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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?
    • 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
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received mbna cca copies can anyone help


happyandy
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enclose cca copies received 30days after request and its dated 2005 it came back with a undated compliment slip. ca nsomeone tell me if enforceable please.

 

andrew byng:confused:

 

how do i add new attachments???

 

Edited by happyandy
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Read your private message please.

Just looking at your post.

 

fox

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When you repost, could you rotate the images so we don't have to twist ourselves into unnatural positions to read it :)

 

They are fairly illegible and I can't clearly make out the terms very well so you need to see if they have everything on there to make it valid. Others will come along to help.

 

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From the look at the last page in the PDF it was an online application in 2005, not sure whats required but its a bit more complicated than normal applications.

 

Please delete and repost minus your personal details and if you could rotate the images it would be helpful:)

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I'm no expert but to me all the relevant terms are there even if it is virtually impossible to read (I had to set my zoom at 150%)

APR

repayment terms

credit limit(or one set by them)

charges

 

Did you take out PPI on the card?

 

I would keep bumping for others to have a look. LIke I said, I'm not as experienced as others. They may pick up something I still don't know about.

 

fox

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I have the same tear off application form, they would need to prove the terms were on the back, and as they are microfiche copies i doubt that would happen.

 

They will send half the rainforest in letters threatening allsorts, have you sent an SAR REQUEST. Or you could try sending a letter asking to see the document, which is what i did they didnt agree because the original wasnt available, what ever that means.

 

Have you received a default notice they are are normally poor.

 

GG

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Hi andy

 

Your pretty much in the same position as me, i have 2 accounts with them, both unenforceable i think.

 

But its down to them to either prove to you that what they have sent you is enforceable or take you to court.

 

I have sent a letter asking to see the original in one of their offices, but they said the original wasnt available, in my opinion they need that to enforce in court.

 

Its just a waiting game now to see what they do, i receive 4 or 5 letters a week but i just file them, if they ring you dont speak to them on the phone, send the phone harassment letter in the templates library if they are bothering you.

 

Maybe send an SAR request? i know you said you havent received a default notice but have you been defaulted? because they dont always serve them ive got 1 but havent received the other.

 

GG

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  • 3 weeks later...

I am not able to comment on your document. What is the state of play at the moment?

 

Have you stopped paying them, do you have a payment plan in place that is either being administered by a 3rd party or youself?.

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have spoken to MBNA they have stopped the calls but have had a letter threatning charge against house and default and ccj made last payment in january but none since as they have not replied and given me a copy of cca agreement need help whats my next step i am in finance industry so dont want a default

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All they have sent you is the tear off slip.Exactly the same response i got when i cca'd them.

I was told on my thread that it was unenforceable as the prescribed terms are not linked to the agreement in that they need to be in the four corners of the agreement.They cant be on a seperate sheet or on the reverse.

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  • 4 weeks later...

hi everyone

 

will i get default???

 

have got settlement from mbna with some dodgy cca copy and pasted as seen on my file 25% partiale settlement. They wont say if they will default me as in finance industry wouldnt be able to get another job help can someone advise and look a letter this was faxed a unsigned copy

andy mbna_20090427124755.pdf

Edited by happyandy
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Please read your agreement more carefully.

 

unless your initial limit was exactly £1,000 , £3,000 or £5,000

 

then your agreement doesn't state the APR for running account credit.

 

I have made several posts in detail about this.

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hi everyone

 

will i get default???

 

have got settlement from mbna with some dodgy cca copy and pasted as seen on my file 25% partiale settlement. They wont say if they will default me as in finance industry wouldnt be able to get another job help can someone advise and look a letter this was faxed a unsigned copy

 

Seriously WTF is a "short settlement" ???

 

The agreement is unenforceable, and they know it.

 

#1 No APR for running account credit.

#2 Referenced to terms that are not within the agreement.

#3 Probably missing all the required terms on Repayments (as they mention interest rates)

 

It is up to you of course ... But I would expect it to read "Full & Final" not "short"

 

toto

 

P.S. unless, of course, your initial limit was 1k, 3k or 5k ???

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