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    • Hello and thanks for taking the time out to review my problem.    I was at an ATM I use occasionally. Plugged in PIN and amount, the cash machine whirred opened and closed a few times then said ‘thanks for using’.    I contacted my bank immediately and they have started a dispute. This seems to be a common problem from what I gather reading about this now it’s happened to me.   It seems a bit odd that I have to wait so long to get my money back, if I get it back at all.   Surely they should be able to check the camera and see that there was obviously something wrong and no money dispensed?    is there anything I need to know so I don’t get shafted here by the ATM owner or by the bank dispute?
    • but they didn't remove them 'because' you agreed to pay or continue to pay + i bet they are over 6yrs old anyway and thats why they were removed.     who were 'they' you complained too..
    • they didn't Lloyds did upon or before sale,    anything that they can use to ID its YOU here on CAG, inc AC / ref no's and QR or Barcodes or little numbers down the edges. leave all figures dates etc etc .
    • Trouble is I cant do that though - I absolutely have to be able to get a mortgage at the end of this year and if theres a DMP or "arrange to pay" on it then I cant.   Understand the ones past the default + 6 years cant start reporting but I assume by your answers that the ones that dont have a default date can. This effectively means I will need to carry on paying those 4. I am thinking stop the DMP - make a personal arrangement with the 4 that arent defaulted. At least it will have more than halved the payment - unless there is a way of guaranteeing that they wont re-appear.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Moriarty Law and ADCB - insistent chasers...


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Hello,

 

Apologies as I know this topic has been done to death but I find myself in a situation I can't seem to find another example of?

 

Around 12 months ago, Moriarty Law contacted me about a supposed debt relating to my ADCB current account in Dubai. Nearly all current accounts come with an attached credit card (turns out they don't but one of the pages in the initial application that you're asked to sign is actually for opening a CC.... I know, should have been more studious with reading).

 

Thanks to this forum, last year I downloaded the "Prove It" letter and sent to Moriarty. After hearing nothing at all for 11 and a half of those months, yesterday a big parcel arrived containing the pages from the original account opening app with my signature all over it, a copy of my passport and residency visa from that time and bank statements for the whole 5 years I had the current account with ADCB.

 

Looking at the amount owed, it translated to around GBP5,000 at such time as ADCB passed it to ML and now they have inflated it to GBP10,000 using a combination of mystery charges and a made-up exchange rate between AED/GBP.

 

I'm wondering what my next move should be as others seeking help from this forum usually see a Prove It letter to be enough to shoo the DCA away. Sadly in my case, there's 3kg of paper on my desk that very much proves it.

 

Also I'm a director of a UK Ltd company now so would like to avoid anything that may sully that.
 

Any advice gratefully received, thanks very much!

 

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the prove it letter should be removed as its totally useless and simply invites letter tennis.

 

however in your case it might have done one good thing and thats legally inform ML of your correct and current address, protecting against a backdoor CCJ to an older UK address if there ever was one.

ignore them until/unless they send a letter of claim and the reply pack

then comeback here.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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