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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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no job, no money...but what do i tell the banks?!?


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Ok. Sorry for confusing you. I want to know what is your solution about your problem?Thanks in advance.

 

Regards, Dave

 

Dave

 

You never confused me, as your comments never made sense! ( I want to know what is your solution about your problem ) still very vague, however I and the fellow Cagers have many solutions to many problems, maybe you could start your own THREAD with your specific question.

 

Mr W

Regards..Mr Worried :)

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  • 2 years later...

A long story, but I lost my job around easter 2011 and since then have really been struggling. In the last 3 months, I have got on my feet and working shifts and doing my own trading which is building I have started to get back on my feet.

 

However, I have received a notice of warrant of execution, thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?376297-48-hour-Notice-Of-Warrant-Of-Execution I now realise that I have a lot more work to do and I am really worried about losing everything!

 

I have always paid the mortgage and utility bills but I have other debts that have been neglected, I am in the process of getting my credit score and finding out how to fix it.

 

card 7000

card 7000

card 7500

loan 15000

card 1000

overdraft 1500

card 500

loan 1200

NR 30000 (added to mortgage)

 

When I lost my job, I stupidly signed up a company that were going to manage my debts using PPI and badly executed agreements. However like all things that seem to good to be true, nothing really happened and with me leaving things I have made it worse. On top of this, the costs have spiraled so where a debt was 500, it is now 1400 - I had asked lenders to freeze interest but they are in business and obviously need to make money.

 

Im not sure what I should do first so if anyone has any advice or can give me links to the best place to start reading then please do.

 

I dont have a magic wand to pay it all off (i wish) and im finding it hard to spare more than 50 a week at the moment, sometimes a bit more, other times less. Im not looking to avoid this, its my mess and I need to sort it out but I think that there is a more intelligent way to handle this than jumping to the lendors tune and id really appreciate any help from those that have been there and come through it in one piece.

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Hi, have seen your other thread, all the debts you have listed need to be handled seperately.

The first card debt £7000.00 is this defaulted, is it being chased by a DCA?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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The debt in the other tread being chased is actually the 500 card that is now circa 1400.

 

Do I need to get a credit file to find out if defaulted? Sorry that this is basic question but this is all quite new to me.

No problems if you don't ask it will take longer to solve the problem.

 

Yes check credit files Experian (Credit Expert) and Equifax have 30 day free trials, Noddle (Call Credit) is free always but is not always upto date imo.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I have my credit report from Equifax and I will make a separate thread for each one, its a bleak picture which some other court action, a ccj and charging orders which I didnt know about. Is there a forum section I should use or just this one for now?

 

Im am reading through this site (which is great) and it seems that people in my situation or similar are generally advised to send an SAR request to each of the original debtors, is this a good start?

 

Furthermore, can someone explain for show me where it has been explained about whether or not debts have been acknowledged?

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This one is ok here.

 

The OFT Guidance states '' a relevant acknowledgment is made by the debtor (or his representative) by making a payment to the debt or an unequivocal written acknowledgment that a liability subsisits''.

 

So telephone calls, requests for information (CCA Requests/SARs), ''general debt collection'' letters from a creditor/DCA to the debtor do not amount to ''contact'' being made as stated in the OFT Guidance.

 

Statute barred = No payment or unequivocal written acknowledgment made to the debt in 6 (5 in Scotland) clear years.

 

Defaults = are removed from all credit files on the 6th anniversary of the default PAID or NOT, as the default date can be 5 to 6 months AFTER the '' last payment''

some accounts could be statute barred before the ''life'' of the default expires if the conditions above have been met.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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