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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway 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
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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I'm reading but want to get things right and in the right order, please help!


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Hi,

 

Have been reading lots of invaluable info on the site, however, I'm at the start of what seems to be a very scary pit of 'unknown territory' and want to make sure I'm doing things in the right way.

 

Okay, so I have huge debts, which is why I'm here!! Credit cards over 10 years or so, which have been with Payplan on a debt management plan for 2 years. I've been made aware that these may, or may not, have signed credit agreements which I clearly need to confirm.

  • So, my first question is should I send Letter N to all the creditors in the first instance?
  • Second question, should I inform Payplan that I am doing this?
  • Third question, some of the creditors have passed (sold) on the debt to Debt Collection Agencies, (MBNA over to Link being one).

I'm struggling to take in anything past this first point though and am also slightly daunted by court action etc etc. I've also picked up that if there are no signed CCAs, the debt could be unenforceable but that means the debt remains outstanding. So they can't make me pay it but I am left with a bad credit rating forever? Is that right?

 

Any help is very much appreciated.

LCM

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Hiya,

Q1, Yes

Q2 Don't really know although if the debts become unenforcable then you need to tell payplan to stop paying them.

Q3 Same as Q1

If any debt is unenforcable and no further payments made for 6 years then they will fall off your credit file.

 

fox

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hiya,

Q1, Yes

Q2 Don't really know although if the debts become unenforcable then you need to tell payplan to stop paying them.

Q3 Same as Q1

If any debt is unenforcable and no further payments made for 6 years then they will fall off your credit file.

 

fox

 

Just be aware that even though the debt would fall off your credit file after 6 years, some companies can still buy this debt & persue you for it after the 6 years has passed, as I'm sure quite a few people on here have experienced.

 

Hopefully, someone with experience with that situation can give you advice on what to do if it happens!

:razz:
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Just be aware that even though the debt would fall off your credit file after 6 years, some companies can still buy this debt & persue you for it after the 6 years has passed, as I'm sure quite a few people on here have experienced.

 

!

 

Much too early to worry about that. Lets get the CCA's back(if any) Get them posted on here (minus personal details), let the experts have a look(certainly not me:D)

My personal feeling is to carry on with payments until (if) they default on your CCA request.

From my dealings on this excellent forum (not creeping-honest guv:D), lots of DCA's wouldn't know a valid CCA if it bit them on the a**e.

make sure you keep all letters AND envelopes.

Just noticed nobody has said this. DO NOT hand sign your letter. just print it. Send all letters by recorded delivery at the very least. Keep post office receipts and do a track and trace a few days later on the post office web site. print off the dates the letter was delivered. All proof that you have sent them your letter.

Keeps us updated please.

 

fox

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Just be aware that even though the debt would fall off your credit file after 6 years, some companies can still buy this debt & persue you for it after the 6 years has passed, as I'm sure quite a few people on here have experienced.

 

Hopefully, someone with experience with that situation can give you advice on what to do if it happens!

 

They can certianly buy the debt, not that it does them any good if it is STAT Barred

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Just be aware that even though the debt would fall off your credit file after 6 years, some companies can still buy this debt & persue you for it after the 6 years has passed, as I'm sure quite a few people on here have experienced.

 

Hopefully, someone with experience with that situation can give you advice on what to do if it happens!

 

 

If you haven't made any payments or acknowledged the debt for 6 years then the debts are stat barred and the lowlife debt collectors are not supposed to pursue you for it as it breaches OFT guidelines on debt collebting.

 

Thought naughty kitten would know that as she seems well up on the creditor side of things looking at her other posts....................

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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court bundles for dummies

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If you haven't made any payments or acknowledged the debt for 6 years then the debts are stat barred and the lowlife debt collectors are not supposed to pursue you for it as it breaches OFT guidelines on debt collebting.

 

Thought naughty kitten would know that as she seems well up on the creditor side of things looking at her other posts....................

 

Now then! :rolleyes:

 

It doesn't stop them buying it & trying to collect on it...which they do!

:razz:
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Much too early to worry about that. Lets get the CCA's back(if any) Get them posted on here (minus personal details), let the experts have a look(certainly not me:D)

My personal feeling is to carry on with payments until (if) they default on your CCA request.

From my dealings on this excellent forum (not creeping-honest guv:D), lots of DCA's wouldn't know a valid CCA if it bit them on the a**e.

make sure you keep all letters AND envelopes.

Just noticed nobody has said this. DO NOT hand sign your letter. just print it. Send all letters by recorded delivery at the very least. Keep post office receipts and do a track and trace a few days later on the post office web site. print off the dates the letter was delivered. All proof that you have sent them your letter.

Keeps us updated please.

 

fox

 

I absolutely agree.

 

I would have a chat with payplan too as they are a free service that you are already using & will be able to give you very good advice.

:razz:
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hi to all,

i had no contact with my cc company for sixteen years after trying to resolve my debt problem. Sure enough 16 years on a debt collection company turned up on my door step and asked me to pay the £2000 i owed i declined the invitation and said if its enforcable take me to court.

havent heard from them since,

all the best.

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