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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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Cap1 & CCA return


tamadus
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Who did you?

 

 

I deny any knowledge of it (whatever it is)

 

Speak to you tomorrow Jon I can give you an update then on our last phone conversation :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Who did you?

 

Yes "I" did....didnt want my sig for all and sundry to copy :-)

 

thanks

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Well done! :-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I would assume that seeing as they had Martin Lewis quotes on there, maybe they've been advised incorrectly?

It was nice that the 'Andy' quoted in the piece re Abbey bailiffs, mentioned the CAG, wouldn't it be great for the CAG to get more exposure - I'm so fed up with Martin ' I like the publicity, and it's so cut and dried' Lewis smothering the issue with over-simplified, consumers walking around with AK47's getting their revenge, look-at-me-I'm-smiling publicity.

just my opinion ... :rolleyes:

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Agreed. We need someone to compile the various rights & duties placed upon the money lenders & send it to each of the journalists who are on our side to use as a check list before they make such statements.

 

I'm fed up emailing the Daily Mail without a response each time they make such a mistake. I think the last one was that the OFT had 'capped' charges

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I wonder if the CAG website could officially make a press release to the numerous tabloids/broadsheets to 'clarify and quantify' the reclaim procedures.

It would be wonderful publicity, but more importantly, would set the records straight about what the 'real rules' are, what the legal positions are etc.

There is so much mis-information out there, along with sharks taking upto 40% of the reclaimed amounts that consumers are hoping for... it really would empower people with the right tools for the job - offering the right support, and would get the 'public faces' of this campaign to step down or step back, and re-think their spiel.

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If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi folks,

 

I've got a Defence to one of my CCA related claims through (dont want to go into detail at the mo, MIB and all that)

 

Just looking for a quick piece of advice:

 

They have provided a CCA copy since I failed my claim (claiming they provided on time in their Defence, but I can prove otherwise)

 

When I file the AQ, can I place a reply to the defence, and if so, what form should it take? (as in, I have the content I want to reply with, but is their official statments I need to add?)

 

The document they have sent is flawed (improperly executed) - can I put the details of the errors in a reply to Defence, or do I have to rewrite my POC?

 

Thanks for any help!

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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HI

when you say improperly executed do you mean unienforceable via 127 or enforceable with a court order?

 

Regards

Petr

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Peter,

 

unfortunately the latter - or so I believe

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Agreed. We need someone to compile the various rights & duties placed upon the money lenders & send it to each of the journalists who are on our side to use as a check list before they make such statements.

 

I'm fed up emailing the Daily Mail without a response each time they make such a mistake. I think the last one was that the OFT had 'capped' charges

 

JonCris, I noticed a howler in the Daily Mail last week, somebody questioned about reclaiming charges on storecards, yes they said, but only before April 2006 when the OFT's ruling came into effect!:o

 

WHAT????

 

No, I didn't get a response to that either!!!

 

Shocking!!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I also emailed on that one without a response.

 

I know (or think) these people believe they are helping consumers but bearing in mind their readership runs into millions they are spreading a lot of misinformation

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I also emailed on that one without a response.

 

I know (or think) these people believe they are helping consumers but bearing in mind their readership runs into millions they are spreading a lot of misinformation

 

It does gall me somewhat, especially when the paper has run a concerted campaign, "Fair Play on Charges", and then goes on to print advice that is completely incorrect. I guess that we have to hope they take note of corrections, however, I doubt very much they would run to correcting in print!

 

Anyway, I digress, apologies for going off-thread!!:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Notice how they have all jumped on the bandwagon claiming it's 'their' campaign that has brought this about when in fact it's due to people like Marc & Dave

 

Absolutely!!!!!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Absolutely!!!!!:rolleyes:

 

Hi

 

A more charitable conclusion was that the idea was gathering support.

OK

Put me on the Bandwagon

 

Regards

Petr

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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There have been many pioneers - people who wouldn't lay down, now it's in the media, the whole thing has been made easier.

 

Respect goes to Marc and Dave and all of those who refused to lay down and confronted the bullies.

 

Also those who continue to do so.

 

We are fighting a big animal, our strength and ability to continue winning will come through helping each other.

 

Together we stand.

 

Tide

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I agree my only gripe is that much misinformation, almost on a weekly basis, is being expounded by our champions in the press & they completely ignore any attempt to correct them.

 

When told they can only claim charges from the point of the OFT announcement means thousands of consumers will believe such nonsense & only claim from that date.

 

It makes you wonder about the propaganda tool of misinformation. Pretend your in one camp when in fact your in another Just a thought from an old cynic

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So how long have you believed everything that is printed in the media?

 

There are a number of people who have tried to jump on this band wagon, and have gone public, only to get it wrong.

 

They may have exposed themselves to providing wrongful information, and have caused severe losses to those who choose to listen to them.

 

Sad

 

Tide

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So how long have you believed everything that is printed in the media?

 

There are a number of people who have tried to jump on this band wagon, and have gone public, only to get it wrong.

 

They may have exposed themselves to providing wrongful information, and have caused severe losses to those who choose to listen to them.

 

Sad

 

Tide

 

Tide, I agree with you, but the fact is that there are many who will agree with what is put in front of them. Only today I had contact with somebody who was adamant that their provider had given them a true copy of the agreement, absolutely adamant, turned out to be an application. The problem is that we are so used to accepting what the "authorities" say to us that when they say jump, we ask "how high" and to be honest, if you haven't got the wherewithal to question things (and many haven't, either through fear or ignorance) you are in for the high jump!

 

I guess what I am trying to say is that I wish the media would report issues correctly, especially in this instance as that one lazy quote in the Daily Mail would have saved the banks millions!!!

 

Regards,

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Without any disrespect, the common layperson reading a newspaper and seing this misinformation, would probably think 'I've been Scr**ed by the bank for so long, I've got an overdraft which I can barely afford, and I read this in the paper - I'd be better off just dealing with it. I haven't got the time or energy to fight the might of the banks...'

Or 'I've heard that they can close your account, demand back your overdraft or loan, or take you to court - I'm not opening myself up for any of that'.

 

It really would take a half page ad to explain the steps, common scenarios, the misinformation usually threatened or received in response from the banks, and the probable outcomes. I think if any newspaper were bold enough to run with that, the banks would feel the pinch overnight. Surely the public outcry would force the OFT/FOS to step in?

 

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thanks

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