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    • see***   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all leave jurisdiction unticked -  *** for the minute hang fire on doing AOS on MCOL until andyorch advises if/if not you question jurisdiction please   you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. ..  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/   CHANGE the list of documents too: Original signed finance agreement together with the terms and conditions IN ENGLISH Any notice of change in account terms and conditions that were ever issued since credit approval Any notice of default or UAE equivalent that was issued by the original creditor All and every statement of the account including how any interest has been calculated. Proof that UAE Court Judgement has already been gained upon said debt. Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a UAE debt. The UAE is not a 'member state' . . . type your name ONLY*** no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]      
    • thanks. but, where shall i get a copy of this agreement/ guarantee. who shall i contact the claimant.
    • yes, sorry meant witness statement   will post up soon
    • Name of the Claimant ? Abu Dhabi Commercial Bank   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 20 Nov 2019    Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - AOS  XX + 19 = 08 Dec file defence date  - 08 Dec + 14 days = 20 Dec 19      Particulars of Claim The defendant owes £25k (debt under a credit card agreement with ADCB dated xx/08/2014 despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £25k and also claims interest thereonpursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £2000.   What is the total value of the claim? £27900   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes - left Dubai   Did you inform the claimant of your change of address? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After - Aug 2014   Do you recall how you entered into the agreement...On line /In branch/By post ? Representative of bank visited at my place of work with all documentation.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Not sure - Can’t see it on Clearscore (Equifax), only have basic Experian app (not Credit Expert).   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Note sure; don’t think so. Moriarty claim to have “been instructed on behalf of ADCB”   Were you aware the account had been assigned – did you receive a Notice of Assignment? No; only had a letter, then a Final Demand, then the Claim Form and another letter )all from Moriarty)   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? I was made redundant so had to leave UAE to return to UK.   Despite me advising  ADCB’s ‘agents’ (DCAs etc) I had no savings, couldn’t find any work nor borrow money to make repayments and was presently in a DMP, I was requested to make a payment as a “good faith” gesture and then they would agree that the sum would not accrue any further interest and subsequently enter into an “affordable agreement”.   Despite my intention to offer any possible solution that I could manage - e.g. merging into my DMP - ADCB were not interested and it reached an impasse.   The payment I did make incurred high charges (SWIFT payment) I requested if I could pay by card or a method that would not incur high charges. I also offered to agree to % of any future income earned as well as a regular affordable sum.   I was advised this would be possible, but all promises made to me proved to be false and so despite me communicating my situation to ADCB all I was offered was to enter into an agreement that I could not afford or ‘final settlement’ that I also could not afford.   In addition to this, I’ve had all sorts of obfuscation, misrepresentation and false promises - esp. relative to Central Bank Listing, police case and suchlike -  that I was only promised would be “cleared up” should I make payment.   So the situation reached impasse - I wasn’t getting any sense or manageable proposals and I certainly couldn’t afford to keep paying the amounts suggested (especially incurring £20+ charges each time).   What was the date of your last payment?Jul 16   Was there a dispute with the original creditor that remains unresolved? ADCB didn’t seem interested in the litany of  questionable methods employed by their representatives - e.g. misrepresentations, fraud, deceit - and my suggestions of possible solutions (DMP or % of future income) were ignored, rather they just kept wanting money I didn’t have to ‘hold off’.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - see above; I advised them I had lost my job, could not find employment, had no savings but would be agreeable to adding to my DMP OR perhaps agreeing to a payment plan on a % basis of any future income.   QUESTIONS Do I need to get a full Credit Report from Experian or Equifax (other than the apps)?  
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Quidco Problem & Virgin Trains

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I recently took up an offer on quidco regarding Virgin trains. The deal stipulated that every tick purchased would result in £5 cash being generated in your quidco account. So over the xmas period I decided to use the train instead of driving purely on the basis of this offer. Rather cheekily the cost of the tickets was £5 so infact buying them and getting the cash back would result in the tickets becoming free.

Ideal way of trying it out for the 2 weeks and a perfect incentive to see if it was worth my while doing it this way. So I bought them and they have arrived.


Now here lies the problem, Quidco did in fact credit my account for each of the tickets purchased over that period with £5 per ticket. The tickets arrived and that was that, so I thought. Upon looking @ Quidco I find them have rescinded the previous offer and nullified all the earnings from this offer. Now putting me out of pocket of £50 for the tickets.


The reason I purchased these tickets was because of the offer, now knowing the offer wasnt going to be upheld or honored I would have been reluctant to use this method of transport and feel slightly cheated into buying the tickets.


If there not honoring there end of the offer then what would be my options in regard to getting a refund as the only reason I purchased the tickets was because of the offer.

(btw on Virgins website they state that if you want a refund you have to pay a fee of £10 per ticket)


Cheers in advance

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Having watched other stories about non-payment of cashback through Quidco unfold, I am certain that there is no comeback if your cashback is not validated or declined.


The offer of cashback is not part of the 'contract' you have had (in this case) with Virgin trains. Cashback is an incentive but is never a guaranteed component of a transaction with a merchant who offers cashback through Quidco. Better put, it's a bonus that is subject to availability. They do state that they promise to give you 100% of the cashback that you earn (minus the £5 annual membership deduction) but they cannot guarantee that a retailer will pay the cashback to them (for them to pass on to you).


Have you raised a 'ticket' with Qudico regarding the declined payments? They quote that they will look in to all disputes and raise them with the vendor / merchant but again cannot guarantee to reverse / reinstate declined cashback.


I recently had £10.50 cashback due from an on-line purchase declined. I was a bit ticked off but not a lot I could do so just wrote it off. Like I put it above, it's a bonus not an entitlement. On the other hand I have just had £150 cashback from Sky validated and £50 from o2 - and would have hit the roof if these had been declined, but thankfully they're due to be paid the end of this month.


Good luck if you do decide to pursue this.


EDIT: From their website:

We will not be liable to you or anyone else, whether in contract, tort (including negligence, breach of statutory duty or other tort) or otherwise:

  1. for any loss of revenue, business, anticipated savings or profits


Edited by GreatWonder

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I've just missed out on £30 of cashback due to six Virgin Trains transactions being declined. This feels like some form of deception to me as I would not have bought my tickets through Virgin Trains if it were not for the Quidco offer...


I can't help feeling Quidco have more liability than they would like you to believe. Would this fall under false advertising or something similar?

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Seems this is quite rife.

I took out my car insurance by clicking through Captain Cash News of the World cashback site.This was in February 2009 following an offer from More Than Insurance.The cash back was showing as pending for weeks,but was not released.I contacted NOW who asked lots of questions and said they were dealing.My concern was that the time limit for seeking the credit was approaching.

weeks followed with 5 more emails telling me they could only think that I had not clicked through their site for this (even though it was showing as pending for weeks)...

I have sent NOW a letter advising them that their website was instrumental to me choosing to go through them for the insurance after seeing the £45 cashback.

They maintain that they cannot be held responsible for a supplier/service provider not releasing payment,and cite their terms and conditions bla bla bla.

I am not leaving it at that,I am looking into it further.

We need to get some clarity on these things.:mad:

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