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    • Better version attached with the late appeal explained more clearly for the judge. This will sound silly, but I think it would be a good idea to e-mail it to the court and UKPC on Sunday.  It's probably me being daft, but Sunday is still March, and as it's late, sending it in March rather than April will make it sound like it was less late than it really is.  if you get my drift. You can still pop in a paper version on Tuesday if you want. E-mail address for the court: [email protected] And for UKPC: [email protected]   [email protected] Defendant WS.pdf
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    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dubai Debt through UK Courts - now Bank/IRDWW SD served


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Having been away from Dubai for 3 years I am well aware of the Debt I owe and make every effort with the banks to pay back what I can monthly to ensure over time it is paid back.

 

I have all the contacts like they have my contacts and I have not run away from my Debt like some people do.

 

Now I am getting very angry and I will take action against these collection agents with the tactics they use and the stories I have read in how they treat people.

 

It is against the federal collection law for the tactics they use and they are causing a large problem for the banks.

 

Bilkish being the worse, Tahseel, TrustDC I am sure there are more but one word is DISGRACEFUL.

 

They have called and emailed every work place that I have been at even though they have my details trying to cause problems which actually makes me laugh because they are putting themselves in grave danger and then calling friends and family to further put themselves in danger of going against the law.

 

I refuse to pay anything now until these collection agencies and there agents are brought to justice and that there methods are reviewed and sorted.

 

Let this be a message to you are I am not afraid and never will be. I am guessing half of you are in debt in Dubai and many of you working there are from India, Phillipines and Pakistan which further makes me laugh

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i have never heard anything about the UAE can send your debt to the UK and then you can be tried for it here. In the UK it is not a criminal offence when in debt you simply managed your payments and work out a plan.

 

In Dubai 1 day late and jail. Bilkish, Tahseel to name a few are monsters treating people like dogs around the world and every forum I go on to I read bad stories.

 

I am standing up to them every step of the way and they have already breache dmy data protection so many times. They do not have an answer for me at all just asking for money ( which they are getting) but I love there tactics they are amazing !!! Scare people. I emailed the banks again and told them the work that these people do. Not sure the banks care but I do and the more the harass people and use these methods then the more they dig themselves a hole.

 

When I mention Indian, filipines I have a lot of friends in those countries from my travels and what I mean to say is that the agents in the agencies are form those countries as you know in Dubai yet they are treating there fellow country men in such a horrendous way this is not allowed.

 

For as long as they treat people like dogs they will ruin there reputation

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  • 2 weeks later...

up date new info - guy from uk just emailed me saying that a solicitor from uk have sent him a letter saying he must pay for debt !! this is rubbish I didn't know there was anything from UAE to UK

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  • 1 month later...

I have been dealing with these barbaric and unprofessional agents for 3 years from Bilkish and Tahseel with Tahseel being the worst.

 

They are disgusting. I cannot believe how they can still operate after breaking the law so many times. I have been in touch with the banks through email since I left Dubai and trying my best to pay my money back but the agents are crazy

 

I fight with them every month and I will win because they are wrong and they break the law. Do not give up and do not let them treat you like a dog they cannot.

 

Can you believe they even try to contact me in my work by phone and by email and by fax !!!! Ha ha makes me laugh they are trying to scare or embarrass me yet they still have my email here to stay in touch.

 

Tahseel are the worst with Bilkish in second and even one agent told me I will die in jail !!!

 

Here in the UK the law is different so I do not worry but I will not be treated by these agents like this and I will fight everyday because I know how to and every time they break the law my debt goes away

 

We are human just like the great sheik Mohd in Dubai so do not let the agents call or hound you in anyway. FIGHT BACK !!!!!

 

Tahseel and Bilkish you are a disgrace to the banking world.

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  • 4 weeks later...

Hi guys.

have been working with a few people expats in the cases same as mine I owe £300k aed plus from 2009.

I emailed this company in the uk asking how they can represent these banks / agents after there barbaric acts in the way they try to recover money.

I also asked them under what jurisdiction they operate and if they go to the courts that they have to be aware what is happening in Dubai first because they have no idea.

 

I pay back what I can when I can like any normal debt in the western world and I am in contact with the banks by email.

But you know what these agents from Bilkish and Tahseel are just crazy.

 

I fight with them always and I will always keep fighting because there methods and tactics are wrong and go against every law possible not mentioning the consumer credit act. If any uk company came after me or tried to summon me I would go all the way and for sure I would win and I would make sure I win because I have all the emails and evidence that these agents have treated not just me but others like dogs and my family also it's unbelievable !!!!

 

Can you believe they call my work and email my work to try and scare me been though they have my contact details and also called my family and partner !!!!

I mean come on guys. This goes against every act in the law possible.

 

I have my instructions and as along as these people act like this they do not receive a penny.

If they want to sell the debt in the uk then so be it because it's better for payments anyway but let any company come after me and I will make sure they know about these people in Dubai.

 

Be careful solicitors in the UK know what you are dealing with first.

Human rights are being breached and it is not right

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Great stuff thanks. I have got citizens advice involved too. This company is called coyle white Devine solicitor in the UK who seem to be working with Dubai banks. I emails them to see how and where they can do that. It's wrong after the way they treat you in dubai. I would be interested to know more.

 

I found out from a friend about coyle white and I emailed them as I want them to be aware that the banks and collection agencies in Dubai break every law possible and breach human rights. I have been fighting with them for 3 years.

 

I owe money which even though I pay back what I can and I am in contact with the banks these agents still call me my family my work it's become a joke now !!! Every time they contact me then I take 500 aed off my debt.

 

I hope one day it comes to the UK because I will go all the way to clear my debt because go how these agents and banks have been its a disgrace. The threats are bad I had one guy said I would die in jail if I didn't pay. BILKISH AND TAHSEEL the worst.

Message to any solicitors in the UK please do your research before you buy a debt

 

Keep me updated

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  • 1 month later...

Rodney it's in DHS and I pay what I can but trust me if they come to the UK I will clear my debt and not pay a thing under human rights.

 

Can you believe I found out an agent from Dubai threatened a girl who owes money with rape and her mum and sister with rape if they did not pay 20,000 aed !!!!! Sorry my friend there is a way and the right way is not this. Laws are bad and the banks are wrong. Yes people owe money but in time not to be threatened with death

 

I would be interested to know more.

I have been fighting with these agents for years.

Let me know how much you owe.

 

As far as I know nothing can be done here in the uk as with debt you can arrange to pay monthly rather than go to jail or be threatened with death or rape as these agents Tahseel and Bilkish do all the time. Let me know more info

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There is nothing. Believe me if a case came against me here then I would go all the way to human rights courts after the way these agents and banks treat people it's not right. Any solicitor in the UK that represent a bank in the UAE must do very carefully because in the UAE they treat people very bad and debt is a criminal offense not like in any western world where you get help to manage your debt and pay off what you can.

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  • 1 month later...
Ah I see, they only help sue debtors and not help them. Perhaps make an enquiry with the law society to see if they have a list of Solicitors who can help.

 

Interested to see how this goes. I have been fighting with these stupid collection agents in Dubai Bilkish being the worst. The collection tactics break all laws possible. All I want to do is pay back my debt that's it. They are too agrresssive so I give them back there medicine. I hope it comes to the UK cause I will fight all the way in the courts and clear my debt and my name after the way they have treated me. You know one lady told me the bank called her and he threatened to rape her sister and mother if she didn't pay !!

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Hey. So far heard nothing. I have legal advice from a top solicitor. Basically they can do nothing to harm you but yes can sell the debt on but it would have to be for a large amount. Even if the debt came to the UK they would have to follow our rules. It would be up to a court and then a judge. First yes they would ask fr the full amount but if you coldnt pay they would look at a payment plan which is easier.

 

I have an added bonus of the emails of abuse received from the banks and Bilkish associates and Tahseel which they told me to keep these as evidence and the abusive phone calls. These will stand for me if I ever went to court here. Also the fact that they don't follow laws and break too many the judge would favour this.

 

I have tried to ask for a plan to pay but keep getting abuse which I give back 10 fold.

 

As it stands it is better for me for my debt to come here so I can pay £20 a month job done !!!! No more **** or hassle from these greedy agents.

 

Yes I agree you owe money you pay it back but there is no need to get aggressive !!

 

If you need assistance then feel free to mail me

 

[email protected]

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  • 8 months later...

Morning Guys.

Such a pleasure to see all the comments on here. I have also been writing elsewhere also if people want to see there. I started writing on here back in 2009 when I left Dubai as I can tell you I have had 5 years of complete hell but I am still here fighting back.

 

My update is that I owe 4 banks money 4 credit cards and a loan total about £80k ( should actually be £35k) but you can imagine the stupid banks and there interest they have put on over 5 years.

 

Last year I was waiting for CWD to get in touch after reading so much about them, I had been 4 years with nobody getting in touch although I was in touch with the banks to try and make repayments which did not work as they just wanted to abuse me. BUT my 4 years have been interesting and I am not sure if anyone has had the same done to them but if so please let me know.

 

Over 4 years I have had the famous Bilkish, Tahseel and many more doing the usual stupid and against the law tactics that they do around the world. 4 years of abuse calling my home, my work yes my work asking for my director and my fiancé which was the worst. They actually called her in her work!! So you can only imagine what I have been dealing with people having to find out about my situation. That actually helped though as they supported me after all it was not just my own fault that got into trouble in Dubai but I had to take it all!

 

What these collection agencies did not like is that I fight back! Oh they do not like it because they think you will crumble and give in! You must be joking.

 

I had a threat with pay up or else I will rot in jail, or if I ever come through the airport I will be tied up and beat up! Yes believe me and I have all the emails as proof!

 

So when the lovely CWD sent me there usual crappy letter of “oh we are securing judgements” la la la la for my 1st bank I did the same as many others and started to defend myself. I use many forms of information, I don’t have money for a solicitor and I defend myself.

 

After 4 months they finally come back to me after the information I requested seemed to be hard for them to obtain like T&C OF WHEN I SIGNED FOR THE CREDIT CARD not now in 2014 as I agree Terms do change. Also asking them where the proof is they can act on behalf of these banks??? They never reply one bit and then they had the cheek to call me in work and then apologised saying it was a mistake but that they were allowed to do this! WTF are they serious.

 

I have complained to the SRA and the FCA also my local MP all whom say the same it is a grey area. but I say that CWD are trying to jump on the band wagon here to make some easy money and I do not think they are following all the rules. I had a reply back from Mr Coyle explaining some things I will post in here when I get home later. They always seem to shy way from the question under what jurisdiction are they working under??

 

4 weeks ago I got my 2nd letter from my 2nd bank emirates a little larger sum of money but with this one a little different as this is where I have had the abuse and every law broken in the book and they want to chase me for money well not so easy. I have replied and I have also complained again to the SRA about CWD and Mr Coyles activity and also his solicitors. He actually told me that they are so busy they cannot cope!!!! I sent all the evidence of abuse and calling my work / emailing also. Lets see what they come back with

 

Please keep posting guys.

My friend is helping to set up a site for me where we can all Blog and by people power we will overcome these stupid acts from CWD in unfair debt collection practices that hardly any solicitors in London know anything about.

 

I have dealt with this for 5 years and I will not stop until justice is done.

Yes we want to pay our money if we can but it should not affect our UK status and credit file one bit this is unfair.

 

Do they know what happens if you miss one payment in Dubai??

Yes that’s right you rot in jail and get beat!

Is that right no it is not and this is what CWD do not understand.

 

If they can chase this in the UK under UK law then surely other laws have to be taken into consideration.

I doubt some small court in Northampton know anything about Dubai.

 

Thanks guys

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Hey Guys.

I have twice complained to the SRA and they have come back to me saying they are looking into it.

I even go my local MP involved and they emailed the SRA also.

I have also contacted the Daily Mail to see if they are interested in the story.

 

I will let you know the blog once it is up so we can all chat there and share stories.

Every time i ask the question to them about the jurisdiction they cannot answer.

 

 

Here is what i got back from My Coyle himself so you can see

 

- I am not the best person to express any views on the way the banks treat you and I can say that the sentiments you have expressed are not uncommon! ( so why are they representing these stupid banks then ) !!!

 

From a UK perspective, I can assure you that:

 

1. We are fully regulated in all our activities (including debt collection) by the Solicitors Regulation Authority;

 

2. In relation to our debt collection services we are exempt from direct regulation from the Financial Conduct Authority

– it’s a bit of a minefield,

but if you can access the FCA’s Perimeter Guidance Manual online,

you will find the solicitor’s exemption at 5 (b) of PERG 2.8.7C;

 

3. Tracing Services are no longer regulated by the FCA at all (under the previous Office of Fair Trading regime, debt collection companies, but not solicitors, were regulated) but our services are carried out in line with the Code of Practice issued by the Credit Services Association which itself ensures compliance with our statutory obligations under the Data Protection Act;

 

We are handling thousands of accounts here (RAK Bank is one of 10 banks we act for in the middle east) and, regrettably but inevitably, the service which bank customers receive is not as pristine as you might expect if you were buying a new car, or anything else more pleasant for that matter.

 

My job is to ensure that our banking team work ethically, compliantly and efficiently for the benefit of our banking clients. Sometimes, I’m afraid, the volume of traffic being handled by our team does not allow for every single question posed by a bank customer to be answered. That appears to be the case here but I’m more than happy to answer any additional queries you have over the telephone if you wish.

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  • 3 years later...

Hello everyone it’s beem a while. Any updates. I have seen now IDRWW operated by Mr Coyle of CWD are active and have already contacted me with the usual BS

I’ve contacted again the FCA and also local MP as I feel 2019 should be raise awareness if these companies not following the rules

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  • 3 months later...

Dealt with CWD a few years back and after advice from dx100uk I’ve never heard from them again.

 

9 years of abuse from Dubai collections agencies I’ve managed to deal with them also. Now IDRWW tried there luck but  have told them unless they purchase the debt and it’s taken to court please don’t contact me.

Debt is at 500,000aed

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  • 1 month later...

Not as embarrassing as being sat in work and having a fax come though to your director saying they are searching for me as I owe money !

 

Then my partner at work which is how she found out.

 

That said 9 years I have battled them all and will continue.

 

As for CWD and IDRWW there will come a time and I am happy to stand up them all with a group of all of us. 

 

I’m still trying with local MPs and FO

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  • 2 weeks later...

I am going to raise this again with the FO tomorrow and my local MP.

This is not on at all and no way fair.

 

I am also going to message all my contacts at step change and other debt charities to let them know this. 

 

Regardless of situation it cannot be right that they allow a debt to be collected here that has not even been passed in the courts in the UAE firstly and then using ruthless agents who go against all collection laws possible.

Double standards ! 

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Hi. Just to update everyone. 

I have contacted the BBC watchdog (I have a contact there)

also sent letter to SRA and the FO and ccd in all step change etc. I feel they all need to know this story in a sense that Cwd and IDRWW are not acting fairly in someways. 

 

I also received this message from an advice person high up Quoting

 

Thank you for your email.

 

“A non-UK creditor can contact you in the UK, either directly or by using UK-based agents to collect the debt. They also may be able to take action using the UK courts. To do this they would usually need to get a court judgement (the equivalent of the CCJ/decree) in UAE first, then start a second claim in the UK and get a judgement before they can enforce the debt.

 

If a debt originates outside of the UK it is not likely to be covered by UK regulators or ombudsmen, so if there are any legal disputes you will need specialist help. We would suggest getting independent legal advice from Citizens Advice Bureau or the Law Centre.

 

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I’ve fired an email this morning again and copied in the SRA, Step change, FO And the FCA.

I will continue to send this until I am heard.

 

I will not have Mr Coyle and his partners (ones who called me at my work and were working as debt collectors under the CWD name) get away with acting unlawfully knowing full well people here do not know the full story of debt in Dubai. 

 

The SRA especially need to do some research into this and instruct somehow those judges who sit in small claims courts to understand there is a lot more to this story and believe me there is plenty. 

 

It cannot go unnoticed any longer and not allow CWD to win these cases without anyone knowing the full story.

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  • 2 months later...

My last correspondence with IDRWW was in January of this year and after my last letter saying to them telling them to show me what you can do or indeed get Mr Coyle from CWD to get in touch then I will reply I have heard nothing again.

 

I want for the next round from them or the others from Dubai its a fun game (also all other debt collection agencies in Dubai which seemed to have backed off a little )

 

I am the same 11 years ago from Dubai now and 6 years ago someone from CWD (when they were getting excited and starting out) had the cheek to call me at work to which I took them to the cleaners !! for breaking every rule possible.

 

It was only when i seen an email then from IDRWW using there offices that I knew what he was trying to do 

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  • 1 month later...

I’m fighting IDRWW and CWD and I’m looking into taking CWD to court also for their 9 years of unprofessional abuse on the back of DCA in Dubai also.

 

Latest update is I received an email from IDRWW one Mr Letheren who was also with CWD who contacted me in 2014 so I’m guessing he’s moved over to IDRWW.

 

The email contained a document that you cannot open and have to request a pin !! 

 

Ive repeatedly told them I will not entertain anything until this debt has been bought with all 4 banks and they issue court summons then I shall file my defence with 9 years of evidence from the abuse received. 

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  • 4 weeks later...

I think it maybe only a matte of time for me also although different circumstances 

 

on another note after 3 years the FO have finally acknowledged my complaint and the daily mail and the FO have written to Mr Coyle and indeed IDR.

 

It seems that now they are using solicitors as debt collectors without titles and without signing off emails very shady and very dodgy ! 

 

I will certainly update you once I get my feedback 

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