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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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GE Money - CL Finance CLAIM FORM RECVD


bigted28
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Hi there,

 

I need some help, and have been told this is the place to go!!

 

I have received a claim form from CL finance regarding my Burtons Store Card

 

I am yet to send the CCA request as i am sure all the have is the application form that i signed at the cash desk some 5-6yrs ago

 

I need some advice as to what to do now, i have linked a copy of the claim form to this post.

 

I did have an arrangement with Burton GE Money to pay this off and have been in touch constantly regarding my situation

I was £10 outstanding on my monthly arrangement, now they want everything , and it has been passed to CL finance apparently since Dec 08.

 

Obviously there isnt going to be enough time to get a reply from GE Money in relation to a cca request which is being sent Tuesday.

 

I will send in my AoS extending the time with the intention of defending all of the claim.

I'm sure there are charges on this card which i can also look into.

 

I hope someone has an idea as to what kind of defence I can submit, and the next course of action for me

 

Many thanks

 

BT :cool:

 

http://i638.photobucket.com/albums/uu101/bigted28/BURTONcopy.jpg

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Hi bigted

 

Welcome to CAG.

 

With your AoS send a not to the court and to the claimant pointing out that the claim refers to a written agreement but a copy of the agreement was not attached to the claim form as required by CPR Practice Direction 16 paragraph 7.3. Ask them to send one forthwith.

 

Send a CCA request under s78(1) as well - you shoulkd ask for a coy of the executed agreement and statement of account.

 

When it comes to your defence - you can say that the claim is not sufficiently particularised as

 

1. there is no copy of the agreement and threrfore no evidence that you owe them anything or that they have made the claim against the right person

2. without prejudice to that, there is no statement of account so there is no evidence that the claim amount is correct

 

(assuming they don't send an agreement). We wil help you with the defence - it is a standard "embarassed" defence you need.

 

 

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  • 2 weeks later...

Response received stating that they have received my defence, queried this with the court, who state that any correspondence other than AoS is accepted as a defence.

Advised them it is not my full defence, and was meant as AoS only.

Will have to wait and see whaty happens.

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