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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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Is this from Apex enforceable?


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What you received back is more or less is recent Egg agreement, what i think is reconstrude agreement

 

They would need the original true copy of the agreement for any court action

 

you can challenge Apex for a true copy of the original agreement

 

have you still got a copy of the agreement when it was first taken out?

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Ive had the same pattern of letters, i got the scary bailiff one, ignored it then it went back to the ''please call us'' letter..

 

I am ignoring for the time being. I have a feeling they might realise theyve bought bad debts and go away

 

They would have to have your original agreemnt to take you to court so i wouldnt worry.

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Got a new one today... red headed Debtor's Notice giving me 10 days or its Legal Action! Continue to ignore or make a small payment now?

 

I don't want a CCJ on my records so was thinking £10 is better than nothing. What do people think?

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Got a new one today... red headed Debtor's Notice giving me 10 days or its Legal Action! Continue to ignore or make a small payment now?

 

I don't want a CCJ on my records so was thinking £10 is better than nothing. What do people think?

 

What makes you think youll get a CCJ ?. Apex may make all kinds of threats in their letters, but to get a CCJ they would actually have to start court action AND win, there is certainly no sign of them doing that at the moment.

 

Making token payments is unlikely to help.

 

Perhaps you should re-read tour letter, I doubt it actually says pay in 10 days or or we will start legal action, i bet theres a few 'mays' and 'ifs' in there ! :) If there deff isn't then you may well be entilted to request all sorts of info. under CPR rules.

 

Andy

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Got a new one today... red headed Debtor's Notice giving me 10 days or its Legal Action! Continue to ignore or make a small payment now?

 

I don't want a CCJ on my records so was thinking £10 is better than nothing. What do people think?

 

Yep, I've had 2 of those really scary red letters!!!!! :rolleyes:

 

I've just ignored them...PT's case is a matter of days away now so we're not far away from knowing if Apex truly have a leg to stand on.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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My account has been passed from capitol one to apex and I have £13000 o/s with them and i am paying £75 a month.just got a call and they want the debt paid in 5 years not 14 as it is. They are giving me a short time to get back to them with I & E again.I am paying them the max but they want more. It has taken 8 months to get the credit AGREEMENT and it would appear it is un enforceable. yet they are still chasing me.

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Riverdoe

 

Tell them they are not entitled to an I&E form, only a judge is. YOu cannot and will not pay anymore so they can take you to court.. (they wont because you are paying and they wouldnt have a leg to stand on)

 

Or

 

Go down the route of account in dispute - and dont pay any more until they produce an enforceable cca. Thats what im doing

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