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    • Hello,   Apologies as I know this topic has been done to death but I find myself in a situation I can't seem to find another example of?   Around 12 months ago, Moriarty Law contacted me about a supposed debt relating to my ADCB current account in Dubai. Nearly all current accounts come with an attached credit card (turns out they don't but one of the pages in the initial application that you're asked to sign is actually for opening a CC.... I know, should have been more studious with reading).   Thanks to this forum, last year I downloaded the "Prove It" letter and sent to Moriarty. After hearing nothing at all for 11 and a half of those months, yesterday a big parcel arrived containing the pages from the original account opening app with my signature all over it, a copy of my passport and residency visa from that time and bank statements for the whole 5 years I had the current account with ADCB.   Looking at the amount owed, it translated to around GBP5,000 at such time as ADCB passed it to ML and now they have inflated it to GBP10,000 using a combination of mystery charges and a made-up exchange rate between AED/GBP.   I'm wondering what my next move should be as others seeking help from this forum usually see a Prove It letter to be enough to shoo the DCA away. Sadly in my case, there's 3kg of paper on my desk that very much proves it.   Also I'm a director of a UK Ltd company now so would like to avoid anything that may sully that.   Any advice gratefully received, thanks very much!  
    • Will this now get allocated a court date as CLI have exhibited evidence? Or will the court review the evidence first? 🙄
    • Hi Lutz,   Go ahead with the new account.   As I said already, the bank will probably do and say nothing to help you for the next few weeks so make whatever other arrangements you can.
    • I don't think that you have told us when you bought the car. However, you have referred to a conversation in which they apparently told you that the MOT had been carried out on 11 November so that suggests to me that you bought it after that date. Although it seems as if you are dealing with quite a dodgy crowd, you may as well go through the paces of asserting your proper rights. Because you have discovered this issue within the first 30 days – you can add to the strength of your position by sending them a letter asserting a right to reject the vehicle under the consumer rights act. If a car manifests a defect within the first 30 days then you are entitled to reject it out of hand with no chance of repair but you must assert your right in writing. Send them a letter immediately – recorded delivery – informing them that you are rejecting the vehicle and telling them on what grounds and say that you are asserting your rights under the consumer rights act. It won't make a whole lot of difference, but later on if you find yourself having to take court action, then it will all help. Please let us know when you have had the AA check. Meanwhile, I suggest that you contact me at our admin email address and let me know the identity of the garage and any other identity clues that you have unearthed. It may enable us to give you additional help
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ScottishPower DD Adjustment


Hello all, i was wondering if someone could give me some advice before i approach scottish power with the issue.


I have been with scottish power for a few years now,

and recently moved house on the 3 february,


the property was with e.on and we took scottish power with us,


when i called to transfer my account i told the women that i couldn't afford anything above a £65 DD a month

and she assured me that in the last two years my dual fuel consumption worked out at £55 a month when broken down throughout the year,

and she also said that as we were moving from a house to a flat then the monthly price would definitely not go anywhere above that figure,


my direct debit was worked out at £51 per month and she again assured me that as the usage goes up at winter

and drops in summer then there would be no need for it to be increased as it evens out throughout the year.


so after submitting meter readings i get this email...


"Your monthly payment


Your new monthly payment is £86.00.


We'll start to collect this by Direct Debit from 01 August 2013 and on the same date every month after that unless we notify you otherwise.


There's no need for you to take any action, but if you have any questions about your payment amount, you should contact us at least five working days before it's due."


also as the account was switched from e.on to scottish power the energy calculation is for a few weeks more than a standard quarter

and the electricity and the gas was switched at different times, so im confused as to how the can calculate such an increase.


I will contact scottish power for a break down and see what exactly is going on but if someone could give me some advice that would be greatly appreciated.



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I moved from Scottish power when they keep upping my DD and they owed me more than £300 at the end of the year.



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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we have SP onboard here


I will alert them for you.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Same as us, been with scottish ages, moved to wales, carried on with them, account was in credit but still they tried upping it

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Oh i should say that now we put a reading in each week and pay litteraly what we have used by Debit Card each month, so far have not had to pay more than we were paying by DD so how they can justify an increase is beyond me, this way they cannot stockpile the cash themselves to further boost their sky high profits!

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Hello I have sent my email as requested and haven't any reply or acknowledgement from Scottish power? Is there anything that can be done?



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Hello I have sent my email as requested and haven't any reply or acknowledgement from Scottish power? Is there anything that can be done?




Hi Tenant87,


Hopefully the Scottish Power Rep will pick this up today, I've sent them a pm.


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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