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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London mayor candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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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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Coyle White Devine going to Court over UAE Bank Loan 'debt'


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Hi All

 

Left UAE in early 2012.

Had a loan with a bank and intended to carry on paying the repayments after I got back.

 

Made one payment and then got a frantic call from the bank.

They were very concerned that I had left the UAE as advised by my UAE ex-employer.

 

They demanded full settlement and

when I explained this was impossible,

they said they would discuss internally and get back to me

 

I made a payment of the next instalment and went on line the next day to check the credit had gone into my UAE account from the UK bank.

 

The UAE bank account on line access was denied and I was unable to confirm if received etc.

Money left UK bank no problem, but no idea if received, so decided to wait for the UAE bank to contact me again.

 

No contact for 2 and half years until

 

a letter from Coyle White Devine which I know others have received, now demanding full settlement at least twice the original amount

 

Not sure what to do now.

 

Do I wait for the SD to arrive and have it set aside?

 

Do I contact CWD now via email and try and set up a repayment plan?

 

Any thoughts much appreciated

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I think you should write back to Coyle White Devine asking for proof that they been instructed to act for the UAE bank.

i.e Something from the UAE bank confirming that they have passed it to CWD.

 

 

Also I would suggest that you ask for an up to date statement of account to be provided by the UAE bank,

together with a copy of the terms and conditions for the account.

Send the letter by recorded delivery.

 

Don't mention anything about owing the debt or making payments at this stage.

 

A lot of threats get made by these firms representing UAE banks, but of course you can defend any actions they look to take in UK courts

and if necessary agree payments.

 

 

You should not look to enter into any agreement or make payments,

until you have sent the letter as advised and have received the information.

We could do with some help from you.

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. . . and head your letter "This is not an acknowledgment of any debt."

Do not rush into anything so rash as a payment plan at this stage, particularly if the amount has almost doubled since you set sail from the Gulf.

And stay clear of all GCC countries or you could well find yourself in the clink. Don't even transit an airport.

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Thank you for the advice, much appreciated.

 

Do I really need a recorded letter, as I have email contact for them which would be quicker.

 

Really want to move this forward quickly if possible

 

They have also sent the same letter to the address I lived in with my ex-wife.

 

We split 8 years ago.

 

She is not best pleased!!

 

How can I stop them writing to me at my old address?

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No, recorded isn't mandatory.

 

 

Some prefer to use it as an extra security whilst others are content just to obtain free proof of posting slip from post office.

 

They sent to your ex in case they couldn't nail you down at your own address or possibly to raise the stakes,

in which they appear to have succeeded.

 

 

They should stop if you add a sentence to your letter to that effect,

 

 

particularly as you will have acknowledged their initial overture from your proper address.

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Thank you for the response.

I have read numerous threads on CWD actions, but not seen how others have fared in dealing with SD's etc.

I believe CWD cannot turn down a reasonable repayment plan, when it comes to it.

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Thread moved to the appropriate forum

 

Regards

 

Andy

We could do with some help from you.

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Thank you for the response. I have read numerous threads on CWD actions, but not seen how others have fared in dealing with SD's etc. I believe CWD cannot turn down a reasonable repayment plan, when it comes to it.

 

You should make sure you have evidence of sending the letter, as it may come in handy if this every went to court. Judges apparently like seeing that debtors have been in contact with those chasing a debt, making reasonable requests, negotiating etc.

 

The FCA published some rules on the use of SD's in Apirl 2014, which basically stated that bankruptcy should not be used as the first option to enforce a debt, if there are other ways available. There is nothing to stop a UAE creditor going to a UK county court to make a normal court claim.

 

If you do receive an SD, get some advice, as many of these contain errors and are easily challenged. If you search online, there are Solicitors out there who will sometimes take cases on a no win no fee basis to challenge SD's. as they can earn their costs from the creditors Solicitors without much effort.

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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thanks for the advice. if it goes anywhere it will probably end up with a repayment plan. But before that a way to go with getting infor from CWD on assignment debt detail etc.

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As you've noticed ppl often come on here and other forums for help regarding C W D and U A E

but there never seems to be a tail to their tales.

 

 

It is extremely frustrating to anyone in your position as there are conflicting reports about many issues

such as jurisdiction and it's very hard to find completed case studies.

 

You would be helping many others if you were to keep us abreast of developments and the outcome.

 

C W D's letters are absolute crackers.

 

legal500.com provides a pretty good guide to solicitors' performance / reputation over a range of specialities

but I'm not sure if it includes international personal debt, which is a small niche field.

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  • 2 months later...

Wrote to CWD in late July asking for copies of the application etc.

 

 

To date I have received no response at all.

 

 

Only comment they made was that they are acting on behalf of the Dubai bank and have not been assigned the debt

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Hi Nix - Can I ask you to paste your copy of agreement template letter for CWD?

 

I need to send one too urgently.....thank you :0

 

A letter asking for information will not be seen as admitting to a debt. It only needs to be simple. e.g Please arrange to supply me with a copy of any agreement that you believe existd between myself and x bank. Also please supply a copy of the full terms and conditions that relate to the account and copies of all statements of account to evidence that any debt exists.

We could do with some help from you.

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All of the posts in connection with layercake's situation have been moved to his own thread which is

 

HERE

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