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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Some fascinating facts you never knew about me...


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  • barracad makes onions cry.
  • barracad can delete the Recycling Bin.
  • Bill Gates lives in constant fear that barracad's PC will crash.
  • Ghosts are actually caused by barracad killing people faster than Death can process them.
  • barracad can build a snowman out of rain.
  • barracad can strangle you with a cordless phone.
  • barracad can drown a fish.
  • barracad can play the violin with a piano
  • When barracad enters a room, he doesn't turn the lights on, he turns the dark off.
  • barracad once had a heart attack; his heart lost.
  • When barracad looks in a mirror the mirror shatters, because not even glass is stupid enough to get in between barracad and barracad.
  • The last digit of pi is barracad. He is the end of all things.
  • barracad does not know where you live, but he knows where you will die.
  • Bullets dodge barracad.
  • barracad's calendar goes straight from March 31st to April 2nd, no one fools barracad.
  • If you spell barracad wrong on Google it doesn't say, "Did you mean barracad?" It simply replies, "Run while you still have the chance."
  • barracad can do a wheelie on a unicycle.
  • Once a cobra bit barracad's leg. After five days of excruciating pain, the cobra died.
  • When barracad gives you the finger, he's telling you how many seconds you have left to live.
  • barracad doesn't have hair on his balls, because hair does not grow on steel.
  • barracad can kill two stones with one bird.
  • barracad was once on Wheel of Fortune and was the first to spin. The next 29 minutes of the show consisted of everyone standing around awkwardly, waiting for the wheel to stop.
  • Leading hand sanitisers claim they can kill 99.9 percent of germs. barracad can kill 100 percent of whatever he wants.
  • There is no such thing as global warming. barracad was cold, so he turned the sun up.
  • barracad can set ants on fire with a magnifying glass. At night.
  • barracad has a deep and abiding respect for human life… unless it gets in his way.
  • It takes barracad 20 seconds to watch 60 Seconds on BBC Three.
  • barracad once shot down a German fighter plane with his finger, by yelling, “Bang!”
  • In an average living room there are 1,242 objects barracad could use to kill you, including the room itself.
  • Behind every successful man, there is a woman. Behind every dead man, there is barracad.
  • barracad destroyed the periodic table, because barracad only recognises the element of surprise.
  • barracad got his drivers license at the age of 16 Seconds.
  • With the rising cost of petrol, barracad is beginning to worry about his drinking habit.
  • The square root of barracad is pain. Do not try to square barracad, the result is death.
  • When you say “no one’s perfect”, barracad takes this as a personal insult.
  • barracad is The Stig. (ok, you already knew that one!)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hell !!!, I am impressed.

 

A bit,

 

I suppose,

 

Maybe,

 

Perhaps,

 

I think,

 

Nice one Barra. Look out Jack Bauer !!! :p

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Bad day at the office barra?

 

LMAO!!!!

 

One more fascinating fact about barra:

 

HE'S A LOON!!! (allegedly)

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Ooooooh look.............. barra's got a new username - mr's lex!!! pmsl!!!

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Oi, Hedgey,

 

How hot do you want your pasty??

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Look out Jack Bauer !!!

 

Jack Bauer has nothing on me.

 

In fact, when the boogieman goes to sleep, he checks his wardrobe for barracad.

When barracad jumps into water, he doesn't get wet: the water gets barracad.

There is no Theory of Evolution, just a list of creatures barracad allows to live

barracad has two speeds: Walk and Kill

And, barracad was the 4th wiseman. He gave Jesus the gift of "Beard"

 

 

Ooooooh look.............. barra's got a new username - mr's lex!!! pmsl!!!

 

Hmmmm whatever dearest.

 

 

Who or what is Mr's Lex anyway? I don't get it? The plural of Mr Lex? Two Mr Lex's? Shouldn't that be Mr Lex's and not Mr's Lex. Or is it the Lex belonging to the Mr? :?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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:-D

 

Glad you find my thread so amusing ;-)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Just wondering, btw - who is Mr's lex - how does one make grammatical sense of that? The lex that belongs to the Mr?

 

:confused:

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Well Barra, not much i can say really.

 

 

th_notworthy.gif

[/url]

 

 

 

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Has he got a tardis:) Or is he more like Captain Jack? He seems to have everlasting!!

 

Actually, barracad died 1,000 years ago - death is just too scared to tell him.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi barra please can you be on my side

 

Your side of what?!!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Of course. In fact, on the second day God rested... then barracad took over

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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In the literature there are many concepts of god.

 

Barra is mine.

 

:rolleyes:

 

(whoops - I mean he matches my concept of god, not that I own him!)

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Barra is mine.

 

:o

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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