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    • Hi all,   Could any of the site team (or experienced site membes) give me any guidance on the above defence .   I need to have it in by Friday at latest, and was hoping to submit tomorrow to make sure that its lodged in good time   Many thanks in advance x 
    • Sorry but sounds like early days if CWD and lately IDR. Been dealing with this since 2009 and still going on as well as those crazy collection agency’s in Dubai also still emailing to this day.    I set up a special email account where I have everything from CWD, IDR and all others so it’s all in one place and the laws that have been broken.  Upon discussions also with R. Sterling at detained in Dubai its also been helpful.    Currently with the FO with my complaints against the attempted collection of debt in the UK when it has not been passed through the correct channels regardless of what is in the T&C.    Personally I would not pay any ting until as people know that debt has been passed through the correct manner of courts in the UAE or indeed purchased by a UK company which then I will be happy to defend given the laws here and whT I have available.    Make sure to ask for everything when the time come all statements, extra charges terms at the time of supposed signing etc !    Listen to the team also 
    • I'm sorry the CAB have given me some terrible advice in the past, and some others on here.  Please do as Andyorch says above. do not use Moriaty's forms.  Do not fill in ANY income and Expenditure for Moriarty. They have no more right ot demand that from you than I do.
    • Why are you considering Bankruptcy...they have not even issued a court claim yet ?    Its vital you use our forms provided in the link ...not the ones Moriaty have sent you.
    • Its already statute barred in my book...the Statute of limitations is quite clear...its just that the Judge in this recent case with PRA is trying to move the goal posts for his DCA chums by stating the period of limitation begins when the creditor issues a default notice and the 14 days have elapsed...that is what he classes as the cause of action...not the fact that creditor have failed to serve a DN in over  8 years..decides to serve one now which in effect makes the statute barred limitation period since last payment 14 years.   The Limitations states that the period of six years starts with no payment or acknowledgment within 6 years from when the cause of action accrues ...accrues being the operative word...the Act does not state accrues starts from the issuance of the defect notice, .....it as always been the cause of accrues from the last missed contractual payment...thats what determines the cause of action.   But the CCA1974 states that a creditor is not entitled to enforce an agreement until a valid default notice is served...so this Judge in his wisdom has tried to fuse the two acts together...which is obviously nonsense.. he has not allowed for creditors who serve the notice late or not at all.
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banker-bashing now entered close season - Osbourne to their rescue

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Just when you thought the banking industry was at least starting to have its wild speculation to make personal profit at everyone else' expense curbed ... 'FRAID NOT ...


Finance minister George Osborne signaled in a speech in June that he wanted a "new settlement" with the financial sector, taken to mean a softening of approach and an end to so-called "banker bashing".

A few weeks later, he ousted FCA chief executive Martin Wheatley, who had warned he would "shoot first" and ask questions later as he faced fresh scandals in the sector such as the attempted rigging of Libor benchmark interest rates and currency benchmarks and the mis-selling of loan insurance.





and you thought new laws were being introduced to address the simple fact that no bankers are being prosecuted for bankrupting the world??

Britain Doesn’t Need New Laws To Tackle Corporate Corruption, Government Decides

The business minister has scrapped proposals for new corporate crime laws – because no one is being prosecuted under existing ones.



I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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Their true colours shining brightly. They know the true meaning of mates rates.


We can only hope the people make their voice heard.

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They be giving Diamond his job and knighthood back with compensation yet.


Heres apparently proof that Diamond is no 'innocent dupe'




Bob D thinks the regulators and politicians are doing a grand job, with opportunities not seen for 30 years.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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