Jump to content


  • Tweets

  • Posts

    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Hello


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5293 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am very new to all of this and wonder if any one can offer advice.

 

I have been trying to get some old debts sorted out.

I requested CCAs from all the DCAs and to date only one has provided a copy of the original agreement but it came some two months after the initial thirty days were up,, they have yet to provide the deed of assignment

 

 

I have a copy of the experian credit report it shows the original debt but no payments since 2002 against the debt and no mention of the DCA who has been collecting money supposedley for 5 years iro of this debt

 

What shall we do next, I am not convinced they have the authority to collect this debt.

 

they were well out of the timescale for providing the CCA

can they enforce this debt.. In December i think this debt will go from the Credit Report

 

Does anyone have a suitable template to send them of a letter or any ideas what we can do next

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks for the letter

 

Now that the DCA has what looks like the original CCA but have not provided a copy of the DOA or I think statement of account and the debt defaulted nearly six years ago

Do you think they will seek court action and what could happen if they do ?

 

thanks

Link to post
Share on other sites

After Posting On Here Last Night I Had A Good Look At The Cca

And Thinks Its A Fake

 

Its From Hillsden

The Writning On The Cca Is Very Heavy In Places But The Signature Is Faint And Hardly Legible And Its Not Dated

 

The Post Code Is Wrong And No Tel Numbers Are Given

There Are A Few Other Discrepancies As Well

 

What Should A Proper Cca Say And How Many Pages Should It Be

I Cant Scan It On Here At The Mo

 

Please Help

Link to post
Share on other sites

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Thanks For The Link Very Helpful

There Does Seem To Be A Lot Missing From The Cca

 

In The Customers Signature There Is No Provision Fo A Date

Also The First Payment Seems To Be Due The Date The Agreement

Was Signed

 

And The Loan Protection Is Based At The Same Rate As The Loan

 

Any Advice Please8-)

Link to post
Share on other sites

I am moving this thread into the debt forum where you will get the help and support you need.

 

Is Xxxxx Xxxxx your real name? If so, I suggest that you change your user-name to something that cannot be identified with you. The banks and DCAs read these forums and you don't want to hand info to them on a plate.

 

If you want to change your user-name, just send a PM to me or to any moderator and we will get it changed for you.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Rooster, I'd Edit your post ;)

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I have edited post but that wasn't his real name anyway.

I arranged it for him, today.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

HI,

 

Yes, but bear in mind it MUST contain the prescribed terms or it's worthless.

 

Regards.

 

Scott.

(with thanks to Curlyben)

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

ok do u have a scanner or acess to one cause posting the document will b easier

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!!'.

Link to post
Share on other sites

Thanks Godmother for your reply

this is an excellent site and I have spent hours looking at the threads

my scanner is broken and i will have to wait to the end of the month then I will scan it on

 

I am convinced thinks are not correct on the CCA but would love a proper opinion from the experts

 

but a simple question

If a loan was taken out in 2001 and defaulted Dec o2 and no activity shows on the credit file against that loan even though a DCA has collected against it, should that be

Link to post
Share on other sites

I have a copy of the experian credit report it shows the original debt but no payments since 2002 against the debt and no mention of the DCA who has been collecting money supposedley for 5 years iro of this debt

You also need to find out the last payment on this account as it may be nearing or already statute barred.

 

 

Was this an unsecured loan?

 

 

Idax

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

  • 2 weeks later...
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Photobucket is mentioned in the Dummies Guide Scott but not in detail.

 

Basically, you need to upload the document to Image hosting, free photo sharing & video sharing at Photobucket (you can either remove personal details first or remove them once uploaded although I never worked out how!)

 

Then highlight the IMG code (fourth code down), right click, copy and then paste onto your thread and it should come up as clear as a bell. I would give you a demo, but my scanner's not a happy bunny at the mo :grin:

Link to post
Share on other sites

to date I have had the Copy of the CCA and what I have paid DlC

 

they state there is no deed of assignment but enclosed copy of an account from Black Horse

 

I can spot loads of discrepencies and the signature I am sure is not mine and very weak

 

any advice most welcome please

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...