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    • 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
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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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OLd CCJ


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I had a ccj done in the bulk centre in 2000, I do not believe there was a CCA as I ill and very distress, I remember the court writing to me asking if I owed the debt as I was in debt with other companies I just said yes and gave them my outgoing and incoming which I was on incapacity benefit at the time. There there was a ccj against me making the minimum payment monthly.

 

Dose anyone know if there is any way I can find out if there actually agreement with GUS or should I just make a full and final settlement of say 5% of the £600, which is all I can afforded of the CCJ.:?

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Had a letter from the solicitors who has been collecting the debt for the last 8 years stating that the claimant has changed to Phoenix Recoveries (UK) limited S.A.R.L. The letter goes on to say that this will have no effect on the case and I must ensure that I maintain payments on the account. Therefore if the original OC was Gus then for them to give it out to Phoenix Recoveries then they must have an original agreement. Does anyone know if I am entitled to see that agreement. :evil:

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As I understand it the fact that you admitted it at the time and you have been paying it for the last 8 years negates any issues that there might be with the credit agreement (would like to be wrong though).

 

Negotiating a full and final would probably be your best option.

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Hold on....just because its an old ccj doesn't affect your right to ask for data. You never know what this info will throw up.They say 6 years but if your still paying the debt then your account should still be active.Might be worth a go.Start writing to everybody.Ask questions, do your CCA request and your SAR. Does the debt include charges and interest which may now be considered unlawful, if it does it should help towards making a f&f.

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