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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
MoSalah

Debt from Dubai being chased by CWD

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Hi Guys

Just joined the forum as had been looking for some advice regarding this issue.

My partner is being pursued for a debt in Dubai in 2007.

 

Until last week she had no contact with the bank since 2009, this being the year she left Dubai.

 

We have just received a statutory demand from the infamous CWD which on advice we are going to set aside and dispute the debt they are saying is owed (over 180,000 pounds) from a c card debt of 18k.

 

From what ive read many of you are in the same boat and we would just like a bit of advice whilst we share our experience to hopefully help some of you at the same time.

 

Will keep you posted on how things go.

 

My partner left Dubai in 2009 with around 18k of debt and until last friday had no contact with the bank in question.

 

A guy came to the door and served a statutory demand on her and reading it we have 21 days to set it aside.

 

I have read various threads on this forum and others and it seems there are hundreds of other people being chased by the same company (CWD).

 

On doing a little research i have a few questions

 

1) as there is no reciprocal agreement between the UK and UAE can this be lawfully pursued

 

2) The timescale, can this still be pursued after 9 years ?

 

3) Will the setting aside of this demand require a solicitor to action this ?

 

your help and advice will be truly appreciated

 

thanks in advance

Edited by dx100uk
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can you scan up the SD to one multipage PDF please


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

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Ive pieced together as best i can the remains of the demand, my partner was rather angry with the guy that served it and her immediate reaction was to tear it up

SD.pdf

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they are not the creditor

they cannot issue an SD.

 

safe to ignore.

 

dx


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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Many thanks for your input dx. We have sought some legal consultation as my partner is still worried so i will let you know what the outcome is after this.

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well don't use that well known website lot!

you don't need legal advice really

and if they are charging you for it then pers I wouldn't pay.

 

dx


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.

 

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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This is the correct form......

 

https://www.gov.uk/government/publications/demand-immediate-payment-of-a-debt-form-sd2

 

Which lists the creditors name as the creditor.

 

Andy


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Dear MoSaleh, all will turn out in your favour, be confident!

Please, please do update us on any proceedings, no matter how insignificant.

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So it looks like that letter is nonsense then?

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I will definitely keep you posted, we have scheduled a meeting with a solicitor (as my partner is still worried) to go through this.

 

The meeting should be within the next 10 days so once that’s taken place I will report back. Thank you everyone for your help advice so far.

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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

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Is it worth me contacting the Court and seeing if the SD has been lodged with them thus seeing if this is genuine, or is that not possible.

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its not got that far yet..the court will know nothing about it.


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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Is it worth me contacting the Court and seeing if the SD has been lodged with them thus seeing if this is genuine, or is that not possible.

 

SDs are not issued through a court


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

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Just a quick update, we have set aside the SD that CWD sent us so we are now waiting for the next move.

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Excellent Mosalah, well done!

 

 

 

Was that done by yourself?

What did you need/put together in order to successfully ' set-aside?'

Just want to get a picture of what I would need to gather/prepare, should I ever need it!

 

 

Thanks' Mosalah!

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Just a quick update, we have set aside the SD that CWD sent us so we are now waiting for the next move.

 

Always was going to happen as if the original creditor got wind of it i bet cwd would have gotten an ear full because they should have gotten the money now lining cwds pocket


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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Hi

We hired a solicitor who submitted the Set Aside with an accompanying letter stating that we didnt recognise the debt that they were stating.

 

You can do this yourself, if you look earlier in this thread someone has posted a link to the set aside form you need to fill out.

 

We only hired a solicitor as my partner (who the action is against) is a real worrier.

If it was against me i would have done it myself up to the point we are at now.

 

Will keep you posted on all developments from here on in.

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Definitely a huge sigh of relief - I guess that would be the DCA's Ace card blown off the table - a contested SD. Thats the key.

 

Great stuff!

 

 

Thank you MoSalah for the updates, definitely helps and informs us all tremendously!

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Hi MoSalah, thanks for the updates, keep em coming

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Just a quick update

So we applied to for a set aside to be instructed and we have now received a court date for early September (our first appearance). Will let you all know how this goes in due course.

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thank you again for the updates!

 

Am sure all will work out for the best for you.

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So latest is this,

My partners court date was brought forward to last week and we were abroad so she was represented by counsel in her absence.

CWD produced a document from a “UAE law expert” who argued that this debt is enforceable in a UK court of law.

 

We are still currently away and have since received another email with a significantly smaller settlement figure of 24k.

solicitor is currently away but this very quick greatly reduced settlement figure has me wondering if they are chancing their arm ?

 

After the first hearing my initial question to our solicitor was the validity of UAE law being enforced in a UK court of law to which until this moment we’ve still not had an answer on .

thoughts would be great appreciated

Thanks in advance

Edited by dx100uk
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Foreign debts can be enforced in UK Courts, however, the creditor owning the debt, (if any court action was defended) would have to prove they had the right to do so, the debt amount was correct etc. They would have to follow the correct UK court processes. E.g. Was the statutory demand correctly issued ?

 

And who are CWD representing exactly ? If CWD have finanicial interest in the debt, because they will share in any amount of debt recovered, then they have to disclose to the Court. Failure to do so, would have serious consequences.


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

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On speaking to our solicitor he feels that this isn’t enforceable but is not straight forward, could really do with advice from anyone who’s has been through this as I too am sure this isn’t enforceable but can’t find anyone who knows this law to argue the fact as of yet

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