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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. Anyway 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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    • 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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Cheekiness towards a DCA


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I posted this on a different thread but i thought it would be better here.

 

I was having a chat with one of the ppl on here last night and this is what we decided was a good idea.

 

1) Invoice each company £15 for opening reading and replying to there letters. Tell them they can take it off the bill or send a cheque direct to us.

2) Charge them a extra £5 each time we have to reply. So second letter will cost £20.

3) Charge them for each duplicate letter they need to be sent. £5 for first on then £4.99 for each one there after but this is only if the letter is one page long cause if it is more then the first one is charged at the £5/£4.99 but each addition page per letter is charged at £2.50 per page. A 3 page first letter costs £5 fir first sheet the £5 for both addition sheet totaling £10.

4) for every phone call we recieve we charge them £10 for the first 5 minute then £2.50 for each addition minute or part of. So a phone call lasting 20 minutes would cost them £47.50.

 

Remind them that all charges can come off the account.

 

Also remind them that if you have to do any type of legal reasurch, sitting on CAG, then this will cost them £50.00 for the first 30 minute then £25.00 for each additional 30 minutes after that.

 

This can also come off the bill.

 

also you must remind them that if the bill is not settled then you will take further steps to get your money back.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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May be an idea to start a thread on the subject of billing DCA's. How much power would we have legally to bill them say £12 per letter sent to cover stamps/envelopes/paper/ink and time spent researching consumer law on here at say £10 per hour?

 

I billed Moorcroft for over £1000 :D

 

Is there any way I can actually make them pay up?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Don't forget to put the immortal words "Valid even if not read by you".

 

I don't speak German but a good word in Japanese is "konnan" which means 'financial difficulties.....' Just repeat that over and over and they will put the phone down.

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May be an idea to start a thread on the subject of billing DCA's. How much power would we have legally to bill them say £12 per letter sent to cover stamps/envelopes/paper/ink and time spent researching consumer law on here at say £10 per hour?

 

I billed Moorcroft for over £1000 :D

 

Is there any way I can actually make them pay up?

I relly would love to know the legalities of this one. I would dearly love to wing off some bills to my friends in Reigate and West Mailing:lol:

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And if they don't pay, get a DCA onto them.

If we all did this the DCA's would be so busy chasing each other for payment, that they wouldn't have time to hassle us. lol

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I sent off my bill to CFS today for over £300. If nothing else it will waste their time.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Try these

 

Dutch ~ Ik ga niet u betalen.

 

French ~ Je ne vais pas vous payer

 

German ~ Ich werde nicht Sie zahlen

 

Italy ~ Non sto andando pagarlo

 

Spanish ~ No voy a pagarle

 

They mean "I am not going to pay you."

 

Just repeat these over and over again until they put the phone down.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Try these

 

Dutch ~ Ik ga niet u betalen.

 

French ~ Je ne vais pas vous payer

 

German ~ Ich werde nicht Sie zahlen

 

Italy ~ Non sto andando pagarlo

 

Spanish ~ No voy a pagarle

 

They mean "I am not going to pay you."

 

Just repeat these over and over again until they put the phone down.

 

I prefer the English: "f**k off!"

 

Fred

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Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It would be useful to me too.

Can you post it here when you find it?

 

Not that I want to sign him up for that spam your mates website or anything.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Would that be Barbie's boyfriend? Ken:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Well, apart from wishing to email him death doom and destruction, I thought of recommending lessons in remedial reading and writing for his staff

 

ohh and an understanding of basic law!

 

As written for idiots

 

and the illiterate

or is that illegitimate?

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I have been 39 for 8 years:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I have been 39 for 8 years:D

 

Sounds like a good idea to me LG :lol:

 

Ermm...Actually, I reached to big 40 a few months back :p

 

And 'the news' is coming to a CAG site near you shortly :D

 

Hey, Happy 40th hun :)

 

Oooooo, the suspense is killing me................ ;)

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