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

    • Pandemic will just accelerate the change that was already happening.   High Street Retailers will go bust, as they cannot compete with online warehouse operators. Government will have to reduce the business rates significantly and landlords who own the shop buildings will need to reduce the rents they charge.   Retailers will need to make changes to the layout of their shops to make them more attractive, as a leisure experience. If they are offering just racks or shelfs of goods, consumers may think they are not getting anything extra than if they bought online.   As more people work from home, they will be available for home deliveries, so online retailers will gain the sales. The high streets where these homeworkers  use to work close to will lose sales.   Travel sector including airlines will see many go bust, more so, if there is a second wave of the virus.  Holidays based in peoples home countries or in neighbouring countries will be more popular. Caravans, motorhome sales are going to see massive increases, as people want their own clean spaces. And caravan parks will see more demand as a consequence, but will have to update facilities.   Pretty much every sector of the economy is going to see the biggest changes they have ever gone through and in a very short space of time.
    • This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.   https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html
    • 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
  • Our picks

Ally23

Dubai Car Finance debt being chased in the UK by Stockslegal limited

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1116 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

Any updates from anyone?!

 

I can't believe how many people left Dubai and have been chased for debts but then no end to the story?!

 

First CDW letter has arrived and trying to decide whether I should fight it using a solicitor?!

Share this post


Link to post
Share on other sites

I would not negotiate with C W D. I would leave it to the court in the expectation that they would offer more reasonable terms if a charging order were granted.

 

However, before any of that, you should be checking the validity of the credit agreement.

 

I would start by demanding a true copy of my original credit agreement, without which they can do nowt except continue quacking.

 

And as they are relying on English law to pursue, I assume you have the protection of the same to defend.

Share this post


Link to post
Share on other sites

I can't believe people have been fighting them for years!

 

I only received my first letter yesterday and I already want it over and done with.

 

I will keep you posted with solicitors advice

but from the last solicitor I spoke to it's all a very grey area!

 

UAE debt, can be enforced here but would it actually be enforced depending on the evidence..

.. unlikely but who knows.

 

He couldn't find anything prior to our meeting earlier this year where cases had been won by the uAE banks?!

 

We are paying 3x the amount for this new solicitor so I expect some results to show these solicitors are winning the amount of cases they claim to be, after all since a post in 2011 they've been winning 20 every 3 months!

 

Pretty impressive if it were true! Exactly the same letter wording too!

 

I guess I'm saying hold your nerve and don't agree to something you can't afford!

 

They are being completely unreasonable and I can't imagine any judge would look favourably on them if ever it did go to court?!

 

Oh and for the CDW spies who come on here to see what's going on...

. There are some who will fight you, who can afford a good solicitor to see through your cr@p and will feed back to the other members who are literally at their wits end to make sure you get as little as possible! I wish I could swear but it sounds a lot like twonks!

 

Keep in touch everyone....

Share this post


Link to post
Share on other sites

CCA request?! Not a clue what that is and I'm not sending anything - every bit of correspondence will be done through my solicitor. I don't want to speak to them at all after reading about their practices. They are no flamin better than the Dubai laws!

Share this post


Link to post
Share on other sites

OK your solicitor will send on your behalf.....good luck

Share this post


Link to post
Share on other sites

You mean the credit agreement? If so yes I have part of badly photocopied or scanned agreement, lots of pages missing. An accounts statement that makes no reasonable sense and some other paperwork in Arabic. Got this off the DCA earlier this year. Again the solicitor said he can't see how that would stand up in any court of law?! I presume CDW will have the same info but time will tell.

Share this post


Link to post
Share on other sites

Thanks Ally

I need help with the template....

Share this post


Link to post
Share on other sites

Ally,stick with your solicitor,dont give up,fight the fight from these Amersham money grabbing leeches,read my comments on the other UAE post

Share this post


Link to post
Share on other sites

Who knew hiring a solicitor would make things more difficult..

. So back and forwards the bottom line is

- yes they are winning judgements

- it's presumed by people not fighting them

however, they are getting through the initial stage with the Dubai documentation.

 

 

Until some case are actually won against them solicitors are reluctant to offer their services because a debt of some sort is owing and unless you've got nothing to loose you are risking loosing everything by fighting it.

 

 

Don't be disheartened though, look at the guy above who's fighting and already won the first step!

I truly hope his becomes the case law we are waiting for.

 

 

CDW have been professional in dealing with us however there has been no scope for negotiating.

Pay it all or court.

 

I have not been able to use my solicitor as yet because if they sent a letter acting in our behalf CDW would serve them with notice, they then have to hire a barrister to go to court to say they should not be served so there is £700 before you start.

But that's not to say once served the solicitor can't act on your behalf.

 

It's a matter of time for this firm of solicitors! I look forward to reading about them in the newspaper!

Share this post


Link to post
Share on other sites

Quick question as I've already been through this process with CWD 2 years ago and I paid.

 

Second debt request for our other car has hit in the way of a phone call from a very helpful and friendly solicitor (who knew they existed!) at Stockslegal limited.

 

She said the bank would be willing to negotiate if we paid in full.

 

I'm not going to ignore it as I did that before and CDW added £2k to the bill!

 

I want to be on top of this.

 

Left in January 2009,

can we simply use the 6 year limitation as a defence?

I understand it's a UK debt but being heard in a UK court, surely has to have advantages?

 

In the meantime I've asked for all info and strangely have not had even an acknowledgement of the 2 emails I sent in response to her letter stating I had 7 days to reply or court action. CWD were all over the correspondence!

Share this post


Link to post
Share on other sites

Just respond to them that the matter is subject to statute of limitations and that you would defend.

 

Why you paid CWD the previous debt including £2k surprises me, unless it ended up in a UK court judgement. Did it actually get to a court hearing ?


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

Share this post


Link to post
Share on other sites

they mugged you before and told their mates

 

now they are trying the same

 

ignore totally

 

dx


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

No it didn't

but at the time we spoke to a solicitor in the UK at length and it was no guarantee of beating them and the risk of the amount being double through legal costs if we lost.

 

Bankruptcy was not an option due to my husband co-owning a business.

 

On the first car we were initially chased by a debt collector who we ignored.

By the time CWD got involved the debt had gone up £2k.

 

CWD would not negotiate.

Our solicitor said if it had been over the limitation we may have used that but at the time we weren't there.

 

I'm yet to read anyone being successful when going to court.

I just don't want to find myself in the position of owing more money in a years time.

 

The limitation is 15 years in Dubai,

I do wonder if the UK court actually uses any of our laws in our favour!

Share this post


Link to post
Share on other sites

I don't think CWD actually win many at court hearings and most are default judgements.

 

UK limitation is 6 years and if they want to use UK courts for enforcement, then UK law would apply.

 

You never tested the other debt in court or the costs they wanted to add.


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

Share this post


Link to post
Share on other sites

No we didn't.

 

We were told it was your debt,

that would be hard to defend

but they did say they hadn't dealt with any overseas debt and they were only going off research.

They couldn't find any cases to compare.

 

At the time it certainly wasn't worth the risk of being in that much debt if we lost.

 

Crazy there isn't more experience solicitors or cases to compare.

 

I have read something today about a guy who did fight it using a solicitor and our 6 years but the judge ruled in favour of the Middle East using their 15 years.

Share this post


Link to post
Share on other sites

you got had your solicitor wants shooting!!


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

Don't go by some online reports, as it has been known for some Middle East debt collectors, to post fake reports online, that suggest allsorts. I remember reading one instance where they were found out doing this. They don't operate by UK finance standards.


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

Share this post


Link to post
Share on other sites

Will keep you posted when she sends the information and see what it is they are claiming for. Right now the account number she has sent is not relating to our car, maybe that's what's taking so long! Thanks guys much appreciated.

Share this post


Link to post
Share on other sites

Hi Ally23. I also received a letter from CWD 6 months ago. I responded asking for documents and also told them I have no property and savings. Till now I haven't heard anything from them.

Share this post


Link to post
Share on other sites

CWD had all our info about Dubai debt. This solicitor however is slow and just hasn't responded at all!

Share this post


Link to post
Share on other sites

Looks like I'm the only one having dubai debt bother- which is good (in a way)

 

So solicitor is start CC action at the end of the month as we've not responded to emails we've not received even though she's had the contact number but hasn't used it as she's been on holiday in dubai for a month. I want to fight it but my husband thinks it's best just to pay.

 

Sure after 9 years statued barred should absolutely apply?

Share this post


Link to post
Share on other sites

best you keep to your own thread ally

go update that

dx


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
best you keep to your own thread ally

go update that

dx

 

 

I thought I had 😳

 

Thanks!

Share this post


Link to post
Share on other sites

Looks like I'm the only one having dubai debt bother- which is good (in a way)

 

So solicitor is start CC action at the end of the month as we've not responded to emails

we've not received even though she's had the contact number but hasn't used it as she's been on holiday in dubai for a month.

 

I want to fight it but my husband thinks it's best just to pay.

 

Sure after 9 years statued barred should absolutely apply?

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...