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    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
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gjash

X4l Avoid admin fee and still use gym?

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Hi,

 

I've just found myself in a situation, whereby I was caught without money in my account on the day by DD was due - and now I'm being charged the £25.

 

However, I would like to carry on using the gym, - and not pay the £25 - is that possible?

 

Very annoyed, as I really am enjoying the gym - particularly because it's a good hobby when I don't have much money!

 

However, my integrity is swelling, and I can't bring myself to let them rob me.

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without cancelling the DD there is little you can do to prevent harlands from grabbing the unlawful fee.

 

see what slick132 suggests..


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Hi Gjash and welcome to CAG

 

If you leave the DD active, Harlands will use it to collect their admin fee plus the ongoing monthly fees. So, if you want to continue to use the gym, you may have to pay Harlands fee.

 

If you can't afford this, you must cancel the DD mandate immediately or Harlands WILL try to use it to collect what they want.

 

Also, if the DD bounces as UNPAID, your bank will also stitch you up with THEIR admin fee each time.

 

Asking the gym manager or Head Office to intervene and tell Harlands to clear off is not going to work. The gym would leave you to rot in Harland's Hell !!

 

If you can't afford, or don't want, to pay the admin fee - cancel the DD mandate and we'll help you deal with Harlands and the abuse you'll get from them and CRS (their DCA alter-ego).

 

:-)


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