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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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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.

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Welcome/coast financial


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Hi post

local manager just turned up at my door and said why wont you pay so told him because my acc is in dispute due to non cca and he said compliance dont hold that we do at the local branch,i will get it in the post to you and we will call you on monday to discuss it.

surely compliance would hold a copy of my cca if they had it wouldnt they.

regards

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More Bs From Welcome Again

 

Agreements Are Held On A Z Drive At Compliance In Notingham

 

The Local Office Might, And I Mean Might Have A Copy But I Doubt It

 

Dont Be Surprised If They Now Send You A Reconstructed Agreement And Try To Say They Have Complied With Your Cca Request

 

Cretins

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hi post

the same as what compliance done then,

also he said are you using a company to do this or are you doing it yourself so i said myself just to see if they send me my cca but if they do it will probably be naughty as they havent complied yet.

 

what do you think post

 

regards

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Hi All

Letter Received From Welcome Yesterday Saying

 

Thankyou For You Letter Of 16th November 2009 Regarding Your Recent Complaint- Missold Ppi And Non Cca

 

The Issues You Have Raised Are Still Under Investigation And We Hope To Have A Final Response Sent To You In Due Course.i Would Like To Take This Opportunity To Thank You For Your Patience In This Matter.

 

Your Sincerely

 

Customer Complaints Department

 

So Wheres My Cca Then

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they send me a letter telling me they cant supply my cca

then say they have got it and will print it off and send it

i just dont think they have it or it is a very bad cca and they dont want to show it

good luck to you also leelakey07

 

local branch manager said that cca would be here before Saturday 1st class recorded delivery so they could phone me on Monday and discuss where to go from there.

 

i have now switched off from them as realised it was almost my payment date when he called suprise suprise.

 

anyway postg good luck with the op and hope your ok over Christmas

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hi post

i think compliance already tried the reconstructed one when they said we should provide you with a copy of your cca but cant at this time.

i have included the link to them on photobucket

could you look at it when you get a chance and let me know if thats what it is.

regards edwi

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The CCA 1974 rules all loans regardless of who the lender is, that is loans originally under £25000.

 

You said Welcome Finance said "your loan is not covered by the CCA as it was for Financial Institutions only". This is not true.

 

They have to abide by the rulles as well.

 

After 30 days, they cannot enforce the loan anyway.

The agreement should have all the prescribed terms in it and the s77 request means all documents connected with the agreements also.

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hi post

dont know when you are back but as i said i will let you know when i hear anything and yes you was right they dont have my agreement.

 

i have put below todays events and hope you are comfortable.

 

i have just phoned compliance and told them to remove my telephone number from their systems because i am sick and tired of the local branch calling and being mouthy

 

i asked where my cca was he said it will be your local branch that gives you that

i said funny that he just told me only compliance can do that.

 

he said well i will phone him after this conversation.

 

he said we cannot locate your true cca thats why we sent you a reconstituted one.

 

i said you will need a true one to enforce it in court,

he said we can prove you had the money.

 

the thing is im not disputing i had any money but what i am disputing in the discrepancies ie interest and mis sold pPI ECT.

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