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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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Roxburghe.. Shoosmith.. Natwest..


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Guest fiveaside

Hey all, hope all is well with yourselves. Call's have started up again - one tonight.. you must call us by 8pm - it is extremely urgent. I've been receiving text messages from them as well still..

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  • 2 months later...

Hi all,fiveaside here.. sorry I haven't replied in a while.. on a different user name as well ( long story ). Incessant calls from Roxburghe, and towards the end of the week..and text messages that end with this icon :???: ? and phone calls from Graham White Solicitors. I have ignored the phone calls thus far.. I have nothing to say to the scumbags! I'll send them a letter this week reminding them I reported them for harassment a few months back and requested communication, should it need to be made, should be done via letter. I can't see that the law has changed, or a test case has failed. I have nothing but contempt for these people...does anyone else have more guidance ?

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Do you have copies of all the letters you have sent to Rox, Graham White and Nat West about the harassment?

 

You are vigorously disputing this therefore they should not be contacting you. Contact trading standards via Consumer Direct and report them also the OFT. Nat West need to be reported also as they have appointed these idiots. You may also be able to make a non urgent complaint to the police, which they will have to log

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Hi, so now I am getting text messages from Capquest?? who are they, does anyone know how they differ from Roxburghe...I haven't had chance to send harassment letters etc this week, but now I have Capquest chasing me.. seriously this is beginning to get me down now!:sad:

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Crapquest? what has it got to do with them unless NW have passed it to them. Wait till they write to you. Could it be about something else??

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Hi, it could only be about that to be honest.. another complaint letter I think to Natwest once the letter arrives.. a letter about harassment as well..I was just worried that this lot are the type that turn up on the doorstep?

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No I don't think anyone will turn up. If they do or threaten this, there is a letter you can hand them or send to them and just shut the door.

 

If NW have passed this to another DCA, they must be getting desperate but CQ should be easily dispatched

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sorry to bore all, but this is a good way to vent some frustration.. 3 texts and 2 phone calls in 2 days.. going to get their numbers blocks or phone number changed.. they have a strongly worded letter coming their way.. does anyone have any suggestions as to the format? should I use something similar to one's earlier on in this thread? thank you so much for your assistance everyone.

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From CrapQuest I presume? If you happen to speak to them, just tell them to put their business in writing and not to phone you.

 

You can send them a 'bemused ' letter to the managing director, complaining that you are receiving calls and texts from them and have no idea why they are trying to contact you, don't mention Nat West. Request that they refrain from contacting you by phone and to contact you in writing only. Ask for a copy of their formal complaints procedure and tell them they are being reported to OFT and trading standards.

 

Report this to OFT as Crap are under a warning from them anyway

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Letter just received from Cra*quest..

 

We have been appointed by our client Gnatwest

 

Our client hs instructed us to consider litigation if no satisfactory response is received.

 

This firm together with out solicitors will endeavour to help and assist you in anyway possible to clear your debt with the need for legal action.

 

We are undertaking various checks and validations to expidite legal proceedings. Checks will be made on property ownership through checking of Land Registry Office and validation of employment details.

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This is disgraceful behaviour....it seems when one goes away another one disappears on the scene. This has been disputed for a long time. You have several bona fide issues here wihich I would state are major disputes. I think you should report them to the OFT and get your MP involved, how many more are going to contact you !!!???

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Bloody cheek, hit them with previous correspondence outlining that the account is in dispute and mention that their actions and those of Nat West are contravening OFT guidelines

 

Mention this recent court case to them i.e I wish to refer you to the recent ruling in the case of Harrison V Link etc. regarding harassment

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296878-High-Court-Judge-says-MBNA-Link-Financial-quot-tortured-quot-a-customer&p=3322506#post3322506

 

report Crap and Nat West to OFT

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Edit to suit.....

 

FINAL RESPONSE

 

Dear Sirs,

 

I write in response to your letter dated XXXXX

 

Your letter is incorrect and frivolous, you are fully aware of legally valid reasons why no payment has been made on this account, namely that the agreement which underpins this account has not been supplied despite a perfectly valid request and furthermore. it is suggested that notwithstanding the failure to supply a copy, the agreement itself is improperly executed, devoid of all prescribed terms and deficient in respect of detail relating to APR, total charge for credit and statements of rights ,remedies and protections as required by schedules 1,2 and 6 Consumer Credit Agreements Regulations 1983

 

Therefore the agreement as outlined in section 65 (1) Consumer Credit Act must be laid before the court to be granted an enforcement order before any further action can be taken

 

It is my view that the court would not grant such an order due to the deficiencies that I have outlined within the agreement, further more this has already been raised with (names of previous DCA
link3.gif
's / Bank here) yet I note they have still assigned the account over to yourselves and the absence of any documents disproving my points itself speaks volumes

 

Therefore, I would indeed welcome the opportunity to place this before the court. furthermore should you proceed with the threats to issue a statutory demand or a court claim I will make an immediate application to have it
set aside
for the grounds outlined above, also I shall refer the judge to this letter when the matter of costs falls due.

 

You should also know that the original creditor has not addressed the issue of missold PPI which forms a significant part of this agreement.

 

As this has been an ongoing 'saga' with a number of debt collection agencies, I will be taking up this issue with your local trading standards office, my MP and the Office Of Fair Trading. The evident lack of commuication displayed here is both unprofessional and is clearly in breach of not only CPUTR2008 but also harrassment laws too.

 

I trust this outlines my position clearly enough for you

 

Yours faithfully...

 

(You could also add -

 

I am a great advocate of recycling and have enclosed your previous correspondence for your recycling operation -
Paper recycling - Wikipedia, the free encyclopedia
- This site gives some useful information for your company's recycling effort

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