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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway 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
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Help with Welcome Finance


beyondhope
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Well that was fun!! Local court is closed 4 days out of 5, only open on a Fridays for hearings and information so had to go on a little journey to the court that was stated on the notice on the way so submitted there :) All in though and sorted :D

Time to sit back and wait :)

Come on cab get ya first fling of sh*t off lol

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Well that was fun!! Local court is closed 4 days out of 5, only open on a Fridays for hearings and information so had to go on a little journey to the court that was stated on the notice on the way so submitted there :) All in though and sorted :D

Time to sit back and wait :)

Come on cab get ya first fling of sh*t off lol

Many congratulations mate!!!! :D

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Well that was fun!! Local court is closed 4 days out of 5, only open on a Fridays for hearings and information so had to go on a little journey to the court that was stated on the notice on the way so submitted there :) All in though and sorted :D

Time to sit back and wait :)

Come on cab get ya first fling of sh*t off lol

 

your court spends a lot of time in recess.

 

go on gal "kick" some "a$$":cool:

 

cab

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Many congratulations mate!!!! :D

 

 

Thanks Wannabe :D I actually submitted to the same court Jdene did :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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your court spends a lot of time in recess.

 

go on gal "kick" some "a$$":cool:

 

cab

 

 

Yep it appears that as of 1st april they are part timers :lol: Thanks Cab now hurry up and fling some S*it so you can come join the party :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Sorting through all the WelScum SH*TE No Doubt!!! LMAO:lol:

 

Cheers, MARK

 

 

More like the scumbags that live round here :mad: Jdene and I both submitted at the same court, mine wont be heard there though it will be heard at the local court which I assume may set it back abit if they only do one day of hearings a wk!!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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car has now been sold at auction,:( i'm heart broken:D what can i do:rolleyes:

 

cab

 

 

PMSLLLLLLL now they have really given themselves a headache....get on with it merge ya threads and link me :lol:

 

Ive heard NOTHING at ALL since 11th march!!! No sold at auction no nothing!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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PMSLLLLLLL now they have really given themselves a headache....get on with it merge ya threads and link me:lol:

do you think a new thread would be better

Ive heard NOTHING at ALL since 11th march!!! No sold at auction no nothing!

 

i only know because DVLA wrote to me, saying someone is applying for the log book:eek:

 

cab

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i only know because DVLA wrote to me, saying someone is applying for the log book:eek:

 

cab

 

yea do a new one with the lowdown in first post then link me lol

 

ive been waiting for one of those letters and the old you were naughty not to tell us you dont have the car :rolleyes: my response I actually did tell you verbally on 11th march you told me to leave it as it is!!! because they did!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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any update's yet:)

 

cab

 

 

Hi cab

 

nope nothing yet not received sealed copy of claim form or anything yet, was submitted to the court on Weds so hopefully today or tomorrow :) Isnt it funny though that since they took the car we have heard nothing no notice of sums in arrears, no please pay us no nothing!!:eek:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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hey all!! i am a CAG virgin so please be gentle!! :) I think i may need some advice/ help with our beloved friends Welcome finance.

In March 2008, my partner and I took out a loan for £2000 pounds, direct debits of £136.26 were agreed, 6 months later we were told that the amount of dd was'nt correct and we needed to change it to £140 pcm, so did'nt think much of it at the time and changed dd amount. The loan was supposed to finish this febuary so when the payments carried on i called them and asked for a statement of my account as i had never received one, the response that i got surprised me, i was asked why was it so important that i had a statement of my account now after all this time??? and that i would probably be charged for a copy??? anyway after four more weeks and 7 phonecalls i got the statement to my utter horror after 2 years and 2 months they say we still have over £1000 to pay ????? they claim that we have 2 defaults, which we have checked with our bank and every dd has been paid, not only that but every time i called them they have charged me £10 pounds. they have in the last twelve months been calling us on a sometimes bi weekly basis either trying to get us to extend our loan or offer a resettlement and when we refuse both this awful man called craig found out the number for my partners barracks (in the army) and spoke to my partners csm!!!!! claiming that we were ignoring our debts!!!!!! Is this harrasment or am i just being paranoid????

any advice would be gratefully received as i have never had to deal with anything like this before!!

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Hi cab

 

nope nothing yet not received sealed copy of claim form or anything yet, was submitted to the court on Weds so hopefully today or tomorrow :) Isnt it funny though that since they took the car we have heard nothing no notice of sums in arrears, no please pay us no nothing!!:eek:

 

i think they got the flapping chicken syndrome:rolleyes:

 

cab

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hey all!! i am a CAG virgin so please be gentle!! :) I think i may need some advice/ help with our beloved friends Welcome finance.

In March 2008, my partner and I took out a loan for £2000 pounds, direct debits of £136.26 were agreed, 6 months later we were told that the amount of dd was'nt correct and we needed to change it to £140 pcm, so did'nt think much of it at the time and changed dd amount. The loan was supposed to finish this febuary so when the payments carried on i called them and asked for a statement of my account as i had never received one, the response that i got surprised me, i was asked why was it so important that i had a statement of my account now after all this time??? and that i would probably be charged for a copy??? anyway after four more weeks and 7 phonecalls i got the statement to my utter horror after 2 years and 2 months they say we still have over £1000 to pay ????? they claim that we have 2 defaults, which we have checked with our bank and every dd has been paid, not only that but every time i called them they have charged me £10 pounds. they have in the last twelve months been calling us on a sometimes bi weekly basis either trying to get us to extend our loan or offer a resettlement and when we refuse both this awful man called craig found out the number for my partners barracks (in the army) and spoke to my partners csm!!!!! claiming that we were ignoring our debts!!!!!! Is this harrasment or am i just being paranoid????

any advice would be gratefully received as i have never had to deal with anything like this before!!

 

start your own thread in the welcome forum (you will get more caggers giving you good sound advice, post a link back to this thread and we will do the best we can to help you)

 

cab

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i think they got the flapping chicken syndrome:rolleyes:

 

cab

 

 

Its funny really ive had next to nothing from them since November when I sent my first complaint pointing out that their staff cant add up :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Well I spoke too soon :-

 

img145-2.jpg

 

Just received this......coments please.....

Edited by beyondhope
personal details

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Well I spoke too soon :-

 

img145-2.jpg

 

Just received this......coments please.....

 

"pure" brilliance:p

 

reading through "our notes" (so to speak) i am having problems finding "your" alledged timescales:?.

 

i was under the impression it is the "ACT" that sets the requirements for e default notice.

i am also not aware of the "ACT" being an assertion:???:.

 

obviously not reasonable enough,

 

as for the FOS (PMSL):D.

 

still not prepared to give any comments on the repo then:p

 

cab

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Ah well, the game's up now. I suggest you roll over and concede. :D

 

His first point is incorrect.

He can disagree with your "assertions" all he likes. The law's the law.

 

I expect someone else will be able to advise what to do next. Me I haven't a clue. :rolleyes:

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"pure" brilliance:p

 

Im glad you think so :lol:

 

reading through "our notes" (so to speak) i am having problems finding "your" alledged timescales:?.

 

My assertations to time scales are that 14 CLEAR days are allowable and demonstrated how they were not (the queens bench etc paragraphs of letter i sent and part of poc ;) )

 

i was under the impression it is the "ACT" that sets the requirements for e default notice.

i am also not aware of the "ACT" being an assertion:???:.

 

Apparently it is :rolleyes:

 

obviously not reasonable enough,

 

I'm obviously reading a different act to them eh?

 

as for the FOS (PMSL):D.

 

yea well, nuff said eh!

 

still not prepared to give any comments on the repo then:p

 

Nope NOTHING!

 

cab

 

Well im sure that lightened your mood somewhat lol Im actually confused :lol: Is that meant to make me think oh ok im wrong and then leave them alone???? Im not responding no point when court papers were submitted last weds they surely are going to be served soon :(

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Ah well, the game's up now. I suggest you roll over and concede. :D

 

His first point is incorrect.

He can disagree with your "assertions" all he likes. The law's the law.

 

I expect someone else will be able to advise what to do next. Me I haven't a clue. :rolleyes:

 

 

Thanks Dizzle :D

 

I wont be doing anything im awaiting the court to serve the claim form - think we can leave it for the judge now :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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"pure" brilliance:p

 

reading through "our notes" (so to speak) i am having problems finding "your" alledged timescales:?.

 

i was under the impression it is the "ACT" that sets the requirements for e default notice.

i am also not aware of the "ACT" being an assertion:???:.

 

obviously not reasonable enough,

 

as for the FOS (PMSL):D.

 

still not prepared to give any comments on the repo then:p

 

cab

But Cab!! Didn't you know what the 'A' stands for in CCA????!

 

Ladies and Gentlemen, it is my greatest pleasure to introduce to you all.....

 

The Consumer Credit Assertion 2010!!

 

:D:D:D

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But Cab!! Didn't you know what the 'A' stands for in CCA????!

 

Ladies and Gentlemen, it is my greatest pleasure to introduce to you all.....

 

The Consumer Credit Assertion 2010!!

 

:D:D:D

 

 

Written by Mrs Im coming to get ya herself :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Ok in all seriousness should I respond to this (which i wont be), my response is

 

1. I never said the wording was wrong, I said the amount of time you allowed was wrong and you terminated before the 14 clear days was up!

 

2. Yes they are MY assertations they arent a point of law at all im ever so sorry I will rewrite them at once

 

3. Do you call SAR containing letters dated the day before repo adequate? I dont

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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