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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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Howard Cohen/MBNA - old set aside case - new AQ arrived - help


matt2002
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I have no idea! I certainly wouldn't have entered it as I wasn't living there at the time, that was a house I was renting, I moved out on 30th November as I picked up the keys to my new place the same day.

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could you have poss entered your old postcode

 

i remember the mbna sign-up site, it used to have just your name and a postcode box

then it auto filled the boxes and asked you to confirm

 

or was it p'haps done via one of these compare sites and your details were previously on the compare system?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I cant remember in all honesty, I don't have any printouts of the application. I know that I wouldn't have used a comparison site, and I wouldn't have used my old address as this means the card would have been delivered there - which obviously wouldn't be any good to me. The only time I would have entered that address was for the previous address information...

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Hi Thanks for replying, the deadline is 7th december, it is definitely from the court, send to court. I am struggling with finances as it is and not sure what will happen if this goes the wrong way! Although I am sure everyone is struggling this time of year :-)

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I can't help with this sorry but will give the site team a nudge to see if they can find anyone to assist.

 

Just a thought with the old address on the document that they have produced. If at the time the application was made, you had been at your current address less that three years, you would have been prompted to input your previous address. MBNA have made a simple boob of putting the previous address on the recon, IMO

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Does it not matter that there is no Credit Limit on the agreement? it just says "we will write to you and tell you what your credit limit is" have searched around but found conflicting information...?

 

No, I dont think this will help any.

 

Can you put a draft defence together so people can advise you further ?

 

For sure I would have thought that the paperwork they have supplied is ok for the s78 request but not for court, as they will need to provide originals.

 

It looks as though they have made a mistake in putting an incorrect address on the document.. as you say, what would be the point of putting an address that you dont live at, else you wouldnt have received the card. I guess you could say something about that in the defence.

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Matt, as advised, you need to draft up your defence so all can help knock it into shape.

For a little guidance on the original agreement argument go to this thread Post number 2560.

Basa has condenced the argument, this may help, but make sure you understand the argument, if its relevant to your case, then its a start.

http://www.consumeractiongroup.co.uk/forum/showthread.php?173201-why-you-shouldnt-use-section-77-78-CCA-1974-if-you-want-the-signed-agreement/page128

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Thanks for coming back, is there a standard format for a defence, or is this just in the form of a letter to the judge - sorry if im being thick, previously when i have submitted a defence it has just been a case of filling in a form that the court sent to me - no form this time though...

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