluff, and tell them they`re getting bot all.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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  • 2 months later...
HI boa,

 

Write and tell these duck eggs you are quite happy to let a Judge decide wether or not they are in breach of your CCA request, and if not, tell them to sod off!

 

Remember, if you have proof of postage, the Judge will deem it received 2 days later. As, you HAVE proof of postage and also the receipt from your Postal Order, I don`t think you could lose. I can`t honestly see how they can lose a Postal Order from an envelope which also had in a letter they received. And would anyone want to open it before it reach them and swipe a £1 Postal Order? I don`t think so.

 

Call their bluff, and tell them they`re getting bot all.

 

Regards

 

 

N.P

 

Okay... it's been just over two months since I last wrote to 1st Credit saying that I was quite happy for a judge to decide whether or not they have breached my CCA request and in that time I have not heard a whisper from them .....

 

Should I let sleeping dogs lie or should I stir them up with regard to defaulting on my request .... incidently, I was paying nominal monthly amounts to 1st credit but I ceased making these payments after advising them I would do so.

 

Boa....

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi boa,

 

It`s up to you what you want to do next.

 

Perhaps you have answered your own question? Should you let sleeping dogs lie?

 

If your not paying them anything and they`re not hounding you then leave it at that and enjoy the break from their harrassment.

 

It could be they are looking for the CCA. Without it they know they are wasting their time.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi N.P,

 

Yeh I have decided to leave it be for the time being as I have got another case on the go with Barclays .... that should give me a bit of fun for a few weeks ......

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/144523-barclays-appointed-dca-i.html

 

Regards .... Boa ...

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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