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    • Hi,   Been reading this forum lately as received emails from IDRWW representing a UAE bank (First Abu Dhabi Bank). Lost job in UAE last year and fled as had considerable debts (>400k AED) and didn't want to go to jail.   Thing is I do not have the cash to pay, I own no assets or property and I am currently living in Australia. Got caught up in the Dubai lifestyle and fully intended on repaying before I lost my job. I was out of work for nearly a year and my new job leaves very little disposable income due to the high cost of living in Australia.   I have never lived in the UK, worked in the UK and I'm not a UK national. I'm an EU national.   Can IDRWW/CWD do anything considering I live in Australia? Would a UK bankruptcy clear these debts?   Thanks,  
    • The French luxury brand will pay less to buy the US jeweller, ending a bitter dispute over the deal. View the full article
    • I’ve given them a 7 day warning to respond to me then I will go from there.  So you are saying, pay the courier and get the chair sorted, then start a claim? my worry is also that they won’t send me a new chair until receipt of the current. I’m kinda leaving myself open to no chair at all with their track record!
    • Uncle, Thank you, It looks like the EEO will be my best option if I can't use a third-party debt order. The EEO is still OK until Brexit is finalised (after that is unknown) but as long as I start it before year end I believe I am fine as anything started can conclude.   This brings me back to my previous question though, my judgment is against budgetair.co.uk but their parent company in Amsterdam is Travix International B.V   I believe the cost is only the cost of a writ at £66 but would the EEO be issued against Budgetair.co.uk and therefore not enforceable against Travix International B.V?  Or will I get the option to update the defendant as: "Travix International B.V (trading in the UK as BudgetAir.co.uk)"
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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HSBC, Capquest and Moorcroft


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Hi Lesley,

 

I can see that you have sent me a PM but I can't get into it if you want to try again the in box is clear.

Check for actual default date placed by HSBC,

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 months later...

HI Bridge

Got everything from HSBC and there is nothing in there about default date. MKR sent me letter and again everything they had didn't show a default date. The HSBC data has now dropped off my credit file due to time and the MKR is still there with a default date og 2008, but this date refers to when they closed the case according to HSBC.

 

what can i do to get them to remove the defaults on my credit history?

 

thanks

Thanks

Lesleydeacanjason

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Hello Lesley,

 

Well we have got them now, the account will have been removed from CRA files on the 6th anniversary of the DEFAULT DATE:

 

Give me a while and I'll draft a letter for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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thanks Bridge, you are a legend! :)

 

Yep a LEG END in me own lunchtime:madgrin:

 

Keep me up to date on this Lesley.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...
Hi bridge. Hope you are well. Did you have a chance to look at a letter for me? Thanks again

 

Best wishes

 

Lesley

 

Hello Lesley,

Been away from home for a few days, will be trying to catch up later today and tomorrow.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

HI bridge hope all is well. Just wondered if you were in a position to assist with this. Checked my credit file and nothing from HSBC, it has dropped off my credit file. MDKP defaulting me from 2011, but its statued barred now and i would like them to remove all defaults

 

its great that you can help, and Thanks again for you time, much appreciated

Thanks

Lesleydeacanjason

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  • 4 months later...

Any update on this Lesley?

 

How did it all pan out?

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