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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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Lowell/BW Legal V Myself help have now issued a claim


bh2362
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  • 2 weeks later...

Hi guys,

 

i sent the AQ of last week also faxed it to the court a few times so they got it, was wondering if anyone can advise me on what happens next date set for first week in Feb only a few weeks ago.

 

What happens now, what should i do this end in preparation,

 

so i need to prepare a witness statement with the case law etc, if so can someone help me.

 

thanks BH

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Hi BH

 

If you have submitted your AQ then you can do nothing until you receive your Notice of Allocation with Directions/dates from the DJ handling your case.This will inform you of the track and disclosure dates also WS exchange (if any).

 

Regards

 

Andy

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Hi Andy Thanks for the Reply.

Today I have a letter from restons saying they would be discontinuing due to economic reasons.

I guess this is now closed.

I want to thank everyone for there help:

Chris for getting me started and support from the begining.

Supa and others you were all great.

 

I have one more question before i close this thread:

 

Can i now get the default removed from my file how can i go about this?????

 

 

BH:razz:

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Well done bh

 

With regards to the default it may not be easy but I would personally reply to the letter from Reston's acknowledging the letter and pointing out that the DN was defective and therefore the default was wrongly registered. I would also point out that the default has caused damage to your reputation and you require confirmation that the default will be removed immediately to avoid any further damage.

 

Request that they consider your request with the same courtesy that you are extending to them on the matter which will enable them to close thier file once and for all without further costly correspondence.

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I can't help but will be checking to see if you can get the default removed so please keep us updated.

 

You can try what pedross is saying but also ask pinky69 and have a read of her thread of how she is going about getting her's removed.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices.html

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  • 2 weeks later...
  • 3 months later...
  • 3 months later...

Hi everyone,

 

its been a while since i posted on this post, but today I had a shock it made me smile,

 

I wrote to HFC asking them to removed the default as they discontinued with the case long time ago.

 

today I recieved a fresh new default notice from them same style as before

this time the got the dates right well over 14 days.

 

have they forgotten they have already terminated twice before both on invalid defaults,

 

i would really like to put in a claim now for there stupidity any ideas?

 

BH

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Hi SB I trust you are well

 

The fact that the claimant only discontinued their claim will not eradicate the fact that the debt remains (just very difficult to enforce it) hence their compliance with procedure to issue a DN and you may well get an annual statement also for the unseen future.The default will remain on your file as in line with ICO requirements to record all information.Not until the Debt is wrote off will this cease or allow you to challenge the Default registration.

 

Regards

 

Andy

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Hi Andy,

Thanks for the post, i knew that they can persue again, but what concerns me is the default, they hawve already terminated this agreement in 2008 on the face of an invalid default notice this was documented in my defence in court, this was the reason they discontinued to prevent any further cost to themselves.

If a default has been issued and the account terminated howw can they send a fresh new default 2 years later down the line.

this was being dealt with by restons's if im right on this, after the default expires they will then pass it back to restons,

what a joke...

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As the case was discontinued BH then the matter of unlawful Termination would still have to be proven in a Court of law.You can either accept their foolish attempts to comply/mislead or instigate further litigation yourself to prove that fact and indeed seek damages defamation under DPA.

 

Regards

 

Andy

We could do with some help from you.

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What a crock of the proverbial. This is interesting though, if nothing.

 

What would I do? I would write to HFC Bank, tell them of the situation to date, (including the history of THEIR claim against you) tell them that their behaviour is unreasonable and that they can't bring another claim on the same basis as the previous one, if they do you will complain to the Court that they are being a vexatious litigant and that you will take all appropriate action you deem necessary to prevent them from harassing you further. Use parts of the harassment template letter.

 

Then wait for Restons to come around, do the same to then, complain to the SRA and write to the OFT about HFC's inadequecy in holding a Consumer Credit License.

 

As for how to defend a new claim? I wouldn't. I'd ask for a strike out where CPR Part 38.7 isn't complied with.

 

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Hi C,

Thanks for the reply its good to find someone who knows how to fight back at these, Ill prepare a letter this week and get that sent off to them and see what kind of responce i get back on, ideally i want the default removed.

 

B

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  • 3 years later...

Hi Everyone,

 

blast from the Past, I have recieved another POC through the post today Chasing the HFC Debt, again with another Solicitor firm from Lowell lol.

 

Any help on what i do to ?

 

thanks

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