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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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OH HSBC credit card debt


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  • 9 months later...

Hi Everyone

Continuing saga of O.H. v HSBC .Ref a Credit card. Gone the route with SBC who stated in writing "there was no point in further correspondence in this matter" 2 years ago. Since then Moorcroft tried and went away and last year Lowells surfaced and went away after non acknowledgement letter. Latest is letter together with photocopy of 2 statements from over 7 years ago at previous address + photocopy of T&C's + application form filled out with O.H's details at previous address - not where card was issued to! Beleive they are p***sing in wind, as copy statements were from HSBC Birmingham ? Card was Midland card originally. Any thoughts? hank You

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I would send them 1 final letter stating as the information supplied purporting to be copies of statements,T&Cs and application are all incorrect you do not expect to receive any more communications with false information.

 

How far away from being SB?

 

FS

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When was the last payment or acknowledgement

of the debt.

Miland was swallowed up by HSBC.

Before sending ANYTHING you need to check your

credit files and see the status of the account, it's

pointless sending any ''final'' letter until you are

sure,as the information is not false it reflects

the take over of the card issuer.

Were any payments or acknowledgments made

after the date 0n the statements you have received?

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Was the ''application form'' signed?

Do the statements show traceable

use of the account, name, address

etc.,

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No, application form not signed and even made out at previous address not where card was originally issued

just OH name & address. Card statements show a few items bought and old credit limit

Should have said all this saga is in OH single name prior to us getting married

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Ok, now you need to put the account into

dispute as the CCA information does not

comply, use the template letter in the CAG

library and tell them that no further correspondence

can be entered into until the compliant signed

and properly executed agreement is supplied, send

this letter recorded delivery addressed to THE COMPLIANCE

MANAGER at Lowells, check delivery on line.

 

Brig.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No they have not complied with

your lawful request by sending an

unsigned app form this is the account

now in dispute letter no fee needed,

it now puts them to proof of the debt

and their right to collect.

Have a read through the templates

I think there may be a couple to suit.

 

Brig.

 

Let me know if you need help

with it and I'll put something together

which you can amend.

 

Brig.

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Thank You Brig

I need help because I sent Lowells the " serious dispute" letter - their response before was that HSBC stated they had closed complaint and sent final response letter but amount was still owed. this sent them away last year so when they wrote recently I sent same letter, but this time received above info and statements

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OK, what you are telling the now is that

the documents they have supplied do not

comply with a request under CCA 1973 sections 77/78,

and until they comply you will not correspond further,

this is Lowlife attempting the BULL SH*TE baffles

brains approach by sending meaningless bog paper.

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Thanks Brig Will send tomorrow, and allow them 10 days + 2 to respond with copy of SIGNED agreement or they are also in serious breach. You've been great Will let you know result. Weight off my mind & OH Thank you once again

bb

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bb, The time limit is not relevant on this

letter as it is a complaint of non compliance

under the CCA 1974 just state you expect

a reply within 14 days as the final sentence

of the letter.

Brig.

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