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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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Warrant applied for please help CANCELLED


kilkenny
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No expert on this but googled the information you gave...... try looking at these links

 

http://www.legislation.gov.uk/ukpga/2010/28/notes/contents

 

 

 

Hope that helps and that some caggers come along that can help further.

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Hi - we went to court on thursday the judge said he had no power over the FSA as they are the regulatory authority. The lender has now got to apply back to the FSA to get permission to come to Court to fight us - I will update as the case goes along so as to help other caggers.

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That's great news Kilkenny, I know how complex your case is and the stress the lender has subjected you to. It's also important to note that the judge knew exactly what to do (some of the old duffers have no idea when cases aren't following the "normal" course). It's clear the FSA wouldn't have placed a restriction on the lender for no reason - hopefully you get the win you deserve in the end.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 1 year later...

I am being threatened with bankruptcy for a mortgage shortfall if I am declared bankrupt I will lose my job. Are there any alternatives. Having just started life again after repossession am worried sick that if made bankrupt and then lose job once again will lose my home because can't afford rent - can anyone offer me any advice

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Thanks and I am trying but even though they know i have no assets they will do it anyway they are a company who we reported to the fsa and the fsa subsequenlty banned them - still they carry on after selling our home they now say we owe them £325,000 and rising.

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Hi I am not an expert but have had some similar experience we had our home repossesed and large debt to mortgage company around 100k.

You mention reposession and they have sold your home so you must be renting somewhere. We wrote to them after many letters disputing the figures the interest charges asking for these to be taken off ! and due to our low income and inability to pay we completed a form which clearly demonstrated we had no available income to pay them . In fact we discovered we are minus each month as we struggle to budget. You will find the same you can ONLY pay what you can afford and that will be neglible and writ

if you do not own the place you are living in and only rent and have no assets Remember that you are entitled to LIVE i.e. pay rent and bills food shopping smoke even buy a lottery ticket ! and a beer and more as a Human Right !.

By writing to them and demonstrating your willingness to pay but cannot pay they will have no choice. I would write to them saying willing to pay but don,t have it or only a very small amount . This should prevent them going for bankruptcy ! I THINK !

Bankruptcy means they DO NOT GET PAID ! so they would not really want that.

We did it and they then set aside the debt until such time that we can pay the debt (which we don,t see ever being possible).

Although in our case with other debts appearing we are now seriously looking at Bankruptcy so as to get rid of these debts .

Please wait for some good experienced messages from others this is just a personal message but based on my experience.

Hang IN There !

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Thanks and I am trying but even though they know i have no assets they will do it anyway they are a company who we reported to the fsa and the fsa subsequenlty banned them - still they carry on after selling our home they now say we owe them £325,000 and rising.

 

So they are no longer regulated? Doesn't that mean that they can no longer undertake their work?

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