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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. 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
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molsi01 v Barclays


molsi01
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OK, thanks to the link sent by saintly_1, I have more things to worry about!

First of all, if I do apply for judgement, it seems that Barclays can ask for it to be set aside... but what exactly does that mean? Im sorry, but Im not that clear on legal terms.

Also, how often do we think that MCOL would make the mistake of not realising that the claim has been acknowledged? If I phone MCOL and they say that no, the claim hasn't been acknowledged can I trust them? I dont want to email Barclays asking if they have acknowledged it when they haven't as it could prompt them to do so! Finally, does anyone have an email address I could use for Barclays? (Sorry for the long post...)

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Dont know if anyone saw my earlier post... can anyone help me with my questions? (Sorry to sound impatient, but its getting close to my deadline - i.e. tonight!)

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I wouldnt be too impatient to apply for judgement a set aside which means they get extra time to produce the acknowledgement think its another 28 days if they then dont responde you win because they cant apply for it to be set aside again. I would wait a day or 2 before applying for judgement as they will more than likely of acknowledged your claim

 

The email address for Barclays Litigation Team can be found here

http://www.consumeractiongroup.co.uk/forum/barclays-bank/94602-barclays-litigation-team-good.html

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OK, help needed! Today is the day I can issue a judgement by default on MCOL as Barclays have not acknowledged my claim, but I have a couple of questions after reading some of the threads on here.

Is it worth getting in touch with the Litigation Dept. at Barclays first to tell them I am about to issue judgement? (My argument against this would be why should I, if the roles were reveresed I wouldn't get contacted would I)

Should I check with MCOL by phone first to make sure they haven't made a mistake on the website and Barclays HAVE in fact acknowledged?

Any advice gratefully received...

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I am not an expert on this stuff, but I wouldn't contact Barclays just yet because you will tip them off that they haven't acknowledged.

 

The banks have been known to get away with late defences, so I would just go ahead and apply for the default.

 

As for the website being wrong, you should soon find out if you apply for the default.

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After doing what I should have done in the first place and READ MORE POSTS(!) I have decided to write to the person who has been dealing with me so far (well, the person who made the offer) and offer him 7 days before applying for Judgement. Here is the letter I will be sending - any comments gratefully received:

-------------------------------------------------------------------------

Offer of settlement.

 

Dear Martin Bennett,

 

You have not filed a defence for claim number 7XXXXXXX at Northampton County Court, and the time to file a defence has now passed and judgement in default has been granted.

 

I am writing to give you one final opportunity to make full payment of £X,XXX.XX

(This breaks down as £X,XXX.XX of charges and interest, plus £XXX.XX court costs)

 

If I have not received payment in full by 4pm on 13th June 2007 I will file for Judgement in Default.

 

------------------------------------------------------------------------

 

That sounds ok, doesn't it?!

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You have put in your letter that a default judgement has been granted when it hasn't! I would give MCOL a ring to see if they have acknowledged yet, the mcol site doesn't update automatically it can take a couple of days to show up.

28/2/07

Sent request for repayment of charges totalling £2,800 (I want it ALL back!).

8/3/07

Barclays send sorry your not happy letter

14/3/07

Letter before action sent

25/4/07

Barclays offer £1,790

27/4/07

Thanks but no thanks to the offer sent

28/4/07

Filed with mcol, now looking at a figure of £3,500, they should of paid up when i asked nicely :-D

11/5/07

Barclays acknowledge claim

30/5/07

Barclays defend claim

19/6/07

Received notice of transfer to Northampton County Court and barclays excuse for a defence!!!

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Funnily enough, I just spoke to MCOL and a very nice lady by the name of Sue said that the website is updated the same day as the acknowledgement or defence is received. I know I have read at least one thread where the site wasn't updated, but in my case its all accurate so far. She said I could now claim for judgement by default, hence the wording of it being granted...

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Hmm, my experience is that MCOL only update ONCE a day.

and that is around 11am.. So if a defence is entered AFTER this time it will not be updated until the following [working] day

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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I would still stay it hasn't yet been granted as Barclays also have a nasty habit of acknowledging and defending late and get away with it (which I personally think is unfair).

Hit the judgement button then if mcol have given the go ahead lol

28/2/07

Sent request for repayment of charges totalling £2,800 (I want it ALL back!).

8/3/07

Barclays send sorry your not happy letter

14/3/07

Letter before action sent

25/4/07

Barclays offer £1,790

27/4/07

Thanks but no thanks to the offer sent

28/4/07

Filed with mcol, now looking at a figure of £3,500, they should of paid up when i asked nicely :-D

11/5/07

Barclays acknowledge claim

30/5/07

Barclays defend claim

19/6/07

Received notice of transfer to Northampton County Court and barclays excuse for a defence!!!

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Hmm, my experience is that MCOL only update ONCE a day.

and that is around 11am.. So if a defence is entered AFTER this time it will not be updated until the following [working] day

 

Mine didn't update for 2 days after acknowledgement and defence

28/2/07

Sent request for repayment of charges totalling £2,800 (I want it ALL back!).

8/3/07

Barclays send sorry your not happy letter

14/3/07

Letter before action sent

25/4/07

Barclays offer £1,790

27/4/07

Thanks but no thanks to the offer sent

28/4/07

Filed with mcol, now looking at a figure of £3,500, they should of paid up when i asked nicely :-D

11/5/07

Barclays acknowledge claim

30/5/07

Barclays defend claim

19/6/07

Received notice of transfer to Northampton County Court and barclays excuse for a defence!!!

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Well Im giving them an extra 7 days anyway - I didnt want to automatically apply for judgement, then have Barclays apply for it to be put aside and then have more delays... Im trying to be nice to them and say "look, if you settle now its another case you can cross off and forget about so you can concentrate on the thousands of others". Im also thinking that because of the excellent reports I've read about her, I will contact Krysta at the litigation team after the 7 days are up and see what she says.

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  • 2 weeks later...

OK, an update. I didn't file for judgement by default, and now Barclays have submitted a defence. I am now waiting to find out which court my case has been transferred to. I am about to start getting my court bundle together (be prepared, as the boy scouts say) but I have read on here alot of people actually contact the litigation dept. and see if they will settle before going that far. When do you think would be a good time to do this? Should I wait for my court date first? Any help gratefully received...

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I must admit, Im feeling a leeetle nervous now. I didnt think it would go this far. Im not worried about going to court (I've been enough times through certain driving offences!) but Im just a little nervous about getting everything right with regards to documents, questionnaires etc. I think I'll wait to see what court I get transferred to and when the date is, then maybe contact the litigation dept. Are there any examples on this site that could be used as wording in a letter / email? Also I heard from a lady at MCOL that the AQ's are no longer being sent out - has anyone else had experience of this?

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Livelylad, thanks for the info. I'll get the court date through then get in touch with her. saintly_1 I dont mind paying the fee (I assume I can claim this back?) and I guess I'll have to wait and see if I get the AQ.

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Livelylad, thanks for the info. I'll get the court date through then get in touch with her. saintly_1 I dont mind paying the fee (I assume I can claim this back?) and I guess I'll have to wait and see if I get the AQ.

Yes the AQ fee can be reclaimed. You may be waiting a while for a court date. Ring the court to find out roughly when your case will be heard. Rininging Barclays now will do no harm.

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Livelylad - I know this is going to sound daft, but Im not sure what I would say to Krysta! I dont know if I should try and be nice and friendly and chatty, or if I should just be all business (polite but firm). Im not sure if Im comfortable with getting into a phone conversation...as Im in no huge rush to get this completed, maybe I'll stick to communication via letter / email? (Coward, I know...!)

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Livelylad - I know this is going to sound daft, but Im not sure what I would say to Krysta! I dont know if I should try and be nice and friendly and chatty, or if I should just be all business (polite but firm). Im not sure if Im comfortable with getting into a phone conversation...as Im in no huge rush to get this completed, maybe I'll stick to communication via letter / email? (Coward, I know...!)

 

Just write down the points that you want to make before you phone her. Just be polite but firm she is a friendly person so you will be fine.

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