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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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JGJ

Dca Attempting To Collect Alleged Debt Whilst In Dispute And With The Fos Re Ppi/charges

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Could someone please advise re the sending of the most strongly worded letter to DCA (IQOR recovery services)

The following letter was received 4th Dec. whilst the acc is still in dispute with Lloyds *ankers and is under investigation with the Financial Ombudsman Service. re PPI and charges applied thereto.

 

All advice and comments will be gratefully received.

 

"EXEMPLO DUCEMUS"

 

IQOR4thDEC090002.jpg

Edited by JGJ

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wouldn't bother

 

ignore them

 

just a threat-o-gram littered with the normal words.

 

if, but, could, might, maybe.....etc etc

 

simply designed to get a responce

they will not care nor know its in dispute

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks for the swift response dx.

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Firstly, Report them to the OFT and Consumer Direct (the consumer arm of the OFT) 08454 04 05 06

 

Secondly, send the trespass rule letter.

 

Thirdly, write to IQOR & Lloyds, informing them that, they are in breach of the OFT guidelines on debt collection and;

the CPUTR's.

 

Lastly, whilst the FOS are investigating your valid complaint, the matter becomes grid-locked. Lloyds tsb and their chosen agent must know this!

 

Outrageous and misleading unfair business pratice...

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angry cat,

 

Thank you for your swift response. Lloyds really are the pits, I have already started the letters and I will send them by signed for delivery on monday.

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I must admit, that is a very very amusing letter they have failed to cobble together properly.

 

I particularly like their take on the good old 'valid even if not read by you' phrase.

Replacing it with an even more childish and hilarious turn of phrase 'Our actions will continue regardless of whether you actually read this notice or not'

 

And the fact that they can't even be bothered to edit letters to suit, I'm certain that your address would give them a clue as to whether you live in England or Scotland, and whether they will be able to take legal action in a court or Sheriffs court?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Make sure that you inform your FOS case worker;

he/she will take an extremely dim view of IQOR/Llloyds actions in this matter!

 

Lloyds know full well what the protocol is in relation to an FOS grid-locked dispute;

IQOR, are attempting to mislead you.

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Thank you all for your swift replies and advice/Info. Lloyds have been a real pain in the *rse for years, ever since I defeated them with my business claims some years ago, whereupon they had to cough up some of their ILL gotten gains.

I will update when things start to move on.

 

"EXEMPLO DUCEMUS"

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Make sure that you inform your FOS case worker;

he/she will take an extremely dim view of IQOR/Llloyds actions in this matter!

 

Lloyds know full well what the protocol is in relation to an FOS grid-locked dispute;

IQOR, are attempting to mislead you.

 

Hi JGJ:)

 

Whilst I agree that you would think Angrycat's statement above to be true and indeed until very recently I believed the same myself, my own current experience with LTSB/FOS would call this into question.

 

Mr Landy and I both have (loan) accounts in dispute with LTSB over mis-sold PPI. Both complaints have been with the FOS since July 2009. In Mr Landy's situation he received a letter from his FOS case-worker asking if he was being threatened with legal action in relation to this debt, implying that if he was they would speed up the resolution process. As he was being threatened by Apex who were getting increasingly nasty, we informed the FOS - who promptly ignored this and continued to drag their feet.

 

In my own case, Apex have again started threatening legal action, so once again I duly sent copies of their threatograms to the FOS. This week the FOS suggested I should contact Apex to come to an arrangement to pay them:eek:

 

Not only that but after my last response to Apex, LTSB have written to me informing me that Apex have agreed to not pursue me for this debt till 12th January, which they say is 3 months since they passed my file to the FOS - implying that the FOS have had plenty of time to resolve my complaint! They even add that as they have not been instructed by the FOS to halt collection activities they are not prepared to do so:eek:

 

Apologies for this mini hijack of your thread, but thought you should be aware that it's not as simple as telling the FOS and that the DCA collection activities/threats will stop!

 

All the best,

 

Landy x

Edited by landy_alert
Added something!

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Landy alert,

 

Thank you for the heads up re the Lloyds/FOS "connection"

I have seen off a couple of Lloyds threatogramme DCAs as they Lloyds, are relentless ruthless and completely and utterly, deliberately dysfunctionally out of control, even before the decision handed down from the Supreme Court re the OFT test case. (Therein lies many a tale of intrigue)

 

However we have to take them on with the ammunition that is available to us and I think that the "CAG" and "caggers" :D are one of the best tools available to us. Unfortunately if we do not go through the correct protocols to take on these *ankers we get hammered by all and sundry on our way to dare I say fair justice in the County Courts whereas they apparently just need a last minute fax and that apparently seems to dispose of the necessity for their input pre Court protocols.

 

The DCAs are the obvious battering ram for the *ankers, lets just wait and see if they dare to take anyone to Court in the near future, the outcome will be very very interesting. I eagerly await the decision/input of the FOS.

 

On my last visit to Court on the 25th yes the 25th Nov, (Bad timing or what) on one of my submissions to the Dep. DJ, he proudly announced that the Law is "equal to both parties," if only I had the equal share that the *anks seem to command.

 

 

"EXEMPLO DUCEMUS"

Edited by JGJ

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Hi JGJ:)

 

You're welcome! I will follow your progress on this with interest as it just makes you wonder whether different FOS employees give out different info. They are so obviously bogged down with complaints, I wonder also whether they are all sufficiently trained for the job they are supposed to be doing!

 

I fully agree with you about the after-effects of the test case - talk about (supposed) success going to LTSB's heads. Still, all is not lost on that front;)

 

Regards,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Received the following letter a couple of days ago from DCAs as they appear to be getting more and more desperate and frustrated with their pitiful attempts at collecting this Alleged debt which is disputed with Lloyds.

 

Appropriate letters were sent to them over a week ago by signed for del.the Royal Mail receipt was not signed for del, until wed 16th.

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IQOR9thDEC20090001.jpg

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the clue there is they are offeringa discount

if there wasn't something wrong with the agreement or debt, then they would not make an offer.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Bunch of Chancers!

 

Please please please, send them the money they are asking for..................using Monopoly Money!:lol::lol:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Bazooka Boo,

 

IF only I had seen your post earlier, alas I have already paid them and received a good discount on the alleged debt that I do not owe and with what card did I pay them with do you ask, *ucking "XMAS" card would be my reply. :D:D;).

 

 

 

"EXEMPLO DUCEMUS"

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"Our actions will continue regardless of whether you read this notice or not"

 

 

priceless!!!

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Hi JGJ:)

 

Further to my above posts, I spoke to my adjudicator at the FOS the day before yesterday and he said that consumers should not consider the account to be in dispute just because there is an outstanding PPI issue on that account:eek:

 

He said that the FOS was there to protect consumers and advise them not to get into further trouble by not paying their debts and thus being taken to court.........and that many consumers tell the FOS that they are not paying because of PPI issues, when they should actually carry on paying:eek:

 

Trying to reason with him over this was useless as he just trotted out the same old mantra that mis-sold PPI doesn't equal account in dispute and that to believe this was a mistake.........

 

Regards,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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poss agree with this is certain conditions, however, i still don't think they should be allowed to post markers/defaults on the A/C with cra's.

 

my thoughts are: if the PPI refund has the potential to clear the debt, then no it should not be allowed.

but, if the PPI refund might only clear 'part' of the debt, then i think it unadvisable to stop 'any' payments you are currently making.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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IQORLOANACC12thJAN0001.jpg Edited by JGJ
"APOLOGIES" POST REMOVED

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This is the latest letter from Lloyds re my PPI claim and subsequent investigation by the FOS (still ongoing, in the massive queue of claimants)

 

All further advice/information will be as always gratefully received.

 

Bearing in mind !QOR have offered a "substantial reduction on your outstanding balance" their words, This response came after I sent them the "Account in Dispute Letter"

 

"EXEMPLO DUCEMUS"

 

 

LLOYDSIQORLOAN13JA0001.jpg

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is it bank charges?

i thought this was ppi?

 

now, my other q's on post 18, ......

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dx,

Thanks for your swift reply.

 

1) No PPI

 

2) It is

 

3) Please explain your question re post 18 ?

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so their letter is rubbish as they dont know what they are talking about, your are reclaiming PPI NOT charges.

 

if the PPI refund has the potential to clear the debt, then no it should not be allowed.

will the PPI refund clear 'part' of the debt, or all of it?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dx,

 

If I manage to get a refund of the PPI, via the FOS route, I do not have the exact figures to hand. so what are the implications if.

 

1) PPI reclaim (if successful) does cover the whole of the outstanding balance.

 

2) PPI reclaim does not cover the whole of the outstanding balance.

 

I have previously requested the underwriting sheet etc, when making the initial PPI claim, ("still awaiting Lloyds response") and that is why/how I made complaint to FOS.

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