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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. 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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nbonser -v- Baclaycard


nbonser
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Hi Everyone,

 

Ok I need some serious help:wink:, I got an email a while back from a company saying they could get rid of my credit card if I recieved it before April 2007 stating that the law had changed and that a solicitor from there company will do it for me, but then i realised that they wanted me to pay £500 and other costings, I then thought well if they say they can do it 100% so can I and that brought me to several different forums and when reading and seeing that there are many people doing the same thing but doing it themselves, I thought to give it a go at doing it myself........:rolleyes:

 

I found a template requesting my CCA from Barclaycard on the 15th of December 2008 with £1 postal order I was to give it till the 5th of January for a reply and never heard anything. So I came back to the forums and it said to send them a second and final letter giving them 30days to send me my CCA or an explanation of why they couldnt. They sent me the terms and conditions, with my statement stating on the letter they dont have my CCA :grin:. So i left it and on the 4th of February my debt should of been unenforcable. In the time from the 15th December till the 4th of February I must of received 10 phone calls from Barclaycard asking for there money.:evil:

 

Today the 7th of February I recieved a phone call from a debt collecting company called Merces and the man was quite rude saying I owe the debt, I spend the Debt and I will no matter what pay the debt, I stated that I did not receive my CCA and he said to write to them again which I refused because they had ample time. I feel as thought Barclaycard are trying to scare me into paying this debt. He even threatened to send debt collectors round.He also stated im incurring interest every month.I thought this was against the law.:confused:

 

Ok so I am a bit worried now and dont know what to do, Can anyone please advise me, what if I do get Debt collectors at my door and do I stick to my guns? Reality is I have spent it but If there is a law stating i dont have to pay it If there is no CCA then why should I, also if I add up what I have paid I have paid them more then double of what I owed.

 

Ok So can someone with experience in this matter help me out PLEASSSSEE!!

 

Thanx a mil

natasha:-)

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Hi Everyone,

 

Ok I need some serious help;), I got an email a while back from a company saying they could get rid of my credit card if I recieved it before April 2007 stating that the law had changed and that a solicitor from there company will do it for me, but then i realised that they wanted me to pay £500 and other costings, I then thought well if they say they can do it 100% so can I and that brought me to several different forums and when reading and seeing that there are many people doing the same thing but doing it themselves, I thought to give it a go at doing it myself........:rolleyes:

 

I found a template requesting my CCA from Barclaycard on the 15th of December 2008 with £1 postal order I was to give it till the 5th of January for a reply and never heard anything. So I came back to the forums and it said to send them a second and final letter giving them 30days to send me my CCA or an explanation of why they couldnt. They sent me the terms and conditions, with my statement stating on the letter they dont have my CCA :D. So i left it and on the 4th of February my debt should of been unenforcable. In the time from the 15th December till the 4th of February I must of received 10 phone calls from Barclaycard asking for there money.:mad:

 

No agreement = no enforceable debt........

 

Today the 7th of February I recieved a phone call from a debt collecting company called Merces and the man was quite rude saying I owe the debt, I spend the Debt and I will no matter what pay the debt, I stated that I did not receive my CCA and he said to write to them again which I refused because they had ample time. I feel as thought Barclaycard are trying to scare me into paying this debt. He even threatened to send debt collectors round.He also stated im incurring interest every month.I thought this was against the law.:confused:

 

You have made a lawfull request and BC have stated they cannot produce an agreement by law you are not requie=red to make any payment on this debt. If you want you can just ignore them (open all letters just to make sure they do not produce an agreement) for six years it then becomes statute barred and then you can tell all of them to po.

 

I told them they have no agreement so any debt sold to any DCA will meet with the same responce "this debt is not worth the paper it is written on goodbye".

It worked as well

Ok so I am a bit worried now and dont know what to do, Can anyone please advise me, what if I do get Debt collectors at my door and do I stick to my guns? Reality is I have spent it but If there is a law stating i dont have to pay it If there is no CCA then why should I, also if I add up what I have paid I have paid them more then double of what I owed.

 

Ok So can someone with experience in this matter help me out PLEASSSSEE!!

 

Thanx a mil

natasha:)

 

All the best dpick

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Im in a similar situation to the original post. I have sent a cca request to BC followed by an account in dispute letter but have no response. I continually get phone calls from them so sent the "telephone harassment" letter. I haven't had any calls since.

I'll probably get contacted by Mercers soon. Bring em' on!

 

BTK

Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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Hi Nbonser,

 

I've moved your post into your own thread.

 

I'll be back to comment later.

 

:)

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Engaging third parties to try to collect payment of an account in dispute is a breach of OFT debt collection guidelines.

I think additionally you will find its a breach of the Banking codes,and also the Unfair Consumer 2008 regs.

I think you mean Mercers ?

Dont speak to anyone about this by telephone.

Of course you can ignore the threats but you should not have to endure them.

I would be inclined to put something in writing to both Barclaycard AND Mercers.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hi everyone, I have another problem now that im not sure how to sort out, I have had to change my number so that Mercers no longer contact by phone because it was getting to, sometimes 5 calls a day and I just could not take it anymore :( I have been now recieving letters from Mercers ever since saying I need to contact them because they no longer have my number etc. So I have been ignoring there letters and still waiting for my true CCA agreement.

Yesterday I recieved a letter from Barclaycard saying......

I write further to your letter and the enclosed £1.00 fee requesting a copy of your executed agreement (asked for 3 months ago!) for the above account. Please also accept my apologies for the delay in response and for the inconvienience this may have caused.

 

Please find the following documents enclosed:

. A copy of you original Barclaycard Credit Agreement at the time you opened your account (this so called agreement is just a photocopy of a barclaycard agreement with no debt recorded on it, no dates and no signitures. not even my name! nothing but what an agreement would say)

Its like they have send thousands of these photo copies out and beware there is a section saying to cancel the agreement (no one must sign and send it back because i assume its a [problem] so they have your signiture.)

. The current credit limit on your account is £****.**

. The current balance on your account today is £****.**

. The next minimum payment of £***.** is due 06/04/2009

. Please note, a copy of your current Barclaycard Terms and Conditions will be sent under seperate cover.

 

This is the best part of the letter:

The information we must provide to you under the term of section 78 is prescribed by the Consumer Credit Act 1974 and by the Consumer Credit (cancellation Notices and Copies of Documents) regulations 1983.

 

You will be recieving your next statement shortly which will provide you with the full details of your account.

 

This complies our obligation to you under section 78 of the Consumer Credit Act 1974

 

your sincerely

 

Joanne Robinson

Court Orders and disclosures

Legal and regulatory Compliance

 

 

Now this took Barclaycard 3 months to put together and send to me and still fail to supply me with my true signed credit agreement (which as we all no dont have now.)

I then today recieved my statement and every month thay have been putting on loads of interest and still sending me out bills, and Mercers are still contacting and from the letters I have sent to them it clearly states by now they should of closed this matter, and written my debt off because they could not supply me with my CCA!:mad:

 

My question is: I am trying to put a letter together to Barclaycard basically saying that they have to stop sending me bills and putting interest on the debt and to basically supply me with my true CCA or po!!!

 

Can anyone help me pls

 

Thanx again

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Hi Nbonser,

 

......the letters I have sent to them it clearly states by now they should of closed this matter, and written my debt off because they could not supply me with my CCA!
If only it were that simple. ;)

 

BC are saying they've fulfilled their obligations under CCA 1974 and there is some merit in this assertion. So while you may say the debt is not enforceable, or the account is in dispute, BC will say the opposite.

 

Read Link No2 in my signature below - just the first few posts to start with or you'll get overloaded. Then send off the first CPR letter to BC.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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