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    • He is still trading.   I won't get anything out of it, no.  But is that the point?  Not charging it means the Govt misses out on important revenue 
    • for whatever reason, if you did not get the original PCN on the car/by hand nor in the post before things escalated you need to appeal using the correct forms, not a soft appeal to the issuing council Which forms to use for which offence pe2/3 & te7/9 - Local Authority Parking and Traffic Offences - Consumer Action Group  
    • as this situation has now come up again for you, how confident are you that if you get on the straight and narrow with having a respite of 60days (Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk)... would you then be able to resume ok? if not quite honestly, the very best thing you can do is to get ALL your debts defaulted by the issuance of and the registering of a Default Notice from each creditor. this is done by stopping ALL PAYMENTS, it wont hurt you short term, esp as all the debts are still with the Original Creditors. this of course will kill credit for 6yrs, but, will cause the debts to vanish from your file (paid or not, paying or not) on the DN's 6th B'day, but of course that wont mean the debts are not still owed, legally, just your file will be clear of them all. if you read a good 10-20 of the stories in this very same forum you found to start yours, you'll soon get the idea behind the advice given. as for things like IVA/BK etc NEVER EVER do those, that secures unsecured debt. just contact one of the free DMP providers and get breathing space implemented, that gives you a 60 day buffer to firm up your future actions. but DO NOT enter into a DMP, do one yourself. they can be a bit pushy, but simply insist you just want breathing space invoked, i would only be giving them enough info to achieve BS too, don't give them anything you don't need too, they are funded by the banks and debt collectors and can sometimes be over intrusive and nosy wanting info that is better not revealed. dx    
    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dubai Debt Help


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Could you post the full email headers please. I have a nagging feeling I know whats up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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from: Ixxxxl, Lxxxxa to: xxxxxxxxxxxx

date: Sat, Sep 6, 2013 at 7:56 AMsubject: RE: CITIBANKmailed-by: citi.com

I don't want to show her full email or she will probably start getting harassed :whoo:

 

Could you post the full email headers please. I have a nagging feeling I know whats up.
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The Federal Courts of Dubai;

1. The Court of first instance: (primary litigation).

 

2.Court of Appeal (2nd Level of litigation).

 

3. Court of Cassation: (Final and Highest arbiter).

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

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I mean the full headers that show routing too. If it isnt genuine it will show it has been routed or masked. The part you quoted is one of the parts they can change.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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The Section 188 that I found was dealing with fraudulent activity by a Director of a major company, as you were apparently (from your first post) an investor or shareholder this law would not apply.

 

I think you have been caught by the many spam emails going around at the moment - including one from somebody who claims to be from the 'Full and Final' resolution department of the same bank you are dealing with offering £100 per £1000 owed to clear your debt with them.

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The Federal Courts of Dubai;

1. The Court of first instance: (primary litigation).

 

2.Court of Appeal (2nd Level of litigation).

 

3. Court of Cassation: (Final and Highest arbiter).

 

Brig these are not federal courts they are all state courts. The UAE is a federation of seven states which all have their own laws, as well as federal laws passed by the federal government in Abu Dhabi. Dubai is just one state in the federation. Much like in the USA the state court system and federal court system are separate.

 

Generally speaking, if you wanted to bring a claim under Dubai law you would use the Dubai court system. But a federal claim would have to go to the federal court in Abu Dhabi (Abu Dhabi has two court systems: the local system covering Abu Dhabi, and the federal courthouse covering the whole UAE).

 

There is no reason why a Brit would know this, especially as we don't have any distinction between state courts and federal courts ... but Citibank UAE should know the difference.

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I'm no tech, how do I get the headers with routing I formation?

 

I mean the full headers that show routing too. If it isnt genuine it will show it has been routed or masked. The part you quoted is one of the parts they can change.
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Let me try and clarify something... This email is not fake or a [problem] it's definitely from citi bank and one of their staff, i have been in contact for the passed 8 months with the same contact... From living in dubai 8 years myself and recognising the girls surname she is from the Philippines and is probably why her English isn't great... Slave labor in Dubai is everywhere even banks prefer to employ cheap labor ( from Asia) to save on cost... I'm speaking to a mule, I'm not speaking with someone who takes decisions on it...

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Yes, my day is so uneventful I spent the whole day making up this story... I don't care if u believe me or not... Anyway if u don't believe me, why bother commenting at all

 

Dell1981, I still find it hard to believe your story, if this has been going on for 8 months then you really should seek further professional advice rather than generic advice given on here.
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I comment because I care about people who are stuck in impossible situations when dealing with big faceless corporations, or smaller, more organised 'hidden' problems (like the Payday loan area).

 

This site is a self help forum and you seem to be seeking professional help for a problem.

 

If it is genuine then I apologise for my suspicious nature getting the better of me.

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If you read the whole thread you will see the last 8 months I haven't been in a position to pay. Now I am I'm looking for guidance and advice (last time I checked guidance and advice means just that)... Plus I said come Monday I will be meeting with a solicitor for professional advice.... Anyway looks like u only read half the thread. Firstly, welcome and if u have any good advice or guidance then feel free to share

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I left before the **** hit the fan, excuse the expression. I still had my passport and still do, just now I'm not sure if it has a big red flag against it

 

Is there any suggestion that you were party to a criminal enterprise, rather than a victim ?

We could do with some help from you.

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I think you are getting 'your nickers in a twist' here, (excuse the expression). All I see is you had a bank loan and have stopped paying. What all the other rubbish is about I have no idea, all you have to do now is write by recorded delivery, a letter to the bank, either in England or the country you are in at the moment, and quote your account number and sort code from Dubai and tell them you will be making all future payments to them.

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Conniff, my nickers have been in a twist for a few months now, who have u been speaking to?

I think you are getting 'your nickers in a twist' here, (excuse the expression). All I see is you had a bank loan and have stopped paying. What all the other rubbish is about I have no idea, all you have to do now is write by recorded delivery, a letter to the bank, either in England or the country you are in at the moment, and quote your account number and sort code from Dubai and tell them you will be making all future payments to them.
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Criminal enterprise, that's a new one...

 

"I invested in a gold mining company which turned out to me a huge global [problem].

 

Unfortunately, I was tied into this [problem] for a few months before it went bad, I thought it had potential so took a loan to increase my share amount "

 

The reason I ask about criminal enterprise, is that you mentioned money was borrowed for investment purposes. I don't know what investigations Citibank have made with Dubai authorities, but given the amount involved, I would think that they would be considering whether you were party to a criminal enterprise, rather than just a victim.

 

Just a suspicion based on what information has been posted to this thread.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Sorry unclebulgaria67, I misunderstood... I see what you mean now. The total debt that I owe is split between 3 lenders. Citi are only chasing for a credit card debt which is a fraction of what I owe that totals in the region of 100,000 Sterling.

 

The loan I used for this investment was from one of the other lenders not Citi. To be honest the bank that I had the loan with for the investment have been respectfully quiet, no threats and only one email from a 3rd party debt company (the same Citi bank use) I think I recall the name as bilkash or something similar...

 

"I invested in a gold mining company which turned out to me a huge global [problem].

 

Unfortunately, I was tied into this [problem] for a few months before it went bad, I thought it had potential so took a loan to increase my share amount "

 

The reason I ask about criminal enterprise, is that you mentioned money was borrowed for investment purposes. I don't know what investigations Citibank have made with Dubai authorities, but given the amount involved, I would think that they would be considering whether you were party to a criminal enterprise, rather than just a victim.

 

Just a suspicion based on what information has been posted to this thread.

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