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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
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How to deal with overseas debt idrww


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Please can you can help.

 

Today I had a letter from IDRWW regarding a debt from 2009 to HSBC Middle East. I took loan out to pay a debt, lost my job, had to leave the region due to visa rules, was unemployed & had long period of instability.

 

I had given my parents address when taking out the loan and have had zero communication regarding this debt since 2009.

 

It's a relatively small sum of money (£2700) but i'm self employed on a low income so can only afford very small repayments at moment... I'm very anxious about how best to deal with it as I fear it will escalate into a bigger problem. I fear they won't accept my small repayments - and could dump load of extra penalties on me that would make it unmanageable.

 

In principle i'd be happy to pay something as I prefer to clear my debts ....what is the precedent for dealing with this?

 

Thanks in advance for your time reading this.

Edited by HickoryDock
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You say that you took the loan out in 2009 but please will you tell us the last date upon which you missed your first payment and also whether you have acknowledged the debt in any way – if so when

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Hello thanks for your reply

 

My last payment was in 2009 when I took out the loan...as I lost my job shortly afterwards and had to leave the country.

 

There has been no correspondence between us since.

 

I gave my parents address when I took out the loan and they have been resident continuously since 2009 so i have ben contactable since this time.

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Ignore them

Stuff and all they can do

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply. can you explain a bit more...…

i've read about CCJs and extradition etc...…

on what basis can I ignore it.

 

The company are based in the UK, are they able to begin court proceedings against me?

 

Thanks for your help.

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I can confirm, HSBC sent me all manners of threats, when I left the UK and moved to Canada.

Over a period of 4 years they did absolutely nothing except send out letters that looked like they were written by an 8 year old.

By the time I had moved back to the UK it was statute barred anyway.

 

I had 3 Debts with HSBC, a credit card, withdrawn overdraft and a loan approaching £20,000 in total.

They never sold the debt on, they never sent anyone around and they never went for a CCJ.

As for extradition?

c'mon ?

seriously?

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probably reading that stupid Dubai site where they sc@m you out of fees and make you pay the debt off under a discount scheme...

about time that woman was exposed!!

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So when did the UK sign an extradition treaty with the UAE?

You must apply some sort of bullshot filter to what you read if you have actually found that online.

So on what basis can you ignore it? Well, international law for starters, then EU law and finally english law.

 

 

 

Thanks for your reply. can you explain a bit more......i've read about CCJs and extradition etc......on what basis can I ignore it. The company are based in the UK, are they able to begin court proceedings against me? Thanks for your help.
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