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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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CCA response from Virgin (MBNA) can anyone help please


Little Lady81
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Hi,

I have CCA'd Virgin (MBNA) and they have responded just in time (today was the last day) with a letter including:

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

1) Copy of executed agreement

2) Up to date Terms & Condtions

3) A copy of most recent statement (which shows the state of your account) which has been signed

For more information about these documents, please see "Frequently asked Questions" enclosed.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

 

I believe the debt to be unenforceable, the agreement was taken out on 09/01/2006 - there is no signature at all on the documents just simply tick boxes and the documents received are copies.

 

Please can anyone help with the next step. Am I right to send account in dispute letter. Payments have already 2 months behind due to mine and my husbands financial situation. :(

 

Would be grateful for any advice......:)

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Hello LL81!

 

First step I think would be to post up what they have sent, so others can take a good look at it.

 

The more eyes the better, because you never know what someone here might spot that you might have overlooked, or considered to be otherwise OK.

 

Hide your key personal details, but try to leave the meat of the material showing.

 

Next step is to get the papers relating to this in order, i.e. dig out all paperwork that you can find, and all Statements. Pull the house apart if needed, and find everything, because something will be useful I am sure.

 

I would also send them a full s7 Data Subject Access Request, that costs £10 and they have 40 calendar days to respond starting from the day after they get the request, your main details sufficient to identify that you are who you say you are, and the fee. Allow them +2 Working Days beyond that for Postage. Any later, and chase them immediately.

 

The S-A-R is important, do not overlook it, because it will provide other useful things.

 

Then come back here to discuss what's cooking!

 

Cheers,

BRW

Edited by banker_rhymes_with
Typoooo
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Hi, I found SAR much more useful if requested after DN issued and terminated and sold on, however this may depend on what you plan to do Little lady.

 

But need to see what they have sent first.

 

Do you have any PPI or late fees that can be claimed back?

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Little Lady, did you get a covering letter with about 11 attached sheets? I just got the same letter from them today.

 

All printed out from what look like standard letter templates. The signed statement they attached just had a "squiggle" on it with no indication of date, who's signature it was or any sort of official stamp.

 

I'll scan the whole lot and post it up for all to enjoy.

 

--Update--

 

You can find them here - http://93.97.21.154:81/images/mbna_cca_response/

Edited by Essemess
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  • 1 month later...

Hi Little Lady81,

 

If you click the balck triangle with an exclamation mark in it, and leave a message for the site team they will delete it.

 

Also MBNA need to provide you with copies of the terms and condition of each time they varied the agreement i.e. they increased

the interest rate.

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HI

 

i'm inthe same posutuin with MBNA - i put the account in dispute a few months ago - i recieved much the same as you have described and mine was taken out in 2006 online also. Hadn't heard anything until a few days ago when they wrote to me staing that they believed the agreement to be enforceable and that the tick box indicated my acceptance of the agreement, t&c's.

 

I shall watch with interest and keep you informed of any developments on my part.

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Had exactly the same stuff through he post myself... Nothing with my name etc or signature on it, am still paying them the hardship money they put me on anyone know what i should do next? thought they sent me an invalid dn but i can't find it anywhere shall have to tear the house apart methinks..

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