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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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GoldenGoose

ADCB/Moriarty claimform - UAE debt

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:rockon:


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

 

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Hi DX,

I have now received confirmation email that the mediation call will take place on 31/1/20, it gives me all the details to prepare for the call however, this call is made to me and not me calling them!

 

When they call do I then say I have not been provided with enough details to continue with the call?

If so it does suggest in the email that I do this prior to their call.

Cheers

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enough information to make an informed decision upon to agree to mediation 


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

 

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I don’t have enough information to make an informed decision no! But still time for them to send I suppose

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Would I wait until the call or call them prior to advise ?

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no you wait.

dx


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

 

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Ok, I will wait for the call and then tell Unfortunately I do not have enough information to make an informed decision!

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Just had the mediation call and said I havent been provided with enough information to make an informed decision. She is now going to speak with the solicitor to find out what information they can provide and when they will provide it and call me back in 10 minutes!!! 

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she called back and said the following:

whilst they recognise they haven’t provided all the documents I have requested,  they do have my a signed agreement with adcb which mentions the laws can be enforced in other countries, passport copy, residency permit and letter from old employer to show this is my debt,

 

I said without the information I have requested I am not in a position to proceed with mediation, I then provided her with the list of documentation I have requested and the date it was requested!!!

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Leave it with her...the claim will proceed to court directions now.


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Now I have received photocopies of the documents they have and a letter mentioning this is for an overdraft and the other 2 are credit cards, the documents are my passport, residency, adcb account application, company letter for opening account, 2 page statement of accounts.

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so an application form not a signed agreement?

I think one of the other adcb threads has one of those in.

 

dx


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

 

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Yes just the application form, there is a form in Arabic but it has no details on it, no signed agreement, and final statement from January 2014.

 

Would I be safe to assume that this is all they have? its t same documents the mediator said? 
surely they would turn up in court with this information! Or is this why they don’t turn up ??

 

See attached as to what docs they have sent, obviously there is more to the documents but its all personal details that I would need to redact so just copied the only parts that are in english. Also my passport copy, residency, company letter and final statement.

ADCB Moriarty Mediation.pdf ADCB Application.pdf Declaration CC.pdf

 

Also just to add, the closing balance is at 0.00, last military recording was 2014 at 450aed which by today’s exchange rate is £93?

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2 files have no upload correctly.

 

the mediator wont under the diff between an application form or a signed agreement.

 

regardless to the case, or what docs they hold or don't, moriarty never turn up in court on any court claims their client get them to admininster

its the way they work, cheap and nasty as 85% of people never bother to respond to a court claim anyway

its a numbers game and very profitable .

 

they cant just rockup with other docs at the hearing anyway, they must be disclosed at the witness statement stage 14 days before any court hearing.

same for you.


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

 

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Thanks for that DX not sure what’s happened with those 2 files, nothing interesting anyway!

so if they don’t turn up in court does the judge strike it out??

if so does that mean this case is settled and no comebacks ?

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if your WS is good enough yes he will dismiss the case as they'll be no-one there to argue against what you state

 

and no they can't have a 2nd bit of the same cherry in the UK court system.

 


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

 

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Whats a WS, Witness Statement??

 

Can you point me to any on the forum that I could adapt and start preparing, I find it difficult to navigate and find things for some reason.

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always best to stick to CAG not other forums

 

use our custom google search box that comes up after hitting our top squares logo.

 

that will list (after a few obligatory adverts at the top}

 

any threads here containing the words you search for.

say 

abcd witness statement

or 

UAE witness statement

or just 

witness statement

 

to get the idea of what it entails and its format

 

however I would seriously consider exploiting your LiP status here

and await their WS then use yours to rip theirs apart

that would be an almost guaranteed win as they don't turn up !!

 

 


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

 

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Sorry DX I meant on the CAG forum, wouldn't consider going anywhere else!!

 

Im clicking the Squares logo and typing in witness statement but I just get our threads no others??

 

 

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So does there witness statement and mine have to be presented 14 days before court?

 

If so how long do I wait, I assume I wait till the last possible day, if so and assuming they do the same what would my witness statement consist of?? is it based on the claim they have presented?

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whats the hearing date?

you haven't got one yet have you?
 

can I just ensure that you did not send moriarty a copy of the N180 with you phone/sig/email on it did you?

 

 


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

 

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No hearing date yet.

 

The N180 sent to Moriarty did not have Phone/Sig or email as I questioned this and you explained correctly that a copy with details goes to court and copy without personal goes to Moriarty.

 

Last thing I want is that info going to Moriarty to hound me forever in a day!!

 

Cheers DX

 

 

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All gone quite how long does it normally take for court date??

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depends upon the  workload of the mediation service.

 

time to get reading up between stages 

 


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

 

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