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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.

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Cheekiness towards a DCA


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HeHe, thanks Hoose,;-)

 

Quite allright EEB. got lots of em :grin:

 

Hoose, he say, man who stand on toilet, high on pot

Don't Quote me on that :lol:

 

I am now a rep hunter :lol:

Have I helped, educated, impressed?

Click my scales

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That was the first thing I did when I found out BB x

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Get in, by annoying the heck out of CFS and repeatedly sending them invoices for having to deal with them I got this letter this morning. :D:D:D

 

scan0004-1.jpg

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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nice one berrylover.

 

FB i have a MOORCROFT thread that may make u laugh with one of the lines.

 

Moorcroft/littlewoods.

TGM

Edited by The GodMother
adding link

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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Oh and now that they have closed the account with themselves and sent it back to whoever it was who gave them my name and address, I am going to send them another FINAL invoice tomorrow, with a copy of a letter to their local TS (costs added of course) in which they will be told in no uncertain terms to pay up or I will take it further, :D

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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This will be interesting. Keep us updated on what happens next.

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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will do just for u FB.

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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Get in, by annoying the heck out of CFS and repeatedly sending them invoices for having to deal with them I got this letter this morning. :D:D:D

 

 

Typical DCA half-truths. The letter says that they investigated your case & someone no-longer works for them

 

That means that they considered it for 5 seconds & gave you the name of someone who left cos he found a better job.

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PRE-COURT DIVISION.

 

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

 

 

 

URGENT COMMUNICATION. DO NOT IGNORE.

 

 

 

DEBT - £394.00

 

 

Legal Case no: xxxxxxx

 

Dear Mr Glover,

 

Thank you for your letter dated 5th August 2008, which has been noted for future reference.

 

Although I am pleased that you no longer see fit to be dealing with this case due to a lack of signed contract, there has been no response to the previous invoice or reminder letters. It is a legal requirement to send notice of intended Court Summons before issued. This letter fulfils this requirement even if you do not actually read it.

 

To prevent us from taking legal action you MUST pay within 7 working days.

 

Please send a cheque made out to xxxxxxxxxx with the legal case no clearly written on the back. Please do not send cash through the post.

 

I would like to draw to your attention that if Judgement and an order for repayment in full is obtained and remains unpaid enforcement of the debt may be sought by one or more of the following means.

 

  • Warrant of execution by bailiffs against goods owned.
  • Application of attachment of earnings order with your present or future employer.
  • Application of a charging order on any property that you may own or are purchasing under a mortgage.

I would like to draw to your attention that if legal action is taken, not only may this affect any future credit applications you make, but any legal costs incurred are usually payable by the debtor.

 

I would like to draw to your attention that if legal action is taken, not only may this affect any future credit applications you make, but any legal costs incurred are usually payable by the debtor.

 

Please see the breakdown of the charges on the reverse of this letter.

 

 

:D:D:D:D

Edited by berrylover
  • Haha 1

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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Now that's a seriously funny letter. :lol::lol::lol::lol:

 

Although I am pleased that you no longer see fit to be dealing with this case due to a lack of signed contract

Bet most people are pleased about that too.

 

Please send a cheque made out to xxxxxxxxxx with the legal case no clearly written on the back. Please do not send cash through the post.

Legal case number lol I like it.

 

I would like to draw to your attention that if Judgement and an order for repayment in full is obtained and remains unpaid enforcement of the debt may be sought by one or more of the following means. insert threats here etc

 

And the best quote till last....

 

It is a legal requirement to send notice of intended Court Summons before issued. This letter fulfils this requirement even if you do not actually read it.

 

Using their own daft classic line against them. I love it.

 

I really do hope you'll post their reply on here.

Edited by fuzzybobble
I spilt wine on my keyboard and it keeps missing letters out.
  • Haha 1

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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FB that is my letter back to them. All that ginger has gone to your head.

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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FB,that WAS the reply.

 

have just picked myself up of the floor after laughing so hard i nearly wet myself.

 

would love to see the response they make to that

 

have some rep berry

Don't Quote me on that :lol:

 

I am now a rep hunter :lol:

Have I helped, educated, impressed?

Click my scales

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I noticed after a posted it, so edited it, and checked who was reading the thread.

 

Damn I hoped nobody noticed. :eek:

 

Oh well, at least it gave you a good laugh. :p

 

It's not my fault Bargain Booze is doing 3x 1 litre bottles of Merrydown for £5. hic

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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Merrydown!!!!

 

Maybe you just need a lie down,:D

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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Merrydown!!!!

 

Maybe you just need a lie down,:D

 

The Merrydown does that bit for me.

 

I woke up on the front doorstep with the shed key in my hand the other morning after a Merrydown session at my cousins house.

 

It was then I reaslised that 3 bottles of Merrydown is almost the same as drinking 10 pints of Carling. And after 6 pints of Carling I do daft things at karaoke nights.

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've spent ages reading through this thread and laughing at most of it. My mind is full of bumble bees, having received a nice postcard from MBNA with sunflowers on it yesterday the two are now linked in my brain!

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Oops...How about tea towels?

 

please dont start off on the tea towels AGAIN.

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Please

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