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    • Hi,   Been reading this forum lately as received emails from IDRWW representing a UAE bank (First Abu Dhabi Bank). Lost job in UAE last year and fled as had considerable debts (>400k AED) and didn't want to go to jail.   Thing is I do not have the cash to pay, I own no assets or property and I am currently living in Australia. Got caught up in the Dubai lifestyle and fully intended on repaying before I lost my job. I was out of work for nearly a year and my new job leaves very little disposable income due to the high cost of living in Australia.   I have never lived in the UK, worked in the UK and I'm not a UK national. I'm an EU national.   Can IDRWW/CWD do anything considering I live in Australia? Would a UK bankruptcy clear these debts?   Thanks,  
    • The French luxury brand will pay less to buy the US jeweller, ending a bitter dispute over the deal. View the full article
    • I’ve given them a 7 day warning to respond to me then I will go from there.  So you are saying, pay the courier and get the chair sorted, then start a claim? my worry is also that they won’t send me a new chair until receipt of the current. I’m kinda leaving myself open to no chair at all with their track record!
    • Uncle, Thank you, It looks like the EEO will be my best option if I can't use a third-party debt order. The EEO is still OK until Brexit is finalised (after that is unknown) but as long as I start it before year end I believe I am fine as anything started can conclude.   This brings me back to my previous question though, my judgment is against budgetair.co.uk but their parent company in Amsterdam is Travix International B.V   I believe the cost is only the cost of a writ at £66 but would the EEO be issued against Budgetair.co.uk and therefore not enforceable against Travix International B.V?  Or will I get the option to update the defendant as: "Travix International B.V (trading in the UK as BudgetAir.co.uk)"
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Thank you that's really useful.

 

Everyone on here is far more helpful than a certain other famous forum site

 

If I get some refund money ill definitely give a good donation.... And if I don't it'll be a smaller one.

I appreciate all the advice.

 

Cant get to grips with editing posts on my phone lol

 

Couldn't tell the difference. :loco:

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new update....

 

Payday UK ....... investigating my complaint (8 weeks)

Payday Express...... investigating my complaint (8 weeks)

 

and as before

 

Wonga ..... investigating my complaint (8weeks)

Sunny .... investigating my complaint (8weeks)

Quickquid .... Say they have done nothing wrong, all checks done... No Refund.

 

Pounds to Pocket .... Say they have done nothing wrong, all checks done... No Refund. BUT i havent even contacted them yet, must be mind readers lol.

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just signed up to Noddel to see what credit searches were done, but it only goes back 2 years, is this the same for the other credit file companies?

 

Strange? NODDLE go back up to 6 years with me and include addresses going back 12/13 years however, there is another free company, Clearscore

 

https://www.clearscore.com/

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Strange? NODDLE go back up to 6 years with me and include addresses going back 12/13 years however, there is another free company, Clearscore

 

https://www.clearscore.com/

 

They keep info for 6 years but searches go off between 1 and 2 years,

 

We could do with some help from you.

 

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is this the same for all credit search sites?

 

On Noddel in the closed accounts section it shows closed accounts back to 01 Jan 2010 up to present day....... only 4 PD lenders appear there though.

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right as im sitting back and waiting for final responses from nearly everyone, i wondered should i start my Financial Ombudsman complaints against QuickQuid and Pounds To Pocket now or wait until all 9 payday companies have given me a final response?

 

if so any advice on what to put on the forms and what documentation to send with it? ie bank statements ? just my bank statements for the period comes to 104 pages...... thats alot of copying lol.

 

thanks

 

Burke

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right as im sitting back and waiting for final responses from nearly everyone, i wondered should i start my Financial Ombudsman complaints against QuickQuid and Pounds To Pocket now or wait until all 9 payday companies have given me a final response?

 

if so any advice on what to put on the forms and what documentation to send with it? ie bank statements ? just my bank statements for the period comes to 104 pages...... thats alot of copying lol.

 

thanks

 

Burke

 

They will be 9 separate complaints... Refer to the FOS at your leisure.

 

We could do with some help from you.

 

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

 

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Sent a complaint into FOS about QuickQuid, had a response saying that an adjudicator should be in touch within 12 weeks.

Are they friendly and what do they ask?

 

Hello , yes they very friendly. They could ask for Bank Statements or income and expenditure evidence. Every case is different they might just look at lenders info and realise your loans weren't affordable

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yep agreed, start getting scans of your bank statements showing payments in and out to the various lenders ready to email over, you may also want to get ready copies of your credit files - make sure you open all of the debtors information up on the CRA site - you an print screen and save to a word doc - this would be helpful to show the debts you had at the time, i'm with noddle and clearscore, both free and equifax

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Having trouble getting credit searches on noddle and clearscore as they only go back 2 years and I need to go back 6 years.... Any ideas.

 

Also would they want all bank statements as there's 104 pages of them?

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Having trouble getting credit searches on noddle and clearscore as they only go back 2 years and I need to go back 6 years.... Any ideas.

 

Also would they want all bank statements as there's 104 pages of them?

 

If its beyond 2 years then it wont happen. Im afraid this is an issue with CRAs, searches dont stay for a full 6 years im afraid.

For Bank statements, maybe just summarise when the loans were deposited into the account for example.

 

We could do with some help from you.

 

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just been putting everything borrowed and paid back onto a spread sheet by date, got about half way through so far........ on the 26/04/2011 i paid £2194.72 to PDLC ......... and then borrowed it back again.

 

wish id seeked help sooner.

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Having trouble getting credit searches on noddle and clearscore as they only go back 2 years and I need to go back 6 years.... Any ideas.

 

Also would they want all bank statements as there's 104 pages of them?

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?445777-Online-Credit-Reports%281-Viewing%29-nbsp

 

You can obtain your credit files online from the 3 main reference agencies for £2.00 a go - read the link above.

Alternatively, you can send to each one a £2.00 postal order and obtain a paper copy. They have 7 days in which to provide you with these.

 

Who would need statements ?

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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

 

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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Sent a complaint into FOS about QuickQuid, had a response saying that an adjudicator should be in touch within 12 weeks.

Are they friendly and what do they ask?

 

Adjudicator just rang me...... seems ok :)

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just had the adjudicator ring me again , QuickQuid have emailed him and said that they believe that 6 of the 10 loans i had with them were unaffordable, and that they are going to make an offer tomorrow.

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So although Quick Quid told you they had done nothing wrong after sitting for 8 week, 10 days after you put in a complaint to the FOS (how did you do this?) they admit that all but the first 4 were unaffordable. Did you end up supplying bank statements etc?

 

Companies like that should get fines just for the timewasting tactics they employ so that the FOS get involved in the first place.

 

Fantastic news though for you, very interested to see what their offer is

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So although Quick Quid told you they had done nothing wrong after sitting for 8 week, 10 days after you put in a complaint to the FOS (how did you do this?) they admit that all but the first 4 were unaffordable. Did you end up supplying bank statements etc?

 

Companies like that should get fines just for the timewasting tactics they employ so that the FOS get involved in the first place.

 

Fantastic news though for you, very interested to see what their offer is

 

I'm afraid this is standard practice for some PayDay companies. They will deny responsibility in the hope that the complainant will accept this and go away however, people are becoming more savvy and not accepting their word. Complaining to the FOS is relatively easy and once QQ are told the FOS is involved, they sit up and take notice. I would also imagine that once the FOS tell them that they have a complaint, they will settle before any FOS fee is levied.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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