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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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Overpaid housing benefit repayment offer refused....help!


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I'll try and keep this as brief as possible. From 2007 to 2010 I was a full time uni student on a fixed bursary with two dependant children and a single mother. I applied for housing benefit and an official came to the house to complete the claim paperwork.

 

I cant remember the exact figures but it meant that I had to pay roughly half the rent and the rest was housing benefit. About 12 months later I was told my rent account was significantly in credit because housing benefit had been increased, when I contacted them I was told the figures were correct so I adjusted the amount of rent I was paying accordingly.

 

During the 3 years my child tax credits increased only due to inflation as did my rent and my personal circumstances never changed. At the end of my course in October 2010 I contacted housing benefit to report a change in circumstances and they came back to me saying I had been overpaid housing benefit. Initially I was told it was about £700 but they accepted this was likely to be their error and they were looking into it.

 

A few weeks later they told me that in fact it was about £2000. Again I was told not to panic as "most" of it was probably their error. The final figure they arrived at was just over £5000! To say I am horrified is an understatement! For the past 2 years I have argued the fact that this is their mistake and have written 2 letters of appeal which they have "lost" on both occasions.

 

The case has also been passed around to different people so it was hard to keep track of who I was dealing with and I was constantly having to repeat myself. A few weeks ago I received a letter saying that the council had taken the case to court and I had been found liable. If I had known it was going to court I would of liked to of had the opportunity to put my side to the judge.

 

I have now been told I have to pay even though I dispute it. I was told to write them an income and expenditure and make an offer of payment. At the moment although I am managing to pay my bills I have some big expenses that are looming, car is due its MOT and I know it needs a lot of work doing. My son will be starting college soon and I need to buy equipment which will set me back nearly £300. The house is in a poor decorative state. My son has shot up in height and desperately needs new clothes etc. Anyway im waffling so I'll get to it.

 

I made an offer of £20 per month and wrote a covering letter explaining my present circumstances and asked that they accept this nominal offer for 12 months and then look at it again when im hoping my circumstances would be improved. They have declined this offer and are demanding £50 per month for 6 months then £60 per month for 6 months and then they will look at it again! Its almost like they havent even bothered to read my letter properly. What do I do next?

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This doesn't sound very fair at all.

 

Most of the people who would be advising on this type of thing will just be getting home from their day jobs and will almost certainly pop in and advise later on today.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you received any notice from the Court to say that you have to pay what is being requested ?

 

If not, then you must ask the Council for a copy of the paperwork. If the court has ordered you to make certain payments, then you will be able to submit a variation request. But you need to see that paperwork from the court. If they council wont provide it. Ask what court issued the order, and contact them direct for copies of the paperwork.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The letter came from the court stating I was liable for the amount. Received another letter from the council yesterday saying they had applied back to the court of an attachment of earnings order! Thats another £100 added to the cost! Im fast running out of options here. Is there anyway to halt this?

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