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    • as you have appealed you have lost certain protections in law but that doesnt change the law of contract. if you live close to the site or visit there can you please take some pictures of the car park entrance, any signs there and any signs inside the car park plus more importantly pictures of the offending payment machine. You can pretend to enter something to show what you can and cant see to highlight the problem and use this stick of their to beat them with. They dont ahve a hope in hell in enforcing this  but being  a buch of litigious and greedy cowboys they will, unjfortunately not see reason. what did their rejecton letter say? No IPC member ever accepts an appeal and nor do the IAS, they are not honest brokers so dotn be put off by this. Please redact any personal information and that will include car reg and any reference numbers, bar codes QR codes etc   If you still have the ticket even better as it show that you paid and then any other demand they make as a condition of parking is of no real consequence
    • Have had phone contact from the court. Judge has sent a court date of mid August, as he wants to see how to proceed in light of the "mystery" discontinuation form. As far as I'm aware, he requires all to attend on the date. I do need to double check the attendance requirements though, as I'm not at home to see the actual letter notification.
    • One from the newspapers, a motorist who took time to change his baby's nappy before feeding the meter at Sutton Harbour, Plymouth was sued by Britannia parking but the judge threw out the claim becuse "neither the sign or the small print made it sufficiently clear that the time started when entering the car park". Now as usual the paper refers to a "fine" and  it has been commented on before by judges tht the clock doesnt start when you enter the car park but should only take into account the actual parking period and hence the MINIMUM 10 minute grace period. So peeps, look at the wording fo the signage and if there isnt a clear definition of the grace period no binding contract! Will they change their ANPR systems to reflect this? Of course not, the majority of people will pay up even though the charge is unlawful.
    • yous is the reason already there
    • Purely out of curiosity, if I don't pay and go to court will the fine be more if i'm found guilty?   
  • Our picks

    • 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

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I know there are a few threads on similar subjects here, but wanted to set out my exact circumstances to see if anybody could advise on my next course of action.

 

The usual story, lived in the UAE for four years, topped up a loan to pay for accommodation and expenses.

That was all fine before I was made redundant in early 2017.

With accounts frozen, felt I had no choice but to get my stuff together and return to the UK.

Debt is around 100,000 AED.

 

I've had all of the normal emails, them trying to call me at my place of work, etc, but now appears they have enlisted the help of a UK company, International Debt Recovery, who I see ran a credit check on me, where I presume they got my address.

 

Have received a letter from them, where they namecheck HSBC Middle East and ask me to get in touch in the "next seven days".

I have since received a text message from them, too.

 

What are my options here?

I'm in no position to pay back the £ currently, and I understand that they're not exactly accommodating when it comes to payment plans.

I have taken on a mortgage since I returned to the UK with my wife, but that's only been in the last eight months and it is a first time buyer scheme, so very little/any equity has been built up.

 

Just looking for some advice really, have read elsewhere that people have ended up bankrupt over this, so must admit I'm slightly concerned.

 

Thanks in advance.

Edited by dx100uk
spacing

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read as many threads about UEA debt HERE ON CAG as you can.

 

I wouldn't be paying much attention to what you read elsewhere on certain sites...

it has been proved that most cases you read about whereby 'something' did happen..

were either patsy cases whereby the individual was paid far more money to allow it to happen behind the scenes ,, so these so called 'help' websites get your custom and sc@m yo on fees etc and ofcourse a backhander from whoever too.

 

or

 

they were ex employees or relatives but the same MO applies.

 

 

dx


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You certainly don't enter into any communications at this stage. If you responded, they would just increase the pressure on you, to come to an arrangement.

 

UAE statute of limitations from memory is 20 years, so the only thing you have to be cautious about, is the potential for the creditor to maintain contact over a number of years and then later to try to take action. By that time, the equity in your property may have increased. This is not to say the creditor would be successful with any court claim against you, but if you wanted peace of mind by getting shot of this debt, then you could contact the original creditor in the UAE to negotiate. You just don't deal with any Debt Collection Agency or any company that advertises online that they help with Dubai/UAE debts.


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

 

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Agree with the above. 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 *******s tried there luck but basically 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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Dont forget to update your thread too then..:madgrin:


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 there,

 

Thanks for the advice, great to have somewhere like this to get some feedback.

 

So, they've followed up with another letter outlining exactly what they claim I owe, so that's two letters, a text message and an email.

 

So is the overarching advice here just not to engage? Worth sending letters back, blocking emails, etc?

 

Thanks again

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I would certainly block and bounce email and put the texts to the usual spam reporting number.

 

as for the letters, no do not send them back.


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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Not worth the price of a stamp to engage with them, why do you think that these bandits get employed to chase you?

 

International law is a funny thing and the dca would never buy UAE debt becuase that would kill any chance of it being enforced.

 

Sounds perverse but that is because the law differs so much (there it can be a criminal matter and that prevents UK civil court considering anything) between there and here and there is no reciprocal arrangements.

 

they rely on telling you a load of bull to try and get you to agree soemthing that can become binding.

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Thanks very much for your advice, will keep you posted with any updates.

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They've tried to get in touch via phone - hung up on them, and now via text, which goes into more detail "contact has now been broke, vague threats, etc" so default next stage having confirmed who I am. This was accidental, kicking myself. 

 

Some pretty worrying threads on here over the last few months. I wouldn't be able to afford some of the court costs on here, let alone any alleged debt. 

 

 

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as told earlier

block and bounce all emails

as for text and phone

block as spam and the phone number

don't listen to their threats ..

cant do anything without writing first.

 

 


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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Winny Hill - certainly read a LOT of threads regarding UAE debt on here, you will soon realise that certain users (ahem "DX") have invested their whole life to "CAG" and their user history shows them on here almost 24/7.

 

This is not normal behaviour! So when certain users (ahem "DX") are proved wrong they can't admit it, because ego is involved. If anyone says anything against their advice they will be deleted because certain users are also "Site Team".

 

It's been proved that CAG don't know what the hell they're talking about when it comes to UAE extrajurisdiction cases, but like a man trying to read a map with his family in his Ford Mondeo, he can't admit he is wrong and can't lose face, so will continue to drive off in a crazy direction. Advice which won't affect them; but may well affect the innocent poster unaware of the massive site team ego that is CAG.

Be warned! 

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Anyone can sue anyone for anything in an english court

. It is only when  a defence is filed that the spurious claims fall apart and the first hurdle any of the overseas debt owners and their lackeys have to jump is showing locus standi as quite simply they dont have it.

 

Anyone getting into a detailed argument about the actual debt is missing the point and inviting them to drag things out longer than they need to be.

 

I have seen a few people posting here saying that the debts are enforceable but as yet havent seen a case where this has proven to be true.

 

The commonest debt surety in Dubai is actually a criminal offence in the UK so no court will entertain it.

 

It is not possible for a UAE bank to enforce a debt in the UK- that is the law but refer to the first line of this post

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Thanks for your reply. Just as an update: had a few phone calls and texts but that's been it. 

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you can report to the FCA as harassment but as they dont have a licence for consumer credit or for taking deposits the FCA cant punish them.

Dont let it stop you doing this and copying the complaint to your MP though

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