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    • Hello,   Apologies as I know this topic has been done to death but I find myself in a situation I can't seem to find another example of?   Around 12 months ago, Moriarty Law contacted me about a supposed debt relating to my ADCB current account in Dubai. Nearly all current accounts come with an attached credit card (turns out they don't but one of the pages in the initial application that you're asked to sign is actually for opening a CC.... I know, should have been more studious with reading).   Thanks to this forum, last year I downloaded the "Prove It" letter and sent to Moriarty. After hearing nothing at all for 11 and a half of those months, yesterday a big parcel arrived containing the pages from the original account opening app with my signature all over it, a copy of my passport and residency visa from that time and bank statements for the whole 5 years I had the current account with ADCB.   Looking at the amount owed, it translated to around GBP5,000 at such time as ADCB passed it to ML and now they have inflated it to GBP10,000 using a combination of mystery charges and a made-up exchange rate between AED/GBP.   I'm wondering what my next move should be as others seeking help from this forum usually see a Prove It letter to be enough to shoo the DCA away. Sadly in my case, there's 3kg of paper on my desk that very much proves it.   Also I'm a director of a UK Ltd company now so would like to avoid anything that may sully that.   Any advice gratefully received, thanks very much!  
    • Will this now get allocated a court date as CLI have exhibited evidence? Or will the court review the evidence first? 🙄
    • Hi Lutz,   Go ahead with the new account.   As I said already, the bank will probably do and say nothing to help you for the next few weeks so make whatever other arrangements you can.
    • I don't think that you have told us when you bought the car. However, you have referred to a conversation in which they apparently told you that the MOT had been carried out on 11 November so that suggests to me that you bought it after that date. Although it seems as if you are dealing with quite a dodgy crowd, you may as well go through the paces of asserting your proper rights. Because you have discovered this issue within the first 30 days – you can add to the strength of your position by sending them a letter asserting a right to reject the vehicle under the consumer rights act. If a car manifests a defect within the first 30 days then you are entitled to reject it out of hand with no chance of repair but you must assert your right in writing. Send them a letter immediately – recorded delivery – informing them that you are rejecting the vehicle and telling them on what grounds and say that you are asserting your rights under the consumer rights act. It won't make a whole lot of difference, but later on if you find yourself having to take court action, then it will all help. Please let us know when you have had the AA check. Meanwhile, I suggest that you contact me at our admin email address and let me know the identity of the garage and any other identity clues that you have unearthed. It may enable us to give you additional help
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7 hours ago, honeybee13 said:

My very technical analysis of this poll is that most people believe Brexit is a steaming dog turd. 

We could do with some help from you.

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Also interesting that Trumpettes are saying quick trade deals with the US can be quickly done 'piece by piece'   aka Anything the USA wants can be done quickly ... especially if it

A key plank of the US incursion is the banning of source of origin labelling so you don't know where the food comes from.

Err not quite. Here's the actual (unedited) quote by Lord James of Blackheath as recorded in Hansard:     https://hansard.parliament.uk/lords/2019-09-06/debates/0C259B8B-7232-4228-BB0

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"Thousands of British food businesses could be left without the correct labelling required to continue selling to the European Union and Northern Ireland after the UK government missed an industry deadline to advise them on what new rules they will have to follow.

Britain will leave the EU's trading rules at the end of this year, after which the labels that British food and drink businesses use will no longer be legally recognised on the continent."

 

"UK trade associations repeatedly warned Prime Minister Boris Johnson's government that the end of August was the absolute deadline for issuing guidance that will allow them to produce new labels in time for January 1."

 

https://www.businessinsider.com/brexit-food-companies-warn-boris-johnson-has-missed-labelling-deadline-2020-9?r=DE&IR=T

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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UK Gov are very sparse with any useful guidance sadly.  They aren't doing very well

 

https://www.turbulenttimes.co.uk/news/brexit/brexit-a-sack-of-salt/

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

 

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Anecdotally,  many people I know are switching to Starmer and Labour . These are people who a year ago were enthusiastic about Boris, and now see him for what he is!

I know that doesn’t make an electorate, but to me it’s quite remarkable. 
 

Brexit is going to be a very hard reckoning for Johnson and Cummings .

We could do with some help from you.

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What the Tories seem to be calling 'Ready for a no deal Brexit':

- Alongside no legitimate international labelling

Full list of proposed locations for up to 29 lorry parks ..

  • Bournemouth, Christchurch and Poole Council
  • Cheshire East Council
  • Cheshire West and Chester Council
  • Devon County Council
  • Dorset Council
  • East Riding of Yorkshire Council
  • East Sussex County Council
  • Essex County Council
  • Halton Borough Council
  • Hampshire County Council
  • Hull City Council
  • Kent County Council
  • Lancashire County Council
  • Leicestershire County Council
  • Liverpool City Council
  • Medway Council
  • North East Lincolnshire Council
  • North Lincolnshire Council
  • Plymouth City Council
  • Portsmouth City Council
  • Salford City Council
  • Solihull Metropolitan Borough Council
  • Somerset County Council
  • Southampton City Council
  • Suffolk County Council
  • Thurrock Council
  • Trafford Council
  • Warrington Borough Council
  • Warwickshire County Council

https://www.cheshire-live.co.uk/news/chester-cheshire-news/brexit-lorry-parks-could-built-18884511

 

https://www.bournemouthecho.co.uk/news/18697182.brexit-lorry-parks-built-dorset-without-consent/

Edited by tobyjugg2

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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Are the government serious about this? You have to hope it's posturing to show Barnier that they're serious about not having a deal and to put pressure on him this week.

 

They're planning to bring in a law that conflicts with the Withdrawal Agreement and breaches international law?

 

If they do this, any sensible country will never trust the UK again. The cost of borrowing by the government will got up because of perceived increased risk.

 

Meanwhile Covid seems to be heading out of control again...

 

https://www.ft.com/content/9906e0d4-0c29-4f5f-9cb0-130c75a2f7a7

Illegitimi non carborundum

 

 

 

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The Brexit cult in the UK is just another version of the Trump cult in the USA. 

We could do with some help from you.

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and Johnson now demonstrating the real issue and threatening to renege on the withdrawal agreement

 

.. and Johnson expected trust LOL

 

He's trashing any remnants of respect for the British word and effectively defining to the World  that agreements with the UK literally aren't worth the paper they are written on.

 

and if the UK reneges on international agreements, why should anyone honour their agreements with the UK if it doesn't suite them.

 

https://uk.reuters.com/article/us-britain-eu/brexit-showdown-as-uk-threatens-to-undermine-divorce-treaty-idUKKBN25Y0EZ

 

 

 

 

Edited by tobyjugg2
  • Like 1

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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Its a mess, but many of us thought No Deal was the intended endgame once they got Johnson in as patsy

 

https://www.turbulenttimes.co.uk/news/brexit/brexit-no-deal-a-good-outcome/

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As did I,

but thats a whole different ball game to

making any agreement with Britain worthless

.. and not being in any way ready for what they actually wanted years into it.

 

The EU would have taken the UK more seriously if they weren't planning lorry parks

let alone had the border mechanisms in place a year ago as they should have.

 

Now we are isolated, with our current and future International trade agreements demonstrably not worth the paper they are written on, and at the mercy of the USA pharmaceutical and food industries.

Edited by tobyjugg2

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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Quite so, TJ. Plus, as I said, if the government want to borrow money they're very likely to find tht their credit rating has gone down badly and they won't get the best interest rates.

Illegitimi non carborundum

 

 

 

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Too true HB

Who wants to lend money to someone who has been demonstrated to renege on their debts

 

Not only that, Johnsons proposals is throwing the Irish peace agreement under the Brexit lie labelled bus.

 

He's back to the 'we wont impose a border in Ireland so the EU will have to if they want one and we cant because we've got no working systems...

... As was expected

 

 

He's missing the point that the EU will have some legal and mechanical mechanism to allow NI preferred status provided the NI will implement it - which will of itself further drive Irish unification - outside the influence of Westminster

 

Wouldn't be surprised if the Scots and Irish combine their plans to secede from rule by Westminster

 

 

Interesting that the Scottish Conservative leader has said he would vote against anything that reduces UK standards - like allowing chlorinated chicken or hormone soaked 'meat' products.

 

Beats me why johnson keeps saying

The UK will have the highest standards, higher than the EU, but simply wont commit to it

Mind you, we all know he's a liar.

 

 

 

 

 

 

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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I think its more that he quite prepared to make us a nation of untrustworthy liars

... Not just that he himself is lying untrustworthy lazy dross - that is his eternal legacy from all his 'jobs' isn't it?

Edited by tobyjugg2

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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1 hour ago, honeybee13 said:

Quite so, TJ. Plus, as I said, if the government want to borrow money they're very likely to find tht their credit rating has gone down badly and they won't get the best interest rates.

 

Why would the UK's credit rating go down? The cost of UK Government borrowing is at an all time low.

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Because if people like the World Bank or investors buying gilts think you renege on deals, they will want higher interest rates to lend you money. It will be interesting to see what people like Standard and Poor's think of this.

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Illegitimi non carborundum

 

 

 

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2 minutes ago, honeybee13 said:

Because if people like the World Bank or investors buying gilts think you renege on deals, they will want higher interest rates to lend you money. It will be interesting to see what people like Standard and Poor's think of this.

 

Not much is the answer. Standard & Poor haven't changed their AA credit rating of the UK since December last year.

 

 

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But they still demoted us from AAA. This is from the BBC not long after the referendum; there's nothing to say we can't be downgraded again if things go badly after the end of the year, or even before.

 

http://www.bbc.co.uk/newsbeat/article/36652494/just-what-is-a-aaa-rating-and-why-did-the-uk-lose-it

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Illegitimi non carborundum

 

 

 

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He clearly should already know that given his post HB

He's just blowing wind 'a la Johnson

 

Dont forget Moodys (Aa2) and Fitch (aa-) as well as S&P's

BOTH projecting downward trend/negative outlook

 

 

What Johnson has already done ..

 

https://theconversation.com/boris-johnsons-threat-to-not-pay-britains-brexit-bill-is-dangerous-for-the-uk-economy-118544

 

 

and what would further downgrading do to the interest costs of our debt MOUNTAIN eh cjregg

(awaits BS answer at best)

 

 

What does bloomberg think?

https://www.bloomberg.com/news/articles/2020-09-07/pound-slides-after-johnson-puts-no-deal-brexit-back-on-table?srnd=premium-europe

https://www.marketwatch.com/story/pound-retreats-on-hard-line-u-k-brexit-stance-11599473250

Edited by tobyjugg2

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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@HB

Further downgrades become more likely if national debt increases and there is no mechanism for offsetting that debt with growth (taxes) - as has and is happening

 

Its why theres a lot of attention on Sunak and tax rises despite almost no one (except Tesco) being in a position to afford them .. who the Tories would tax

 

Worth a read for a bit of person background

https://www.theguardian.com/commentisfree/2020/sep/04/rishi-sunak-labour-johnson-coronavirus-star-chancellor

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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30 minutes ago, honeybee13 said:

But they still demoted us from AAA. This is from the BBC not long after the referendum; there's nothing to say we can't be downgraded again if things go badly after the end of the year, or even before.

 

http://www.bbc.co.uk/newsbeat/article/36652494/just-what-is-a-aaa-rating-and-why-did-the-uk-lose-it

 

But that's from 2016. How is that relevant to the Government wanting to borrow now?

 

And shifting the tense from now to 'after the end of the year' is purely speculative.

 

Did you study economics at uni? I'm guessing not.

 

 

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Did you study economics at uni? I'm guessing not.

 

No I didn't. Did you?

 

Are you saying things have improved since 2016? We weren't talking about no deal then and the markets don't like that.

Illegitimi non carborundum

 

 

 

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last downgrade was in 2017

 

Downward pressure on UK ratings is far more recent

as is the Johnsons' governments apparent virulent displays of rank incompetence

Edited by tobyjugg2

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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Share on other sites

cjregg will cheerlead johnson whatever, or try to just spoil any criticisms no matter how valid

 

read the marketwatch article linked HB

 

:-)

 

https://www.marketwatch.com/story/pound-retreats-on-hard-line-u-k-brexit-stance-11599473250

 

 

As the EU has said deal needs to be sorted before end Oct, and Johnson has jumped before he was pushed saying 'we'll walk away sooner' and the linked analysis says what it says

...

 

 

Edited by tobyjugg2

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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