Jump to content


  • Tweets

  • Posts

    • Thousands more passengers could face delays or cancellations after an arson attack on France's train network on Friday.View the full article
    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

ENBD debt from 2017 - J&P Credit Solutions


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 389 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

Wonder if anyone can advise me.

 

I left Dubai in summer 2019, after arriving back in Feb 2015. I ended up losing my job whilst there and spent 6 months burning through my savings to continue paying my loans whilst looking for a new job.  I ran out of money and ultimately left the country with not a penny to my name.

 

Safe to say I’ve spent all the time since then trying to rebuild my life and make ends meet. I’ve received the same emails from ENBD collections since I left, every few months they send the same email which I’ve ignored. However recently they have gotten a solicitors here (judge & priestly) to chase me at my address which has changed a few times since I got back (this concerned me).

 

The debt is around £25k. I have attached the first email and then todays follow up email for your review. They also sent similar letters to my home address as well as texting and calling my phone. Feeling very concerned but also seeing many people online saying they are just trying to scare me into contacting them. I have ignored all communication from the bank since they started emailing me in 2020.

 

Very much appreciate any advice, thanks indeed.

 

Image.pdf

Image (1).pdf

Link to post
Share on other sites

lots of UAE debt threads to read here.

DO NOT RESPOND.

however if the BANK has not got your current and correct address from YOU in writing, by royal mail, then you must write to them informing them to protect against a backdoor ccj

for anything else read here only.

and await if / when a letter of claim

or

a statutory demand

or

a court claim arrives..

  • Like 1

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... 

Link to post
Share on other sites

Thanks very much, I have browsed some of the threads and appreciate your comments on all of them. I thought I was correct in ignoring but very pleased to see your confirmation on this particular case.

 

If J&P have my current home address then does this mean the bank do also? I did not share it with them and have not shared any info with them since I took the credit. They have my old old old address in UK which I have advised the people there the situation and they will return all mail.

 

Thank you once again!

Link to post
Share on other sites

stop following freemen of the land twaddle

do not return the letters..

 

anyone with a consumer credit licence can get your current address form your credit file BUT that does 'LEGALLY' mean YOU have informed the BANK, the original creditor in writing where you now live.. so an old address could legally be used to raise a claim and returning letters is not protection against backdoor litigation.

 

you MUST write to the bank ASAP. protect your six.

 

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... 

Link to post
Share on other sites

Understand. Writing to the bank in UAE sharing my home address in UK, doesn’t this give the bank direct knowledge to then push legal proceedings?

 

Thanks.

Edited by Ladybug09
Link to post
Share on other sites

and youd rather  a might than a will for a backdoor one?

 

dx

never ever run from debt!!

 

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... 

Link to post
Share on other sites

  • 1 month later...

You will notice a lot of " mays " in that threat o gram.....is there an actual letter of claim attached ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

is there a reply pack with various questions and wanting an I&E sheet filled out too

like the PDF in post 5 if hit you click this letter of claim

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... 

Link to post
Share on other sites

Read through your thread dubai 5 0 - am I right in saying I should ignore it? Or respond with my details? I actually own nothing aside from a seriously old car worth about a grand. Recently got a second hand car on finance so not even the owner of that for another 3 years.

Link to post
Share on other sites

The guys on here are the experts so I would take much more credence of what they say than me. my tuppence happens is when the amount is larger the chances that requesting a load of documents stopping their activity could be seen as simply kicking the can down the road.

Edited by dubai 5 0
waffle!
  • Haha 1
Link to post
Share on other sites

yes thats a letter of claim

you DONT ignore it..:frusty:

hit letter of claim

follow post 5 there.

dx

 

  • Thanks 1

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... 

Link to post
Share on other sites

1 hour ago, Ladybug09 said:

can you please READ our upload guide

and use the PDFmerge site to put those all in ONE multipage PDF.

else we'll be here allday downloading single page files..:whistle:

  • Thanks 1

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... 

Link to post
Share on other sites

Roger that. Thank you dx.

Completing the form given in your directed thread - couple of questions if I may..

I am not to give my personal contact details on the form including number, address, email, and you mention signature also. Does that mean don't write anything next to where it says signature or just don't give your real signature?

There is a reference number tied to my 'case' which I assume I do need to add to the reply form?

Apologies for the probably stupid questions but want to make sure I do this correctly.

Many Thanks indeed.

Link to post
Share on other sites

read the guide carefully....use the PDF there NOT return their sent forums.

ofcourse you need to give them your name and address and their ref no.!!

you type your name as advised in the guide.

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... 

Link to post
Share on other sites

1 hour ago, dubai 5 0 said:

The guys on here are the experts so I would take much more credence of what they say than me. my tuppence happens is when the amount is larger the chances that requesting a load of documents stopping their activity could be seen as simply kicking the can down the road.

I would have to agree whether you complete it or not with this type of debt will have no bearing on whether they issue a claim or not apart from having more of your  confirmed details. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...