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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Idr/J&P Emirates NBD - credit card in Dubai


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https://www.consumeractiongroup.co.uk/topic/464817-dubai-debt-transferred-from-idr-to-jp/

have you heard anything else from JP? 

I have had the same situation.

Chased by IDR and now letters from J&P saying I owe the money in 7 days and they gave me the banks IBAN numbers to pay. 

I emailed the bank with my address and offer or monthly repayments and waiting to hear back. 

 

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When you say nothing?

Do you mean no court action etc? 
does it make a difference if I have no assets like a car or mortgage etc? and a tiny bit of savings which I’m living on since being made redundant last August and that runs out next month.

One thing I do worry is the house is in my wife’s name and they brought it before we got married and I didn’t out anything towards deposit.

Could they come after that? 

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@Ex expat3

nope I’ve not heard since!

I’ve sent a letter to NBD advising them of my address change and also like you’ve said an offer to what I can pay monthly .. still yet to hear from there! 


also I don’t think it would affect you with the house being in your wife’s name, since it’s hers that’s her asset 

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No need to respond to either of them. J and P are all bark no bite.

They sent me pre action protocol papers which I ignored.

a few weeks later the standard emails returned before disappearing altogether.

They will search your name on the land register.

if your name is on it then you probably head a little north on the list of people who they would want to chase.

If it doesn't then they wont.

therefore its your wife's name they will never know or bother.

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its not about a mortgage or no mortgage.

logic dictates that as they want to make money then they go after people with an asset they can identify and then apply their underhand tactics to put a charge on it or have you over a barrel to pay off the debt.

obviously its not automatic as there are so many people in this situation.

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4 hours ago, dubai 5 0 said:

They will search your name on the land register.

47 minutes ago, Pk2023 said:

I think it’s wild anyone can just search your name and find out where you live via land registry etc

not totally correct....

any DCA in the UK that are licenced via the FCA register can search credit files and find basic info about a person like address etc, basic credit rating/debts/judgements etc.

ANYONE can use Land registry to search an ADDRESS to get a copy of it's deeds. there is no name search.

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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I’ve been ignoring for years.

Last year they threatened to issue a court order.

I ignored and the letters have started again.

I believe (and hope) they have no leg to stand on and the letters will just keep coming forever in hope that people will pay up. Just ignore and get on with your life x

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  • 2 weeks later...

Has anyone had any updates? 


I had another email from J&P end of last week saying contact us please.

And I’ve not heard back from the bank.

But J&P said contact the bank and they will let you know why we are contacting you??

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I took out a credit card in Dubai while working there and left in 2016 and came back to the U.K. after being made redundant. 

I paid off the card for a few months until I had ran out of money.

When I went into the branch to discuss payment for plans they said if I didn’t pay it all off soon there would be a police case against me

- I started to get texts from the bank (which I still have) saying a cheque is needed or the police will be involved so I left the UAE. 
 

I have had letters from IDRWW and IDR legal and J&P now for the last year or so and I’ve ignored all.

I emailed the bank and said here are my circumstances and this is what I can afford

- I have no assets etc and currently not in work and this is my small disposable income. 


they have rejected it and also copied in J&P to the email but said I can start to make partial payments and here are the details. 

At a loss of what i am to do as it seems negotiations with the bank will be with J&P anyway now? 
 

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Unless you are returning there? Ignore them.

Stop talking to them via email too, bounce all their emails back as junk/spam and any text messages they send forward them to 7726 (SPAM) on your mobile phone.

If they ring, hang up.

 

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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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  • dx100uk changed the title to Idr/J&P Emirates NBD - credit card in Dubai

why are you at a loss?

without sounding rude people like you are giving them easy money and keeping them going...

.they are pestering everybody you simply dont need to answer?

Imagine their really mean emails are the same as all the other junk that turns up in your inbox but is totally inconsequential.

Then move on.

dont give little bits of money as all they want is to have you on a string and at some point you will be their very first target as you are so easy.

Just read this and I just want to clarify im not being rude to you I just want to tell you to stop worrying and your talking to them is exactly what they want and putting you in the firing line. they want low hanging fruit

 

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I don’t think you are being rude - I hear what you are saying. 
 

i meant that it just feels impossible to deal with the bank directly which is what a lot of advice have said now that NBD copied in the person from J&P. 
I do not have any intention of dealing with J&P or IDR as there is nothing for them to take anyway. 

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they cant 'take away' anything, what ever makes you believe that? :noidea:

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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for want of clarity for future readers , you MUST ensure you always update the bank in WRITING not by email/phone/chat/txt of your correct and current address.

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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i have done that - via email too a while back. 

I would of course rather pay the bank what I can afford rather than have this hanging over my head,

plus if I’m paying the bank back directly via transfer etc in AED when the exchange rate changes etc I could be paying back different amounts each month

how would a U.K. court even enforce that?

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  • 2 months later...

I heard nothing more from J&P

have now had an email from the bank saying they have instructed IDR to act on their behalf? 

are they just passing it back?

Selling it on again?

I don’t know if this is a good or bad thing 

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UAE debts are never sold.

 

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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