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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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please help!!!


ben1305
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Thanks for that Sam.

I've signed up for my credit file today so as soon as i get it i'll post back on here and let you know more about the ccj.

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SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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nope.

All they say is that they want to arrange repayment (when i give them the chance to talk).

 

They keep sending me texts saying please contact us regarding settling this account at a greatly reduced amount.

 

hope this helps

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

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The latest text message recieved from JBDR is as follows...

 

I refer to our previous contact.

To take advantage of a special settlement proposal please contaact JBDR on 0141******

quoting ref ******

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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Will do. I get the feeling they're just trying it on. Otherwise wouldn't they have pushed for enforcement or at least mentioned ccj by now?

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

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i'm on with it now. Thanks guys. Will keep you all posted

My opinions are my own and not those of anyone else :D

 

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

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they either dont know. or know and KNOW that they are up the creek without a paddle.

if they had anything it would have been a case of 1 contact,pay up or we will enforce:D

 

you could check court registry on line and see straight away,but it costs £8.

 

I would also say send them statute barred,see what they get back with.

you should have credit file by then.:D

 

SAM

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me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

 

 

now thats a thought.could welcome have fibbed:eek:

 

SAM:pLOWELL DETESTER

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i sent of statutue barred letter which they signed for on wednesday.

have also seen my credit file and there are NO ccj's or defaults from welcome.

there are a lot of address ascossiations put on my credit file by welcome (27 in all)!!! Why would they do that???

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

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Bump

My opinions are my own and not those of anyone else :D

 

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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no sam. the are around 4 associated addresses but there are 27 entries.

 

a few companies have entered the same info several times over but changed the format slightly.

Edited by ben1305

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<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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no sam. the are around 4 associated addresses but there are 27 entries.is this welcome keeping a eye on you

 

a few companies have entered the same info several times of but changed the format slightly.

companies as in DCA? and trace or search

 

 

 

are any of these JBDR?

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no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.

 

There are no entries from JBDR at all Sam.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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so there is no default or ccj on your file.

 

if there had been and it has now fell off,you will have to wait and see if they mention ccj.

 

how long have they been in contact?

 

 

They've been in contact on n off for the best part of a year i would guess. I've had threats of alsorts from them, even to the point where one of their monkeys rang up pretending that she was an OR and that they had BR'd me.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.WHAT DO THESE SAY.

 

There are no entries from JBDR at all Sam.

what date did JBDR first contact you

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Name:MR XXXXXXXX

Address:XXXXXXXXXXXXXXXXXXX

Date of birth:XXXXXXXX

Associated with:XXXXXXXXXXX

Date of birth: xxxxxxxxxxx

Confirmed by:CREDIT EXPERT REPORTDate:19/07/2009Note:This information was provided to us as part of a report application or from information given after receiving a credit report.

 

 

I've copied this straight from my credit file, obviously I've removed all the personal info and replaced it with X's

I honestly could not tell you the date JBDR first contacted me.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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you have no way of finding out if there had ever been a ccj.

its over 6 years,off your file and been removed from central court records.

 

IF they respond to your statute barred and mention ccj.they CAN NOT do anything even if they have original details.

permission will not be granted.

 

what do you mean by pretending to be OR?

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exactly that.

The woman spoke really quietly and extremely quickly...

She said she was Miss M from blah blah and had bee appointed my OR as JBDR had petitioned me for bankrupcy. she went on tho say that she and the creditors were holding a meeting to discuss my assets and that i should seek legal help.

 

Funny how everytime i asked her to speak up she just ignored me and carried on with her BS.

 

In the end i told her to p*ss off as she was obviously speaking quietly for a reason known only to her

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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as long as it is 6 calandar months since they contacted you they will not be able to enforce a ccj.

 

I think that their had been one but its to late for them now,:D

game over.

 

are you at the same address now,that they first contacted you at.

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