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    • Easywayout
      UAE Debt being chased in UK, chasing my employer how to stop this?

      By Easywayout · Posted

      Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • Easywayout
      Dubai debt transferred from IDR to J&P

      By Easywayout · Posted

      Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks,  Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • dx100uk
      Lowell/Overdales Claimform - old HSBC Credit Card Debt

      By dx100uk · Posted

      Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Easywayout
      IDRWW/J&P - Emirates (HSBC) loan/Card

      By Easywayout · Posted

      Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • NewsBot
      What new 'fair value' savings rate rules will mean for you - SYLVIA MORRIS explains

      By NewsBot · Posted

      The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Welscum Finance

MICHFERGIE

By MICHFERGIE
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MICHFERGIE

MICHFERGIE

Posted
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Posted

Welcome help

 

Can someone have a look at this agreement and tell me if they thinks its uneenforecable as I was told by the law society it is as its £20 difference to the garage invoice and wa signed by netcars in Manchester not when I signed it

 

This has been in dispute now since 2005

 

this is now at teh stage when the Ombudsman are now re-opening my case 2 years since i claimed for ppi and still have not got it

 

Thanks

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djwigster

djwigster

Posted
Posted
Welcome help

 

Can someone have a look at this agreement and tell me if they thinks its uneenforecable as I was told by the law society it is as its £20 difference to the garage invoice and wa signed by netcars in Manchester not when I signed it

 

This has been in dispute now since 2005

 

this is now at teh stage when the Ombudsman are now re-opening my case 2 years since i claimed for ppi and still have not got it

 

Thanks

 

Not sure on the above. Can you post the garage invoice up for us to have a look at.

 

Just had a quick look at the CCA and the basic arithmatic on the form seems OK, even if the way it's laid out is very confusing.

 

Can somebody please run the figures through the APR calc to see if that is all OK?

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Et Contra Pacem Regis

Et Contra Pacem Regis

Posted
Posted

Firstly, what is the date of the agreement? - the rules changed somewhat on 31st May 2005. If it was signed after that date then there will be several non-fatal problems.

 

Secondly, it's hard to check the maths on this because they do not state the rate of interest, only the APR (which isn't at all the same thing).

 

Thirdly, I'll bet that that £195 acceptance fee has been treated as credit, which, pending the judgment of their lordships in the Court of Appeal, make it unenforceable.

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MICHFERGIE

MICHFERGIE

Posted
  • Author
Posted (edited)

Re Welcome finance agreement the Finance was charged at 27.3% and the ppi charged at 24.7%

 

 

I have attached the garage invoice showing the £20 difference Welcome told me to contact the garage as its nothing to do with them and teh garage says to contact Welcome so just going around in circles

 

At the moment the ombudsman is looking into this for me as all these peopel want me to do is sign a new agreement the office in Hull where I have been paying my money to has been getting me to phone a mobile and I pay the money over the phone they reduced my balance in may to £2000 yet the compliance department say I still owe £3790 so haev a real battle do not know what to do al they want to do is take the car and sell it at auction? over my dead body

Just need some help

Edited by MICHFERGIE
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emmilou1

emmilou1

Posted
Posted (edited)

Hi what was welcomes explanation for the £20 difference? or have you still not got a firm answer? I'm pretty sure if the total amount payable on the agreement is incorrect than this has serious implications...probably making it unenforcable.

Edited by emmilou1
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MICHFERGIE

MICHFERGIE

Posted
  • Author
Posted

Thanks so much for the reply this is welcomes response

I note that the amount stated on the garage invoice is £6571.00 which is £20 less than on the amount of credit. I am unable to advise you on this issue and would like to refer you directly to the garage with this query.

 

So Like a lemon I phoned them and they said its not theire responsibility

 

Cannot afford a solicitor and not sure where to turn to

 

Thanks

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MICHFERGIE

MICHFERGIE

Posted
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Posted

Just in the process of telling them but they are dealing with the PPI issue but welcome are harping on about the amount I owe and they fail to understand that I have been dealing with Hull and paying them and they do not believe me that tehy have agreed to reduce the balance to £2000 so do not what to do at the moment

 

Thanks

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MICHFERGIE

MICHFERGIE

Posted
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Posted

I contacted the branch in Hull and they agreed if I started making payments to reduce the balance to half so i started paying them O then got a letetr from the ombudsman stating they were refunding £1200 plus a £500 cheque on the condition I sign a new agreement I said no so we are arguing over the PPI now I have a text from the office in Hull stating I owe £2000 so why would I sign a new agreement for £3780.

 

I have a official complaint going through now and hoepfully the ombudsman will help me, I am fed up of fighting these people they tell liars and will not listen

 

I want to take them to court and fight this but I cannot afford a solicitor and there is no win no fee help available

 

Thanks

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MICHFERGIE

MICHFERGIE

Posted
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Posted

Sorry yes stopped paying them trying the ombudsman is trying to negotiate with them I have evern received a letter from Hull asking me to deal direct with them yet Nottingham want me to deal direct with them

They have not got a clue what they are doing been fighting this PPI refund for over 2 years and not seen a penny

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djwigster

djwigster

Posted
Posted

Hmmm, you have a few issues to tackle here by the looks of things.

 

If it was me, Id be pursuing the PPI through the ombudsman first, with the aim of getting the £1700 offered to you as a cheque for you to put into your bank (ie not just taken off your loan balance)...without signing a new agreement obviously.

 

If you manage this, you can then tackle the unenforceability issue and if necessary the fact they agreed to reduce the balance to £2000.

 

Best case scenario then is no loan and £1700 sitting in your bank.

 

With regards to the £20 discrepancy, Im not too sure on this one...in theory if any of the prescribed terms were wrong then this would make the agreement unenforcable, but knowing Welcome they would probably just say that they were given the wrong figures from the garage and therefore drew up an "accurate" agreement with the figures "they were given". IMO this would be tough luck for Welcome as they should check these things, but how a judge would see it is anyones guess.

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MICHFERGIE

MICHFERGIE

Posted
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Posted

Hi I am at present dealing with the PPI dept Welcome will not pay me any refund they are adamant I have to sign a new agreement before refunding it to my account they refuse to give me a cheque and the ombudsman will not push them.

I have a letter from Hull asking me to sign the leter I sent to them asking them to deal with it and not Compliance but Compliance do not believe I have been dealing with Hull as they do not talk to each other

I am in a no win situation I feel with these idiots

 

Thanks

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emmilou1

emmilou1

Posted
Posted

I think if you have arrears they are allowed to use the refund to pay these off then send the rest as a cheque. For instance, if you were £600 in arrears they would put £600 on your acccount to bring it up to date and send you the rest as cheque.

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MICHFERGIE

MICHFERGIE

Posted
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Posted

Not made a payment for 16 months as this account was been disputed so they will not give me any money and I am not going to sign a new agreement for 3780 when I have text message stating my balance is £2000, Hull said I do not have to sign a new agreement I have a letter from them yet Nottingham say I have to sign a new agreement so not sure what is going on they are liars :eek:

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