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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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2 UAE Card Debts - now a letter of claim from J&P


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Hi

I have a couple of credit card debts from Dubai, one of which I'm getting hassled about via email by IDR.

They said they got my email details via a credit agency....(its the same email as the bank would've given them!)

my thought is, that really we're in a stalemate. I have no assets and work as a freelance (ie they cant take any wages if it came to it)

therefore why would they spend cash as its not their debt, to take me to court. and on top of that what would it achieve?

Im sure im being simplistic but what have I got to actually fear?

Thanks in advance

dubai 5-0

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nothing....

 

other than insuring their client is informed by you of your correct and current address in writing.

 

 

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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thanks for the reply dx.

 

I can send a letter to the UAE direct to the collections department

 

. You never know with these places they are so poorly organised. You'd recommend this rather than sending it to IDR?

 

Also what evidence should I retain of this?

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send a simple letter ref the A/C number only informing the BANK of you correct and current address.

 

you ignore the powerless DCA until/unless you get a letter of claim.

 

plenty of like threads to read here on CAG to read.

our search is top right in the red banner 

 

 

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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many thanks DX I will do follow this advice. 

 

one comment on what I've read on here. IDR  / the banks seem to rely on the non exclusive jurisdiction clause.

 

However surely that would mean once its been through court here, it would no longer be active in UAE.

 

Of course that is not how they work ie they would go for both UK and UAE if you ever returned.

 

Is there not a way of highlighting and fighting there use of this clause on that basis?

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not seen it.

think you are over thinking things here.

 

 

 

 

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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Doesn’t mean anything if it’s not been passed through the correct procedures in the UAE and through central bank. Listen to DX they don’t own the debt !! The debt is still with the banks 

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Hi Dubai 5.0,

 

I've read all the threads on this as I'm in the same boat myself, however, I'm not a UK resident/citizen and have never lived in the UK (currently in Oz) so they can't really do anything.

 

They have however, bankrupted a good few people that do live in the UK. Search the bank names below and you'll see a few dozen but given the amount of people that left the UAE with debt, this is a tiny minority. 

https://www.thegazette.co.uk/insolvency

 

If you have no assets, you have no worries as the court costs are expensive, especially if the chance of recovery are low. Just bear that in mind down the road if you were to buy a house in your name, you might be worth coming after. If your debt was low, I'd just try to settle it with the UAE bank (they will usually knock off all the added interest).

 

If your debt is large, however, like mine, best to ignore them and wait out the 10/15 years statute of limitations.

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Looking through my old emails (I hadn't received one from IDR for a while and assumed they'd just gone quiet) and I notice that I'd received a couple direct from the bank in dubai making offers with discounts etc. does this suggest IDR handed back the account or am I reading too much into it?

 

previously when the bank stopped sending me mails was when I started receiving them from IDR

Edited by dubai 5 0
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On 08/03/2021 at 12:31, dx100uk said:

send a simple letter ref the A/C number only informing the BANK of you correct and current address.

 

you ignore the powerless DCA until/unless you get a letter of claim.

 

plenty of like threads to read here on CAG to read.

our search is top right in the red banner 

 

 

 

as long as both of you have done as above

i would be blocking and bouncing all emails 

 

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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  • 1 year later...

I have two cards which im in large debt to. One is emirates nbd which iDR disappeared from hassling me probably as I have no assets

 

im now being chased by another JandP. the amount has doubled, I have little interest in dealing with this one.

 

Thing is

my other card , the bank in UAE have been contacting me saying moriarty will get in touch.

 

Moriarty haven't said anything and that was said to me in march.

 

Now the bank are offering to give me a payment plan minus interest (they haven't been adding any on anyway which is quite decent of them)

Should I get in touch to find out more?

Can I get in touch to find out without giving them some rope to hang me with?

 

or should I just hang tight?

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  • dx100uk changed the title to Dubai Debts - 2 credit cards

old and new threads merged

 

i would hope this is by writing and not email?

 

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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so you havent implemented the advice regarding email comms given 6mts ago then?

did you write to the bank giving your address now?

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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yes you can

gotto your the webportal for your email and log in and do it there.

 

you are not legally required to respond nor read any email comms.

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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  • 3 months later...

Hello all,

I've been on here before with regards my credit card debt and have now received a pap loc letter from J and P. obviously there is a great deal of interest added on.

I will download the reply letter that is on here but what reason can I give for the dispute?

Thanks in advance.

 

 

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There is not one.

Use the default there already.

 

When did did you last pay or use this card?

 

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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Ok so years away from statue barred.

 

Not seen any UAE court claim involving JP I don't think.

 

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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