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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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      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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Link financial. Loan or CC ?


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Hi all I was thinking of sending link a CCA for a Cap one account.

but on checking my paperwork I noticed that they have it marked as a 'Loan Agreement'

but it is a Crap one Credit Card, so do i use s77 or s78 or should I miss them out and go straight to Carp one

thanks

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Have Link bought the debt ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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The letter I got from Link states that they are now the current owner of the outstanding balance,

as of Dec 2008 Carp one assigned the balance to them under this assignment the full balance due

under this CC account is payable to Link

But all the statements sent from Link say it is a Loan Agreement

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How old is the card and are there any charges or PPI you could reclaim, how did you apply for it ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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took card out in 1998 no PPI as i always refused it

don't know about charges as no statements, defaulted in 2008 then passed to Link

was going to send CCA as found a letter from Crap One a month before it was defaulted offering a discount on the balance owing

but only offering to mark credit file as 'part settled'

I sent a letterback to them saying as they would not mark as settled then it could not be taken up and offered pro rata payments

they said they would except the payments for 6 months but then the letter from link arrived 5months later

link statements keep telling me i am in arrears with my payments,and would like the full balance, but they are all upto date

so I ignore and just send a £5 per month

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Being the old Bu**er that I am if they it's a loan on the paper

work you have you could ''politely '' inform them you have never

had a loan from Crap 1:madgrin::lol:

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I think I agree with Brig.. If they cant get even the basics of the paperwork correct..

 

Just write back and advise you have never had a loan with Capital One and you trust you wont hear from them again :)

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