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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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Db mortgaes problems any suggestions please


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I have had mortgage debts for a while. I have had some bad luck with jobs and health redundacy etc.

I have tried to keep DB informed. They insited I call them by telephone.

I have tried to make payments only small by chq to show willing. I have written also to inform them of circumstances.

I told them several times i did not wish any one to visit.

I told them lats week i have a new job and will be in touch with contract copy and payment offer.

Yesterday a man turned up on their behalf.

I am ubder a lot of stress, i have health problems, that they are aware of.

They have treated me badly in the past and I am now unwilling to comunicate by phone.

 

Do I have the right to refuse the visit

if i make a sensible offer to pay and it goes to court( i already have a suspended repossesion) will the court see that i have nerver refused to pay and wanted to clear debts.

Do i have to make payment by phone

Thank you.

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I suggest that you start reading this article http://www.consumeractiongroup.co.uk/forum/content.php?700-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct which includes details of fines imposed on your lender.

make sure that you follow the other links through to the FSA decisions. You will find the issue of visits dealt with there. Basically – you can object of visits.

 

Is any of your arrears made up of charges? Once again look at the article, follow the links to the decisions and you will see that excessive mortgage arrears charges are unlawful and that your lender and others have been fined for it.

Excessive mortgage arrears charges means any charge that is set higher than the actual administrative losses incurred.

 

If any of your arrears is made up of these unlawful charges, then you should start making a complaint immediately and also consider going to court.

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Then you should start the process to reclaiming them :)

 

You have the right to insist that all future dealings are in writing. That way you will have a paper trail. Almost certainly they will say things to you on the phone that they wouldnt dare put on paper.

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The only thing I would add is that if there is already a suspended PO on your property, they don't need to go to court, they can execute the warrant without notice.

 

It wouldn't mean it was all over for you - if your circumstances have changed, as you indicate (new job), then you will be in a good position to apply for a stay of the eviction.

 

Put your payment proposal in writing and start paying according to the proposal, do not miss or skip payments, make them on time. You must pay the CMI plus something towards the arrears. If they do execute the warrant, you will be able to show the court that you did your best to arrange a suitable repayment plan with them.

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