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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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Getting Charged On Purpose to Increase the Claim


PKea
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Apart from being unethical and lowering yourself to their level what would be the point to pay out money to claim the same amount back (apart from a few pence interest).

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Just curious to know if anybody has now deliberatley caused charges on their account knowing that they will get the money back in the long run.

 

Is this Ethical?

 

Or do the banks deserve it?

 

Thats probably the daftest thing I've ever heard - there's no point it's your money in the first place. You aren't profiting in any way.

 

Actually, no, I've heard dafter. The League Against Cruel Sports recently said that it was going to buy up shooting estates and re-sell them minus the sporting rights and use the proceeds to finance more purchases - HUH? It's one way of getting to the bankruptcy Courts in short order I suppose for anyone who seems determined to do it. It would be like a property developer deciding to buy up perfectly good houses and try to sell them on after having ripped out the floors, walls plumbing and electric out of them.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Thats probably the daftest thing I've ever heard - there's no point it's your money in the first place. You aren't profiting in any way.

 

Actually, no, I've heard dafter. The League Against Cruel Sports recently said that it was going to buy up shooting estates and re-sell them minus the sporting rights and use the proceeds to finance more purchases - HUH? It's one way of getting to the bankruptcy Courts in short order I suppose for anyone who seems determined to do it. It would be like a property developer deciding to buy up perfectly good houses and try to sell them on after having ripped out the floors, walls plumbing and electric out of them.

 

P.

 

Yeah the shootun & untin rights are worth millions and that's what pays for their upkeep The land is usualy rocky & hilly with pleny of scrub for the guns to hide. Silly moo's

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unless you actually have enough money, then run up several thousand in fees and sit back for 5 years and lap up the 8% interest

 

But you would be overdrawn so would be getting charged at least that on the O/D balance. Not to mention the fact that intentionally incurring these fees would be highly illegal.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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I've had two more lots of charges since my prelim letter both of £39 each.

I haven't got them on purpose, in fact one led to the other (as usual)

The only difference now, is I only get momentarily annoyed by it, instead of suicidal!

My husband and I have just applied for a joint account at the Halifax (the bank Im claiming from)..........ya think we will get turned down? lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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But you would be overdrawn so would be getting charged at least that on the O/D balance. Not to mention the fact that intentionally incurring these fees would be highly illegal.

 

P.

 

as I said if you had enough money ie if you weren't going to go overdrawn and I think it would be hard to prove intent to create fees as nobody in their right mind would be doing it

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as I said if you had enough money ie if you weren't going to go overdrawn and I think it would be hard to prove intent to create fees as nobody in their right mind would be doing it
Correct

 

A thought does occur though that you could delay by using the maximum amount of time available for you to progress your claim thereby racking up daily charges. For example giving them additional time to respond & so forth.

 

They would have to be cautioned at the outset that interest was accruing daily

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as I said if you had enough money ie if you weren't going to go overdrawn.....

 

Am i missing somethig here, if you dont go overdrawn then what charges will you get?

 

I though that bank charges were for exceeding an overdraft or using one where you dont have that facility.

 

If you have loads of moeny and dont go overdrwn yuo dont get charges do you?

 

:confused:

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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erm ...........charges like unpaid direct debits, and insufficient funds for cheques each carry a £39 charge with the Halifax.

They only allow me an overdraft if I have insufficient funds for the charges...........they charge £28 for this.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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I think we should stop feeding the troll, he or she will get fat and burst, and i dont want body fluids on my shoes, its the devil to get off!!

 

Oh and it ruins the patina!!

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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:smile:JonCris

This must be your fantasy as you seem to have hijacked it to voice your opinions.

So fantasise away.

 

I was trying to open up some debate, but you obviously didnt get the point .

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PKea thanks for the thread, I thought there were some really good points to be made, please dont let the arrogance of some put you off.

 

On a lighter note..........If thats what passes for fantasy these days, no wonder women look so miserable lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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:smile:JonCris

This must be your fantasy as you seem to have hijacked it to voice your opinions.

So fantasise away.

 

I was trying to open up some debate, but you obviously didnt get the point .

 

PKea

 

Sorry if we missed the point, i cant see how you can logically incur charges to gain a benifit on purpose.

 

Whatever an individuals morals you would open yourself up to a serious fraud charge, in the case of the banks Vs you, as opposed to you Vs bank im sure the police would investigate on their word over yours.

 

JMHO

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Share on other sites

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