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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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Loulou79

Debt in Dubai IDRWW chasing

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wouldnt matter what you did.

theres no clear cut theory either way...wont ever stop the likes of irdww

however. opening yourself up to not being able to be written too and getting letters exposes you to further risks.

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Read the link in post 2.....IDRWW can be quite persistent...but follow the advice given and their harassment can be kept to a minimum. 


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My strategy for myself and others I have helped is to ignore them, just become a black hole, but save/collect everything.

 

The exception is if you get a letter before action or a County Court Claim pack, then report it here.

 

That happened only once out of maybe 14 cases and with the advice of this site I overcame the claim (the other party withdrew before going to court as they could not provide any paperwork, thanks CAG).

 

I have had one or two persistent players that have continued well beyond the Stat Bar time, I continue to ignore.

 

My collection of letters is now extensive and I treat it with the same reverence others hold for a stamp collection!

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Dxb- so only when I change my address should i contact IDRww to let them know in a basic letter that I have changed my address but do not know anything about the debt they are contacting me about? No signature, just my name and new address? 

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correct

might have gone dead by then....:bowl:😮


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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Jimmy- thank you! Tbh I have chucked all previous letters as they were always exactly the same. But I have kept the last two and will continue to keep. 

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41 minutes ago, Loulou79 said:

Jimmy- thank you! Tbh I have chucked all previous letters as they were always exactly the same. But I have kept the last two and will continue to keep. 

 

Just keep all correspondence from now on.

 

What I do is slice open the letter with a knife so it is neat, then staple the envelope to the back of the letter, assuming the contents are harmless I then file it in a foolscap cardboard folder.

 

The reason I keep the envelope is sometimes it has post date stamps (potentially useful) and also a return address on the back of the envelope.  This can sometimes be useful if you get a letter purporting to be from another organisation but having the same return address as another item.  (Often the case that a bank chases you, you ignore, they then pass the case "across the desk" to their internal debt collector which is one and the same bank with another name pretending to be a proper DCA but really the same people!).  Once you cotton on to this sort of trick it takes some of the anxiety out of seeing new parties writing to you.

 

 

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Ahhhh IDRWW and Mr Coyle and CWD !!!! 10 years of this rubbish don't worry like the guys here say the will do all they can.

 

My last correspondence with IDRWW was in January of this year and after my last letter saying to them basically 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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Hello All, 

I have also had an email from this company (attached) But looks like it's for a parking fine? Which was oddly addressed to my mum? Does anyone know anything about BW legal? Pretty sure I've never had a parking fine from the council. Just wondering if there is any connection.

Thanks

 

Screenshot_20190613-200634_Email.jpg

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Hi.

 

Yes, the BW Legal email looks like a private parking ticket. The best thing is to start a new thread in our private parking forum and tell us whatever you can. Please don't reply to BW until the parking guys here have had a look.

 

HB


Illegitimi non carborundum

 

 

 

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Thanks honeybee will do 😊

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start a new thread in the private parking forum and we can help you from there. read a load of threads and you will know a bit more about how they operate so then know a bit more about what we want from you ito be able to help.

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Thanks Eric's brother, I've sorted that issue now, called them from anonymous number and told them I have no parking fine and they took my email off their database which makes me think it was all a [problem] anyway! 

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it wasn't a fine!!


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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Hello everyone. Another letter for IDRww today. I have attached it. Please could someone put my mind at ease or advise? From all your advise before- I assume I still ignore. They are saying they are now going to advise their client to refer to solicitors. 

Thank you

Lou

20190617_153739.jpg

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its better you put letters up as a PDF please 

read upload

that way you have to be a member to download them

and we can see if the enemy are looking at your thread.

 

but anyway yes ofcourse you ignore that

its nothing more than a threat-o-gram.

 

I could recommend a washing powder to my wife

if she buys it or even listens to me is a totally different matter


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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It is the usual rubbish.

 

It is cunningly designed to frighten you because it uses some words designed to provoke an emotional response such as Bankruptcy, charging, Warrant etc.

 

If you read it carefully it can be summed up as follows:

 

1. You were wise enough not to engage with us before and we are a bit pissed about that.

 

2. Because we are pissed but can do nothing else we are trying to frighten you with all the things someone else COULD (but probably wouldn't) do with keywords. Only our client and his solicitor could if they had a case.

 

3. More keywords because we are still pissed you have not engaged with us.

 

4. We have advised our client (though we probably haven't) to refer to solicitors for legal action because 1). we have failed to scare or engage you and 2). we have no power to take legal action ourselves, only solicitors engaged by our clients could do that.

 

5. We want to help you (for which read we want to help ourselves) and please look at the list of other people who can help you because a). we may be legally obliged to refer you to third party help and b). some of those guys will advise you to engage with us rather than put us to strict proof.

 

This letter should be filed along with it's envelope.  No need to respond in any way or have any anxiety about this one.

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Hi 

 

apparently the limitation in uae is 10years so it would actually be statue barred now

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The limitation period for contractual claims in civil matters/contract disputes is 15 years (Article 473 of the UAE Civil Code). 

 

Its not statute barred.


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Yes, sorry I’m. It sure of the actual reference but there are different rules for different professions. (I’ll try and find the paragraph) just as an example it’s 3 years for teachers 

 

 

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I’ve seen that.  The defence from CWD to the court states 10 years.  And I’ve read somewhere that the rules (as such) can be different for different professions 

 

im trying to find it - I thought I had saved it

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sta are in with the other lot that we don't mention squaddy..

usa portal too..


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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