Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder

  • Tweets

  • Posts

    • Small attachment to an iPhone that cost £288.00.   I know anything that relates to Apple can be very expensive, but what was the attachment ?   Did you return the attachment product in its original packaging ?   How often do you buy products from Amazon ?   How often do you return products to Amazon ?   Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?
    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
    • Late to this, sorry - my wife claims contributory ESA and got her P60 about two weeks ago. Now I know she's overpaid on her tax and I'm just waiting for HMRC (the department I currently work for) to figure it out. They owe her about £150.
    • World Bank President David Malpass says billions of people will have their livelihoods affected. View the full article
  • Our picks


UK debt - now living in UAE

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1306 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi guys!

I lived in the UK for 2 years and then moved to Australia in 2013.

I have since moved to Dubai where I am now living.


I got a message 2 days ago from someone who lives in my old house in London saying she had opened a piece of post accidentally that was meant for me.


It turned out to be from a debt collection company called Cabot Financial who are chasing £800 unpaid on a capital one credit card (£500 balance and £300 interest).


Now I know it sounds silly but I honestly had no idea this even existed.

Looking over my old records I see it's a true debt yes and I owe the money, but I had 100% completely forgotten about it.


I contacted Cabot to make an offer on the debt and they told me they had passed it to Shoesmiths solicitors which I'm guessing means that they're in the process of bringing me to court to get a CCJ.


Now what I'm trying to find out is what I need to do now.

I'm going to call Shoesmiths to try and make an offer to them but technically as I'm in the UAE the debt is not enforceable nor is the CCJ is it?


I'm really reluctant to tell them my new address in case they somehow track me down and start harassing me,

but if they need it to prove that I'm not in the country then maybe it's the right thing to do?


I'm currently a stay at home mother and don't have £800 lying around to pay,

but I do want to try and settle this in a way that I can.


Can anyone tell me how best to tackle this?

Do I need to prove my new address?

Do I tell them as little as possible and just make them an offer on the basis that really I'm doing it in good faith as they've no right to chase me in the country I'm in right now?


I have no assets in the UK and have no intention of moving back there.


Thanks so much in advance,


Share this post

Link to post
Share on other sites

They've no legal powers and you should never ever ring anyone


All and bugger they can do to you


Forget and ignore

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

You could just send a letter to Cabot just saying that you are resident of the UAE and they should not their records, as well as notifying Shoosmiths.


If you want to provide your UAE address that is your choice, but it might help you as the debt owner has a foreign address to write to. I doubt you will have any local debt collection, as i don't think UK debts are enforced in the UAE. Or you can provide an email address for correspondence.


Or you could ignore, but that might mean you end up with a CCJ which will be on your UK credit record for 6 years. You might have to return to the UK for personal reasons although you have no current plan, things can change.


If you phone Shoosmiths, they will want a repayment arrangement set up, for any amount you negotiate. If you choose this option, make sure it is purely based on what you spent on the card and not anything that has been added.

We could do with some help from you.



 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

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...