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    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
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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?
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HBOS and OH's card debt


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Wow lexis

 

superb letter i am in the process of deleting my inbox so will quickly now send you an update

 

im helping a friend with house possession, and soon be off but will be back after we have gone to court

 

laters angel x take care

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I've added quite a bit to the letter in order to try and get the result I'm after, and tweaked the parts I already had.

 

 

"Your letter of (whenever) implied that you were going to send me a fourth copy of the application (you state application agreement, but again, as you know, the piece of paper you have sent 3 times to date is far from an agreement) within 14 to 21 days of your letter. As of today nothing has arrived."

 

Does that sound better ? :D

 

Superb:) Would it be worth adding something about the CPUT regs as well? Even RBS have said they're worried by CPUT:D

 

Lexis, Babybear has a thread on this. I will just go see if I have a link for you.

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Actually, it wasnt BB although she does have quite a lot of input regarding these regs on her threads.. it was BankFodder

 

The link below has a link to the regulations and also a letter to send to the OFT in respect of an invalid document.

 

http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/147830-complaint-oft-respect-invalid.html

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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oh dear, sorry Lexis :D

 

I wouldnt like to say if they have the intelligence to connect the two.

 

The last letter I received from them indicated that someone had gone through each of my bullet points and replied to them. Neither intelligently or with sufficient knowledge and certainly their reply didnt make much sense.. but each of the points was answered:rolleyes:

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Apology accepted:D

 

I've just had a quick look at the regs, thanks. Would I be right in thinking a lot of it seems to relate to buying a product? Ones like this:

Making a materially inaccurate claim concerning the nature and extent of the risk to the personal security of the consumer or his family if the consumer does not purchase the product.

Now not necessarily with BOS, but could this relate to when you're told you'll lose your house if you don't pay the £3.50 arrears you have (or similar). You're not buying a product, but they are misleading you for their gain.

 

I certainly think the first couple encompass a lot of what they've been doing, but I think I'll just add a line on my list of people to complain to indicating that I will be mentioning their disregard for CUPTR rather than going into the specific areas they have breached, otherwise it's going to take them the best part of a day to read my short novel:)

Time flies like an arrow...

Fruit flies like a banana.

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Apology accepted:D

 

I've just had a quick look at the regs, thanks. Would I be right in thinking a lot of it seems to relate to buying a product? Ones like this:

Making a materially inaccurate claim concerning the nature and extent of the risk to the personal security of the consumer or his family if the consumer does not purchase the product.

Now not necessarily with BOS, but could this relate to when you're told you'll lose your house if you don't pay the £3.50 arrears you have (or similar). You're not buying a product, but they are misleading you for their gain.

 

I certainly think the first couple encompass a lot of what they've been doing, but I think I'll just add a line on my list of people to complain to indicating that I will be mentioning their disregard for CUPTR rather than going into the specific areas they have breached, otherwise it's going to take them the best part of a day to read my short novel:)

 

To be absolutely honest, I dont have a clue Lexis. I have seen it mentioned in defences as well I think BRW has a reference to it. Yes, I think in absence of absolute certainty of the correct bits to add, then go with what you have already. I did in fact purchase from the Government stationery office, the regulations and just havent had time to read them. Methinks now would be a good time to start.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Right, that's it done, and I'm not printing again seeing as it takes about 57 pages:D

 

Plus the fact they'll skim read it, ignore any points I've made and send OH another pointless template letter or poorly written note means I'm not spending any more time on it!!

 

I really must put in a complaint to the FOS and get a bit of comp for all the time this has taken:rolleyes:

Time flies like an arrow...

Fruit flies like a banana.

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Right, that's it done, and I'm not printing again seeing as it takes about 57 pages:D

 

OMG.. are you after a booker prize? :D

 

Plus the fact they'll skim read it, ignore any points I've made and send OH another pointless template letter or poorly written note means I'm not spending any more time on it!!

 

I really must put in a complaint to the FOS and get a bit of comp for all the time this has taken:rolleyes:

 

Shall I add in some for the time you lot have taken to help me too? Then I can buy you a drink:D

 

Oh definitely, just add up the contributors to your thread x that number by the amount of hours you have spent working on the letters - think of a number between 1 - 99 and multiply the previous figure, slap in your invoice and bobs your uncle.. :D

 

If you arent able to buy me a lemonade after that.. !!!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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nice letter earlier lexis! Probably one of the longest i've seen but action packed and should hit them where it hurts.

My only thoughts are that ending it with threats of going to the regulatory bodies wont be taken to heart and will not scare them.

Only Court action seems to have that effect. I would seriously consider that if the response is unfavourable to you. Perhaps ask a Solicitor (their letters may be taken more seriously.) I am considering searching around for one myself..

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Thanks davey:)

 

I know it's a bit of a mammoth one - I wasn't going to put the quotes from the Acts in, but then I thought it won't hurt me to state it again. If it goes to court it just shows the judge they were told time and time again. Like I said though, I was happy enough until I read yours:rolleyes:

 

As it happens, I have a very good friend who's best mate is a QC. I'm just wondering if it would be stretching it to ask him to pen something for me:)

Time flies like an arrow...

Fruit flies like a banana.

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UD.. yes i'll let folks know if i find a solicitor that knows his/her business. It would be nice to reply to any letters: 'please send any further correspondence to my Legal Representative'! hmmmmm

 

Lex.. it doesn't hurt to ask! You have to use any means at your disposal to beat them.. Even the draftsman of the CCA thought the Creditors should be punished for failing to create proper documents:

 

BennionCCA.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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No problem, I just hope you get somewhere with them!

 

They've just sent a DN to OH. Silly old chaps though, only gave 14 days from date on letter to remedy, and then went on to send it second class:D Twits.

 

Lets hope they terminate on the back of this DN, then we have an unenforceable agreement to begin with, and an unlawful termination too:)

Time flies like an arrow...

Fruit flies like a banana.

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