Jump to content


  • Tweets

  • Posts

    • Well done topic title updated. Please consider making a donation if not already.   Andy
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website.  select respond to a claim and select the start AOS box..  then using the details required from the claimform . defend all leave jurisdiction unticked you might as well file our SB defence at the same time. 1 The Claimant's claim was issued on dd/mm/yyyy.  2.The date last payment made was the dd/mm/yyyy   3.The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.  4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.  5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.    
    • Thanks now refer back to my link first task is to acknowledge service of claim...all the instructions are provided in my link above and must be completed by Tues 25th June 16.00...also see instruction re sending a CCA and CPR request in the same link. 
    • Guys, i just got a reponse back from BP. Result.   Thank you, everyone, for your advice and help on this; case closed.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

overseas debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5334 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

my husband and i moved to australia 5 years ago and kept up credit card payments, we subsequently went into financial decline 2years ago and then faced hardship... we have kept everyone aware of our whereabouts and have continued to pay our creditors via payment plans. some of our debts have been sold (we think... there's a lot of scare mongering and harrassment) some are deing passed internally ie. halifax to blair oliver and scott- what we want to know is how we can end this nightmare? can you file for bankruptcy in absencia (sic) or can we set up one of these IVA (is that right?) or are we forced to phone these people once a month to make debit card payments for all of eternity??? and what would happen if we didnt phone them back?

Link to post
Share on other sites

thanks guys... have been in and out of severe depression over this thing esp with four young children and trying desperately to make new life abroad work... funny how all my best intentions of paying back every penny evaporated when the bank had a zero sympathy tolerance....;)

Link to post
Share on other sites

  • 4 weeks later...

I know I shouldn't be here but so totally lost in thread posts site -too old for this cyber stuff! Sent CCa request with cash... from Australia 1 pound would cost 19 pounds to send as money order... had my request and cash returned with nasty note saying we wont process until cheque or money order received... is that lawful!?!:confused:

Link to post
Share on other sites

Quite honestly if you are so struggling to pay these morons I would not pay but that's me. I know what I'm on about cos I been there and done it although I'm in the EU and not down under. I wouldn't think there is much they can do to you as you are not in the UK. My total was to tune of 30k and did get a lot of hassle for 2 years but nowt came of it. Seriously though unless the aussie government has done a deal with UK to enforce court orders there is nowt they can do except puff and blow. That is some thing that needs looking in to. There is a post on here somewhere from someone working in a aussie DCA office who said that there is not much they can do regards chasing uk debts apart from hassle people so have a search round. If I find it I'll post the link.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/134786-we-safe-aic-australia.html#post1423061

Link to post
Share on other sites

I can confirm that agreements do exist between oz and uk, getting them enforced is near impossible for the poor old DCA even with an office in oz. Of course that is not what they will tell you. Stop worrying and do read the other post it's very interesting

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

Link to post
Share on other sites

while waiting on 'cashins' reply I am pleased to announce... Halifax are the first to write off a debt- letter came today... couldn't locate the CCA and have closed the account and kindly ask we do the same!!! Hooray.... feels like a step towards the light!!:D

Edited by expatdebtor
forgot something!
Link to post
Share on other sites

Halifax are the first to write off a debt- letter came today... couldn't locate the CCA and have closed the account and kindly ask we do the same!!! Hooray.... feels like a step towards the light!!:grin:

 

That's good news.

 

As you go down the CCA route I think you will find that happens more and more. Don't forget by the way, regarding any company that does not provide a valid CCA within 12 days, you can legally withold payment until such time as they do.

 

To be honest, in your position trying to build a new life in Australia, I would cease payment on the lot of them anyway. Yes, it may be possible for them to take legal action but the costs for them would be pretty steep an the chances of them doing it pretty slim.

 

Can't seeing it being worth the candle for them as even if successful, the probable result would be an order to pay so much a month.

 

David

Link to post
Share on other sites

I live in Spain with a couple of unpaid UK unsecured credit card debts that have now been passed to DCA. Paid for a while then stopped when credit crunch bit me hard.

 

Refuse to discuss over phone by not confirming their "security details". (They phoned me FGS!) Received template letter threats- just ignored and ignored. Funny how they send a letter threatening action then never do anything. Already have poor credit rating in UK anyway so really don't care what they do.

 

No assets, don't own own home etc. So do what you want, I don't care anymore!

 

Requested CCA and notices of assignment but never got a reply. Followed up after three weeks with formal letter stating all further contact from DCA and their lawyers will be ignored until they comply with my request.

 

Next step will be to request emergency bail out from HM Treasury. What's good enough for the banks is good enough for me!

Link to post
Share on other sites

  • 2 months later...

hi team... distressing news... RBS (aka tesco and mint credit cards) have produced signed application forms... also have 'sold' debts to AIC and RMA... not sure why if they feel they have everything they need.... bit lost now....shall formulate my questions in as orderly manner as possible!

1. Got threatening phone calls from DCAs before signed application forms received- what is appropraite? should i now cca the dca?

2. have read thread after thread about whether application forms are enforcable... they are signed dated legible but the terms and conditions are on a seperate document- still unclear what 'in the body' of the agreement means-should the T & C have appeared in the document before my signature? (fyi-application is from 1998)

3. what is my next step? realise it is highly unlikely they will pursue us but need to follow thru in order to have peace of mind!

Thnks guys

Link to post
Share on other sites

  • 2 weeks later...

The consensus seems to be that in order to do anything they first need to obtain a court order, which they would then need to seek to enforce through the Australian court system. This will be an horrendously expensive process in itself.

 

Also, as there is a serious question of enforceability of the agreements (especially since they have chosen to sell the accounts in the circumstances you hve described) an Australian court would have to be sure that the agreements comply with English law before they would do anything over enforcement.

 

So, to answer your question. Yes, in theory, they probably could seek to get the debt enforced in Australia. However, they would have no guarantee of success and it would probably cost them far more than the value of the debt to try.

 

 

 

 

 

 

Link to post
Share on other sites

  • 1 month later...

hey alan- thanks for your reply, just recieved a letter today from OZ DCA requesting amount in dollars... don't want to contact them in any form and give them new hope/leads/in roads etc. BUT wondering what TO do... I do not know which UK debt this company has-they say it is from RBS- who underwrite half the CC debts we have. To my knowledge (i got two signed application forms with no credit limit on so non enforcable) none of the CC have produced valid CCa yet... could it be unlawful that this has been passed on? Should I act or ignore and ride it out?

Link to post
Share on other sites

It is also worth noting that the OFT Guidelines, and the FSA Handbook, apply to any company that is employed by the UK company. So if they refuse to properly investigate your companints then you have grounds for a complaint.

 

I would go along with twofoot on this one - the UK company has to prove that the agreement is enforceable, and I would also question their right to pass information outside of the EU. You may have a complaint over data protection issues as well.

  • Haha 1

 

 

 

 

 

 

Link to post
Share on other sites

The below is about dealing with Debt Collection Agencies in Australia.

Debt collectors and unacceptable behaviour

 

furthermore,

Where to go for help with debt problems

There is a link to local agencies where free legal advice is available so you will be able to ask what can and cannot be done legally by the DCA/Bank in Australia. Good Luck.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

  • 1 month later...
The consensus seems to be that in order to do anything they first need to obtain a court order, which they would then need to seek to enforce through the Australian court system. This will be an horrendously expensive process in itself.

 

Also, as there is a serious question of enforceability of the agreements (especially since they have chosen to sell the accounts in the circumstances you hve described) an Australian court would have to be sure that the agreements comply with English law before they would do anything over enforcement.

 

So, to answer your question. Yes, in theory, they probably could seek to get the debt enforced in Australia. However, they would have no guarantee of success and it would probably cost them far more than the value of the debt to try.

 

Would the fees involved not just be added onto the debt? Or is that just what they'd like you to think?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...