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    • Name of the Claimant ? Abu Dhabi Commercial Bank   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 20 Nov 2019    Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - XX + 19 = 08 Dec 08 Dec + 14 days = 22 Dec 19   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total    Particulars of Claim The defendant owes £25k (debt under a credit card agreement with ADCB dated xx/08/2014 despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £25k and also claims interest thereonpursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £2000.   What is the total value of the claim? £27900   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes - left Dubai   Did you inform the claimant of your change of address? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After - Aug 2014   Do you recall how you entered into the agreement...On line /In branch/By post ? Representative of bank visited at my place of work with all documentation.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Not sure - Can’t see it on Clearscore (Equifax), only have basic Experian app (not Credit Expert).   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Note sure; don’t think so. Moriarty claim to have “been instructed on behalf of ADCB”   Were you aware the account had been assigned – did you receive a Notice of Assignment? No; only had a letter, then a Final Demand, then the Claim Form and another letter )all from Moriarty)   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? I was made redundant so had to leave UAE to return to UK. Despite me advising  ADCB’s ‘agents’ (DCAs etc) I had no savings, couldn’t find any work nor borrow money to make repayments and was presently in a DMP, I was requested to make a payment as a “good faith” gesture and then they would agree that the sum would not accrue any further interest and subsequently enter into an “affordable agreement”.   Despite my intention to offer any possible solution that I could manage - e.g. merging into my DMP - ADCB were not interested and it reached an impasse.   The payment I did make incurred high charges (SWIFT payment) so I requested if I could pay by card or a method that would not incur high charges. I also offered to agree to % of any future income earned as well as a regular affordable sum. I was advised this would be possible, but all promises made to me proved to be false and so despite me communicating my situation to ADCB all I was offered was to enter into an agreement that I could not afford or ‘final settlement’ that I also could not afford. In addition to this, I’ve had all sorts of obfuscation, misrepresentation and false promises - esp. relative to Central Bank Listing, police case and suchlike -  that I was only promised would be “cleared up” should I make payment. So the situation reached impasse - I wasn’t getting any sense or manageable proposals and I certainly couldn’t afford to keep paying the amounts suggested (especially incurring £20+ charges each time).   What was the date of your last payment? Jul 16   Was there a dispute with the original creditor that remains unresolved? ADCB didn’t seem interested in the litany of  questionable methods employed by their representatives - e.g. misrepresentations, fraud, deceit - and my suggestions of possible solutions (DMP or % of future income) were ignored, rather they just kept wanting money I didn’t have to ‘hold off’.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - see above; I advised them I had lost my job, could not find employment, had no savings but would be agreeable to adding to my DMP OR perhaps agreeing to a payment plan on a % basis of any future income.   QUESTIONS Do I need to get a full Credit Report from Experian or Equifax (other than the apps)?  
    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
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mr.ton

Cheekiness towards a DCA

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It does though doesn't it:D:D


<<<If I have helped please tickle the scales;-)<<<

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Well.....:eek: He's just a very happy cat :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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See, now look here Mr Ton....cat's were my thing......I have changed mine to get away from cats :p

 

Changed it back.....anything you can do etc., etc.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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@Goldlady.....I will come to the next p!$$ up if it is anywhere near the north east! Any excuse for a cheeky glass or two!

 

Last one was at the new Mexican place near the Empire Theatre. Is that close enough?: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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Oh, that is so close, it is within sniffing distance! Keep me informed and I will be there (work permitting of course, although I could always be "ill" :D)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Might change it again & use a gingerbread man :p

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Fuzzybobble has rights on gingerbread men as avatars.......ooooo don't you dare Mr Ton :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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You know i have a cheeky attitude ;)

 

You have? I'll look for proof of that. Be back in a few days with the results :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Might change it again & use a gingerbread man :p

 

I thought you would have a "Gingerbread Person" That's what you used to tell me they were anyway. :D

  • 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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Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum


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Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum

 

 

What a bloody yawnathon lol!!

 

At the end of the day it's all quite simple really, if they keep their paperwork in the correct manner, they will have nothing to moan about. Unfortunately they like to try to pull the wool over people's eyes with lies, threats, abuse etc.

 

I'm fortunate that I don't owe any money, but as my girlfriend and my mother do and I am now on the case for them, these companies are gonna be a little less fortunate in the new year :D


Which DCA should we bring down first?

 

Answers on a postcard :D

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Who votes to elliminate Mr Bidwell then?

 

Dont all rush to vote at once :D

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Phone rings:

 

Me: Hello

Collect Direct: Could I speak to a Miss x x xx x x

Me: Nope, she's not hear at the moment

Collect Direct: Could you tell me when she will be back?

Me: No, I'm sorry I can't, can you tell me who is calling please?

Collect Direct: It's a Mrs xxxx xxxx, I am phoning to do her a favour

Me: A favour? Ooooh, are you phoning to arrange the delivery of the Ferrari I know she has got me for my birthday?

Collect Direct: Sorry.....? A Ferrari?

Me: Yes, one of those big shiny red cars, they are very nice.

Collect Direct: No sir, I am not phoning in relation to that.

Me: Are you coming to repair the helicoptor she got for me with her lottery winnings last year?

Collect Direct: Helicoptor sir?

Me: Yes, one of those fabulous flying machines with spinny bits on it

Collect Direct: No sir, do you have any other number I can contact her on please

Me: I certainly do (gives out mobile number of local pizza parlour).

Me: You will have to ask for her by her 'stage name' though as they don't know her by her given name.

Collect Direct: Certainly sir, what is that?

Me: Marguerita Olive

Collect Direct: Thank you for your time

Me: You're most welcome and if you are coming to replace the speedboat can you make it before 3 p.m. as we like to go to the casino in the evenings. Thanks.

 

Click.

 

These people are fun.

  • Haha 2

Which DCA should we bring down first?

 

Answers on a postcard :D

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All the folks in the office want to know what Im giggling about.

 

Fantastic

 

Notts


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Who votes to elliminate Mr Bidwell then?

 

Dont all rush to vote at once :D

 

 

Yes, lets eliminate him!

 

I am so upset at not being allowed to play on their message boards. Whatever will I do with my time......

 

Ah, that's it.........CCA requests!!


Which DCA should we bring down first?

 

Answers on a postcard :D

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You'd think they would be grateful for some human life on their dull lifeless forum - seems not to be the case.

They get 1 or 2 posts on their per day if lucky.

Anyone would think they lived in fear or something? :D;)

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Oh i gotta know which message board it is to check out the moralistic %%%% that some people spout... pm me and let me know where to look pleaze


muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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The credit today forum....make sure you dont fall asleep too quickly whilst looking at it :rolleyes:

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Neddie Seagoon has joined CT.

Edited by nioclik

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John Jones made a post on there before as well :eek: (;))

 

Their site is being invaded by Caggers seemingly :D

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Me thinks there is more Caggers than DCA's on there :D

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A.jpgThats all I get on Crudit Today IMG%5Dindex.cfm

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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It is still there. Could be firefox doesnt like it.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3367 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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