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    • I agree with BN. Do you have anyone to help you like the CAB or welfare rights at the council or a charity? It seems a shame to miss out on money if you're entitled to it.    HB
    • Hi all   I have a court date for speeding and FtF. Court is 140 miles from my home. I have written to the Clerk of the court for transfer to my local court. I haven’t heard back yet after 10 days. Just want to find out if such request can be granted.   Also, I have been asked to go and work abroad for 3 weeks. I finish the posting 3 days after my original court date. Can I ask for adjournment or do I have to reject my job posting?   Every input greatly appreciated.   Thanks all.
    • Hi, I received this reply today to my dated, signed SAR. I also sent a PDF of the SAR to the people manager via e-mail using the internal e-mail system, and it's been acknowledged so they know it's from me. They are clearly messing me around.    "Dear ****   RE: Subject Access Request   Thank you for your letter dated 15 May 2019, regarding your request for data, which we received on 20 May 2019.    As you will be aware the timescale to process GDPR (Data Protection Act 2018) Subject Access Requests is one calendar month from the day after which we receive a request. Any personal data that we may hold on you will be sent to you within the permitted time frame. However, to note that before we release any data that we may hold we will need to confirm your identity to ensure that you are entitled to receive the data.    If you have any further questions or comments relating to this matter, please contact us on *email address*.    Yours sincerely,  *scanned signature* Name People manager Organisation    
    • Thanks for updating, you should take some further advice on this, Its stressful but a large amount of income fr you is at stake.
    • No I haven't, I'll get on that.   Is there a templated letter? ANything specific for example I should be saying beyond the IRL and it's been over 8 weeks?   Cheers.
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
chelsea05

Middle East Debt being chased by CWD

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Hi, I am new to the forum but am also getting letters from idrww. What is the latest update with the above? I apparently owe money to a UAE bank dating back to 2010 and this is the first contact I have received on this debt!

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ignore totally

but start a new thread

of YOUR OWN please

 

this one is for advising ToBeWan


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Hi firstly I apologise for co I got in on someone else's thread but I am unable to start my own.

 

I have been contacted by CWD who state I owe £60k, I have 30 days to respond/pay up in full.I

 

I own a house with equity and am concerned they will try to make me bankrupt thus losing my house.

 

I left the UAE in 2011 and was originally contacted by IDRWW last month

 

. I am finding it hard to find a solicitor who deals with such things.

 

Does anyone have any ideas?

 

I am tempted to contact the bank directly and come up with a settle meant for the original amount which was around £6000.

Thanks in advance for any advice.

Edited by dx100uk
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I've started a new thread for you, please continue to post here.

 

HB


Illegitimi non carborundum

 

 

 

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Thank you honeybee13

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Did you not read the thread you posted on at all??

 

You don't have 30 days to pay anyone

And you don't need to do anything

You don't need a solicitor either

 

It's a scary DC A letter of

They are not bailiff and are totally powerless

 

Dx


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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you for your reply, I have read loads of threads and looked at different websites about them.

 

I have read they have gone to court here in the UK.

 

I appreciate it is probably scare mongering but I have equity in the house and a young family so need to make sure I am 100% safe

 

. Is it better to ignore or ask for everything?

 

They have sent me my cc agreement and cc statements too. Cheers

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The court cases were all patsy's

Doesn't matter what any

Powerless dca holda...They can't do court


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Single Premium PPI Q&A Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Ok thank you for your advice. What do you mean by all patsys?

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put up jobs[employees, relatives of, debtors getting backhanders afterwards] to make money for that certain website that sc@ms people out of £1000's in fees to defend against something that's never going to happen


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Brilliant thank you for your input, nice to know they are only a dca and not a solicitor

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doesn't matter if they were a solicitor either!!

 

99% are fake paper ones anyway..


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Single Premium PPI Q&A Read Here

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Ok I see what they are trying to achieve I will just ignore then

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Just make sure you open all letters received and see what is enclosed.

If any creditor takes it to court, you will receive the claim directly from the court.

It is always up to the creditor to take you to court and just because a DCA or DCA solicitor threatens this, does not mean it will happen.

 

If a creditor wants to issue a court claim, they ( or their Solicitors) have to send a letter headed letter before claim and in the letter it will say they will issue a court.

 

At this point, you reply asking for copies of all documents in English e.g copy of original financial agreement in your name bearing your signature/date, default notice, copies of finance statements, copies of any foreign courts judgement.

 

And if there are reasons of dispute, you include these

You never admit owing anything in such letters.

you just ask for information.


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At the moment they have sent me the standard cwd letter, financial statements of the credit cards and an information sheet. Cheers

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IF and that is a big IF they did take you to court the it would have to be determined under what law was used for drawing up the original agreements and if it wasnt UK law then the chances of any of the debt being enforceable are small

 

You say you originally owed £6k and that has been bumped to £60k. well, that will take some explaining wont it?

Shame it isnt under Italian law where any claim for interest or silly costs is automatically blown out of the water for ursury

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yeah was £6k and now 60k with interest!

 

! My issue is that I have a large amount of equity in my property which I obviously don’t want to lose.

 

I appreciate I should be safe but always at the back of your mind.

 

And you are correct if it went as far as court how can they stand there and justify another £54k in interest!!

Edited by dx100uk
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I have read that people have been made bankrupt in the UK for a debt in the UAE, is this true or false?

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most have been proved to be patsy cases don't get spoofed!


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Makes sense, is there a way CWD could take you to a court in UK for a debt that was originally from UAE? Have been reading loads and getting mixed stories

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not that ive ever seen...

the miss information typically centres around on an individual and her website that spoofs ME debtors out of £1000's in fees for their 'work' to supposedly keep your a*** out of jail...total fake ofcourse


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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That’s good then. I will keep you posted with updates if/when O get them

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Dx I have seen several comments about the well know website lot! But have no idea who they are, can you say in a forum?

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