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    • Write the letter. It's important that you put this in writing so that you have a paper trail. Send the letter by recorded first class delivery. Explain that because of the defect in the bundle which has manifested itself within 30 days – always refer to the bundle – you are now rejecting it under the consumer rights act 2015 and that you require a refund and you want to know what their arrangements will be for providing you with this. You can also send this by email – but do it straight away. This reserves your rights and after that you have some flexibility as to how you want to act. I understand that they are uncooperative. No surprises. Don't imagine either that they will be fazed by your letter – but the important thing is that you are able to show that you are asserting your rights. After that, they are acting unlawfully We will help you make a claim against them and I suppose that will involve threatening to sue them and maybe even going on to sue them. You will find interesting and you will acquire some transferable skills which will enable you to sue anybody else who gets in your way with a degree of confidence. However, it might be a good idea to mitigate your loss and I would suggest that you accept the money that they have put on the table but make sure that they understand that you are accepting it and you are happy with it and you consider that they still owe you the outstanding £70. If you are asked to sign anything then you should decline and then we will help you claim for the whole lot. However if they don't ask you to sign for anything, then make sure that they have a letter from you at the same time saying thanks very much do for the £250. You are accepting it but this should not be taken as an indication that you are now relinquishing your claim to the rest of the money. Tell us what you want to do – with you want to take the 250 or whether you want to simply reject the lot and claim for the lot. If you want to take the 250 – which I suggest that you do – and if they will give you the money despite the fact that you are still reserve your rights in respect of the balance, then come back here when you have that money and we will help you with the rest. If they refuse to give you the money unless you agree that it is in full settlement, then that becomes very interesting because it becomes very clear evidence that they are beating their obligations under the consumer rights act – and this gives you even greater leverage over them when you decide to confront them. The advantage of mitigating your loss is that there is less to sue for and that means that your court fees will be less – although you will get these back anyway when you win. Also, because they are only fighting to hang onto £70, they are more likely to put their hands up once they know you're serious. There is absolutely nothing to lose and everything to gain by taking the money that is available on the table subject to the reservation which I've indicated above.
    • Yes she might well have sunk the VCS ship, or put it on the rocks as it rehashes old stuff introduces nothing new.
    • Hello BF   As you caught, yes both items (console with digital game download) bought from GAME as an advertised bundle (still got screengrabs of the bundle/ad).   No letter sent but I did actually quote that specific 2015 act when trying to return it in-store. I was scrolling away online looking at consumer advice on my mobile as the manager was testing the console. It fell on the deaf ears of the store manager who wasn't entertaining the return/my query at all. They just kept saying there is nothing technically wrong with the console. I'd question whether the manager even knows about the CRA2015 considering their response/the lack of engagement.   I've not done anything formally but I'll write a letter. The store said I can pick up with customer services. I've went more along the lines of escalating from store to area manager. Their website is quite specific that in-store returns can only be made in-store. I'm awaiting a call from area manager next week but after todays update that they will withhold £70 I'm expecting a similar response.   It cost £250 in total. I traded in an old playstation as part of the deal. £100 trade-in value and £150 by debit card. For clarity I'm not expecting £250 back via debit. But £100 store credit and the £150 debit refunded was my sole expectation.   Thanks very much btw!
    • total rubbish   read me   dx  
    • Hang on I understand now that you bought it from Game. Please will you address the rest of the questions. Also how did you pay? Did you pay by cash?
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UAE Personal Loan - Debt


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Hi, looking for advice and answers if possible.

 

Situation:

 

I took out a personal loan with a UAE bank but was unfortunately made redundant.  I left the UAE during my 3 month notice period due to the fact people tend to be arrested/ imprisoned/ or prevented from leaving the country if they are unable to pay off all debt immediately.

 

I left what money I could in my account so as to be able to service the debt whilst I searched for employment.  I have now been informed that the sum I left has been immediately put against the debt and they require payments to start immediately to cover the remainder of the loan.  In the email I received I note that Tahseel was also included.  I further noted that I have been locked out of my account and therefore have no visibility of what I owe etc.  On trying to log in via the Bank App a message in Arabic appeared from AD Police; not a good sign but supports my decision to leave the country.

 

The email I have received from Tahseel states

 

Dear XXXXXX,

As per the banks update , your End of Service amount has already been adjusted towards the outstanding balance and it won’t be considered as monthly installments. As your file is in final legal stage, you need to pay an amount of AED 4000 for now to hold further legal proceedings from the bank. 

Once this payment reflects in your account, we can initiate the request to provide you an extension for further payments subject to approval from the bank.

 

I am a UK national with no assets in the UK though I do receive a UK military pension.  I am currently living with my parents and have deleted LinkedIn etc.  I intend to repay the debt (£135k) but can’t at the rate agreed as even if I get a job it will be SIGNIFICANTLY less than my UAE salary.

 

My questions are:

 

  • should I send the 4,000 AED?
  • what action do you suggest I take?

 

My initial thoughts are the 4000 AED is to cover costs for Tahseel rather than make any payment to the bank.

 

Many thanks for any advice

 

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there are as you can see 100's of threads here regarding UAE debt, the best thing you can do is read a good few 10's of them.

 

as for any powerless DCA from what ever country they are from you are totally safe to ignore them.

 

the bottom line is you must, in writing, (do not use email) always keep the original bank informed of your current and correct UK address should you move.

if you've not done this to date, then do so today.

 

then sit back and await to see if you eventually ever get a Letter of claim.

 

i wouldn't be rushing to pay anyone anything.

 

 

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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dx100uk many thanks.  I am trying to get an actual address that I can send a letter, informing them of my address in the UK but they will not reply; currently I only have an email contact whom I have informed that I will NOT communicate via a DCA.

 

I have asked them to send me the loan agreement and current statement of my account.  No reply.

 

Should I send them my mailing address via email?  This is my parents house where I am staying due to my current circumstances.

 

Do you have any advice reference the physical address issue?

 

Brgds

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email directly to the bank only, that will suffice for now with your parents address, but don't tell them anything else, like you are sofa surfing and will eventually get your own place, none of their business till you are settled elsewhere.

 

ignore the DCA totally.

yours is not the next move now.

sit back and wait.

 

but get reading here as many UAE threads as possible...the more you read the stronger we become.

 

 

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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dx100uk done and many thanks for your advice.  As you state, I shall await any further communication from the bank.

 

I have asked a former colleague to source an actual address having not been able to find one ANYWHERE online for First Abu Dhabi (FAB) Bank.  Once I have one that is how I shall communicate going forward.

 

Brgds

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