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    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
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    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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HPH2/Cohen Claim Form barclaycard 'debt'***Settled by Tomlin Order***


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So - did all of the above.

 

 

Had the mediation call as expected,

and told them that unfortunately no, I hadn't received any of the requested paperwork.

The mediation person said that's fine, we are unable to proceed with mediation then.

 

Today I received a 'Notice of Allocation to the Small Claims Track (Hearing) for a date in mid-August.

 

My question is: what do I need to do now, if anything?

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follow what it asks you to do by the required date.

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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From what I can deduce, that is simply nothing. The onus is on the claimant to produce the relevant paperwork 14 days before the hearing, or they are snookered.

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basically yes

 

 

but you must complete your part too...

 

 

dx

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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You will still need to prepare your own court bundle, currently on a no paperwork basis until they provide otherwise.

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Very little other than your Defense for the witness statement if they produce nowt

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If you look at the Court Directions closely...it will state all parties to submit their documents by date xxxxxxx (disclosure)and prepare a statement (witness ) which also part of your disclosure by date xxxxxxx

 

 

Bundles are for more complicated claims/defences

We could do with some help from you.

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Thanks Martin & Andy, really helpful. The witness statement will, I'm guessing, be me stating what I've requested, and that I haven't received a single thing?

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  • 3 weeks later...

OK. Tomorrow I shall get my stuff together to send to the Court. So do I need to just send copies of the letters I sent out to our dear friends at Cohens etc?

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Take a read of the last page of the following thread isbo...this is an excellent example of how to prepare your disclosure and witness statement..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?458383-Lowell-lowells-sols-claimform-old-Vodafone-mobile-debt/page6

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Still not received a thing off the other side. Hearing is due to be this coming Monday - should I book a day off work to attend? I can't book half days, btw.

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So no disclosures or witness statement from them ?

We could do with some help from you.

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So when your in court inform the judge that the claimant has failed to comply with his directions and failed to disclose any documents or witness statement on you...so barred from relying on any documentation.

 

Refer to CPR 3 THE COURT’S CASE MANAGEMENT POWERS

 

Power to strike out a statement of case

 

3.4

(1) In this rule and rule 3.5, reference to a statement of case includes reference to part of a statement of case.

(2) The court may strike out(GL) a statement of case if it appears to the court –

(a) that the statement of case discloses no reasonable grounds for bringing or defending the claim;

(b) that the statement of case is an abuse of the court’s process or is otherwise likely to obstruct the just disposal of the proceedings; or

© that there has been a failure to comply with a rule, practice direction or court order.

 

Andy

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We could do with some help from you.

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If you dont attend you cant tell the court...you lose they win you get a CCJ.

 

If the court does strike out the claim ask for your costs ...and take proof (written evidence) that you have had to take a day off work (£90.00)

We could do with some help from you.

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I would venture that an employer can not deny you the right to defend a claim being made against you.

Your priority should be to attend the hearing.

Have you been denied the time off from work despite explaining the reason?

Imho i would attend the hearing and deal with the fallout from work later if necessary, what would be the worst case scenario with regard to work? I mean as opposed to getting a ccj by default for not attending?

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isbo you are in your rights to book a days holiday and they cant refuse you, unless its written in your contract (eg certain time of the year). They can however refuse to pay you, but don't worry about that. My wife works in HR mate but give acas a ring and they will tell you the same. You do tho have to of worked there for two years or you have no rights lmao

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