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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?
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cupcake68 Vs Virgin **DISCONTINUED**


cupcake68
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i would send this:-

 

 

 

 

Dear Sirs

 

Your Ref Account No XXXXXXXXXXXXXXXXX

 

Thank you for your letter of XXXX.

 

You have failed to supply a clearly legible copy of a document,

 

You have failed to provide a true copy of an executable credit card agreement

 

You therefore remain in default of your obligations of the consumer credit act s78 and requirements for cancellation notices and copies of documents regulations 1983 regulation 2

 

You may not continue to claim payments or make further charges whilst this account is in dispute.

 

Further correspondence claiming charges or threatening enforcement action will be filed without response until the outstanding breach is rectified and you have complied with the requirements of the Consumer Credit Act and responded satisfactorily to my communications detailed in paragraph one above.

 

 

Yours sincerely

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sorry my mistkae forgot we already sent one didnt we

 

fine forget this one then the other one says the same thing

 

 

they REMAIN in default until they provide legible documents- if they cant copy the agreement to give you easily legible copies that is just tough tittie- there is unfortunately (for them) no provision in the act to say that if they cant provide easily legible copies then they don't have to bother!

 

good ere innit!

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Hi Cupcake,

 

I have been reading your thread with interest as I too am trying to get straight with my CC's. Have CCA'd some and MBNA not replied at all so I have stopped payments from this month (last thing I wanted to do but when you get to the stage when there is more month than money it becomes difficult!)

 

I have found that the process of going this way can be very wearing at times, then I read more threads and it gives me a boost to carry on. So don't let it get you down.

 

There is such a lot of information here to help and it does at times seem very daunting remembering what is, or appears to be correct and how to proceed.

 

The post that Steven has just done breaks it down into more simple terms which is so helpful for anyone trying to make sense of it all.

 

Good luck Cupcake and Thank you Steven.

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Hi Dotty

 

Thanks so much for your words of support.

 

I was having a bad day on Monday. I totally appreciate how wonderful this site is and everyone's advice has been truly valued. I am just still very new to all this legal stuff and find it very hard to keep up and when I get conflicting advice I panic!

 

I will get sorted in the end.

 

Good luck to you and thanks again

 

Cupcake

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Cupcake, i am in very similar situation to you trying to sort our several CCA's with about 4 CC company's MBNA is the one you will struggle with or that is my personnel experience. They not keen to supply me with anything i have requested how long before you got your CCA from them. It is all very daunting when you discover this site i have been reading and learning for about 3 weeks now and although ive had few scary moments im determined to plod on and hopefully sort my life out very soon. I wish you the very best of luck, only persue actions that make you feel comfortable.

 

Angmarie

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Hi

 

I CCA'd them in March on 3 seperate accounts and they have all been sent within the last couple of weeks!

 

I'm not sure what I should do about them but as I cannot afford to pay them I thought I would be awkward and write back saying you have admitted in your covering letter that they aren't clear and the rules state it must be clear therefore I consider the account to be unenforceable and see what they do next.

 

Good luck!

 

Cupcake

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Hi Cupcake, so they sent the required original ageement when did you open account please, did it bear your signature and was it legible.

 

Are you saying that they complied with your request, you could always request SAR and try and get charges/interest refund.

 

 

Ang

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The accounts are all pre 2007 and I have different opinions as to their enforceability.

 

They have now sent all three CCA's but only within the last couple of weeks so it took them three months to find!

 

They admit in the leter they sent with each CCA that "it's not very clear" so I am just trying my luck really now to give myself some more time.

 

As for charges and interest, I have never missed a payment until March this year so I have only ever been charged their (extortionate) rate of interest which I don't believe I can do anything about.

 

I am concerned about these accounts because not only have their interest rates doubled from 18 to 35% their minimum monthly payments are one of the highest I've ever known!

 

Cupcake

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Cupcake, this is where they hit you hubby's interest doubled some 16 months ago and his account has snowballed ever since. I think you can ask them to freeze interest tho ask some one more experienced first please. Also why did you wait 3 months for the CCA

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I requested the CCA in March and then put the account into dispute in April and they have carried on chasing me and adding charges since the but they didn't send the CCA until June!

 

Cupcake

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Cupcake, the way i understood was that if you are not provided with CCA within 14 days you put the account into dispute so they are not able to carry on adding charges/hefty interest. Thats the way i understand what i read anyway :|

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  • 2 weeks later...

Hi

 

I have received this today from Optima

 

http://s683.photobucket.com/albums/vv199/cupcake62/EC%20Virgin/ME%20VIRGIN%20OPTIMA%20LETTER%20REC%20150709/

 

It has a income and expenditure form on the back.

 

Should I reply?

 

Thanks

 

Cupcake

Edited by cupcake68
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