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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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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Dubai debt transferred from IDR to J&P


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Hi guys I wonder if any one can help me,

I have been reading through some forums and still a little confused as to how I need to go about my situation .. 

I took a loan out with Emirates NBD of around 155,000 AED in 2020.

I moved back to the UK without settling my debt end of 2020

fast forward today I received a letter from judge&preistley solicitors advising I owe approx 245,000 AED which is like 50k guessing it’s inflated crap loads with the interest 😭

How do I go about getting my loan contract and is there any option to settle this at an agreed payment like am I able to make any offers??

Do they accept all offers -

Do I respond do J&P

I’m so worried.

I’m also blacklisted from there so would this lift my ban once this is paid off?

Any help would be appreciated 

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as long as you have informed the BANK of your correct and current address in WRITING to protect against a backdoor CCJ or other litigation you can ignore J&P until/unless you ever get a letter of claim or an SD or a court claim by remote chance.

the best thing you can do is read as many IRDWW thread here as you can get upto speed and most of your fears will go.

but you must inform the bank asap. no harm in trying to negotiate with them not J&P.

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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Thank you so much

- I have changed address which the bank has not been notified about but J&P are aware off should I notify the bank of my new address?

Also Should I send them a letter in trying to resolve this or an email directly to NBD?

Thank you 

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Yes you MUST inform the bank of your new address as DX says.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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never use nor give them an email.

dx

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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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Hey I’m not too sure I’m so sorry, I don’t have a mortgage 

May I ask what do I state on the letter when notifying them of my address change - do I just give my full name, I don’t know what other details to provide them with?

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mortgages are immaterial.

the letter needs obviously their account number you have with them stated

but thats all you need to say.

please note my correct and current address as above.

dx

 

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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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Hey, can I just ask,

I keep getting texts from J&P,

which I’ve ignored.

But will they get in contact with my work place since they’ve managed to get my number and my new address? 

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Debt collectors cannot contact family members, friends nor your employers. Only the person who owes the money can be contacted

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  • 2 months later...

If you visited Qatar you could be detained at the border, if the debt has been notified. 

If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.

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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

 

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

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 today I’ve recieved a letter from J&P after a long time

this time with forms attached to respond back about how much I can repay etc and that if I do not respond within 30 days court proceedings will apply

I had written to NBD bank to inform them of my new address and to resolve this matter last month,

 I haven’t had any confirmation or heard back from them.

Should I write to them again?

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Is this a letter of claim with a reply pack wanting i&e etc? 

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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Same. I’ve been asked for that by one of the other agencies before these started on me.

I ignored it and nothing ever happened.

Without a reply how can they even be sure it’s you. 🤷🏻‍♀️

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FWIW that is a letter Of Claim.

clearly says so page 2.

if you wish to reply..

then hit letter of claim follow post 5

dx

 

 

 

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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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