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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Loki187 V's Capital 1 - for charges


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Had letter today dated saying that they have entered the default!!!!

 

Even though I sent them a letter dated the 30th saying my account is in dispute.

 

HELP anyone????

 

I really need to kick this into touch now!!! I'm thinking off going ahead without the other 2 statments now. I'm livid!!:mad:

 

Can anyone advise as to what my next step is ???

 

There getting a telephone off me at work once this debt collection section has opened!!!

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You may know that I have been trying to get my default removed, see here: http://www.consumeractiongroup.co.uk/forum/capital-one/51318-tanzarelli-capital-one-post416335.html#post416335

 

Crap one have just entered a defence which is just there letter which they sent to me and I refused as a settlement. Only just got the letter and defence from court and it was date 25th Jan, picked it up this morning. If you have writen to inform them that the account was in dispute and then they entered a default after this as a retaliation then I believe they are in some poo and it should be fairly easy to have it removed. I would wrtite to them regarding the fact that you had previously writen to say acount in dispute enclosing a copy of the letter. I would also request it is removed. Have a look at this: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html also but seek guidance from others before sending it. I am having pc probs at moment so in between computers grabbing the odd 5 mins when I can so wont be about much however keep posting your questions and I or others will try to help if and when we can. I would suggest a pm to Jonny2Bad as he is very knowledgeable on this.

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Right just an update on my current sistuation.

 

... allthough I have only sent a letter asking them to take no further action on my account, and as you have read they did! Anyway I have been busy with selling my house so havent been able to send any further letters. I had a letter from Crapital one on 6th Feb saying that they are going to refund the difference from 20.00 to 12.00 on all my over limit fees which tallyed to £164.00. No mention about all the other fees!

 

Then this evening I get a corking phone call from crapital one saying that my account has been passed back to them from the debt agency, is there any chance that we could come to some sort off arangement! I wiped the floor with him, he didnt know what he was going on about or about my letters. Spent 15 reading the notes on my account. :p Then tried to work out some figures and said so theres anotehr 160.00 in dispute!!

 

Well lucky for them I'm going to send of my pelimary letter tomorrow that should help them work out how much I am disputing, silly people ;)

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Tanz, a little advise please. :p

 

Since i haven't yet sent them my charges for my account do I need to use one of the spread sheets which will talley up my interest and charges? Do i go for this compound intrest? and which spreadie should I use??

 

Also do I send them the pelimary letter or the template that you use for 'thank you for your offer as PART payment' OR a mixture off two. I don't want to confuse them or myself! ;)

 

thanks tanz hun

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It would depend on what you decide to do. If your only claiming the stat 8% then this is applied when you file and not before. However if you decide to claim contractual interest then this is done from the outset, firstly though I suggest some serious reading so you understand the concept.

 

Try here: http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/49074-can-we-have-new.html

 

Here: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

 

Here: http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/49470-contractual-interest-details-case.html

 

But mainly see here: http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html?highlight=contractual+interest

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