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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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Taking Cabot to court for failing to supply HSBC CCA + Distress etc


tbern123
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:confused:

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

[email protected], no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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:confused:

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

[email protected], no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

 

One of my yahoo addresses has also been blocked..... :x

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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One of my yahoo addresses has also been blocked..... :x

 

And my other email address.. You would think that they don't want to read my emails:grin:

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

 

 

I know, I just don't want them to be able to turn around and say that I did not keep them informed

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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:confused:

 

I have just tried to email my POC to Cabot, as I thought this was only fair....

 

[email protected], no longer accepts emails from my email address...

 

Isn't it lucky, I have more then one email address lol

 

be professional and do a screenprint of the response ........

 

 

for "location location location" read "insurance insurance insurance " !!!

:cool: sunbathing in juan les pins de temps en temps

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Start up a new email address Tbern it's easy enough. So they object to a few emails do they?

Have they any notion what it's like to be harrassed by phone 24/7 or to be bombarded by their stupid letters. My goodness boot on other foot or what????

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Williem is one of the people I tried to email, it came back saying sender address rejected...

 

But I have a cunning plan lol

 

I will reveal all tonight !!!!

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Tbern you are being far too nice with them. Go for the jugular. Yes they did a check on my Experian report too. I didn't report at the time but will do.

 

 

They checked my experian report too TWICE on the same day (I reckon cause they chasing tow debts in one claim??)

 

ALSO - they checked Land Registry too!!!! Naughty Naughty??

 

Does anyone happen to have the sections to quote that says they ought not be doing this - so that I can quote this on my POC's this week??

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Start up a new email address Tbern it's easy enough. So they object to a few emails do they?

Have they any notion what it's like to be harrassed by phone 24/7 or to be bombarded by their stupid letters. My goodness boot on other foot or what????

 

As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Well, I had a completly wasted trip.. What kind of companies head office, doesn't have a mail box ?????

 

Not a very impressive building.. They are building new offices done the road from their current location.. So I came home and faxed it to them....

 

So I have filed my POC with the Court, Served them to Cabot, so now the ball is in their court

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Within commuting distance, eh? You could apply for a job. :eek:

 

Nice one, though. Can't wait to hear the outcome. ;)

 

 

lol, very true... Only took about 20 minutes to get there..... As it is one huge trading estate though, there isn't much to do at lunch times

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Nearly forgot...

 

The judge has given them until 9th April 2007 to come up with a defence... So it will give me some time to work on my second claim for the default that was on my credit file in relation to a inproperly executed Barclaycard agreement.

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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You should try my job... stuck in the middle of the sea, and not a Subway or Starbucks in sight. :D

 

No thanks,,, I have enough grief in my job... the general public are all swines !!!!

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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As I don't live far away and I was not having any joy with my emails, I thought I would go and deliver the letter myself.

 

Well, I had a completly wasted trip.. What kind of companies head office, doesn't have a mail box ?????

 

Not a very impressive building.. They are building new offices done the road from their current location.. So I came home and faxed it to them....

 

So I have filed my POC with the Court, Served them to Cabot, so now the ball is in their court

 

 

THIS MADE ME LAUGH :D:D

 

ME WONDERS WHY - THEY HAVE NO LETTER BOX :confused::D

 

that is funny!! I reckon they don't mean us to communicate with them eh?:p

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Thanks Pam,

 

 

Really appreciate your help.... I would click your scales, but I did that yesterday and it won't let me do it again yet lol

 

Thank you for the last click anyway - much appreciated. :D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Sorry to gatecrash, but if a company are unable to produce an executed credit agreement, then they shouldn't have been recording data with CRAs??

Is this always true?

 

Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

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Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

 

I think I posted something about this 'White Data' subject some weeks ago, I came across it during some of my research**. I believe I'm right in saying that our Ken has been campaigning for this for quite some time- to be allowed access to our 'white data'. A member of his staff even gave a lecture about it at a conference last year. I'm not sure if he's been successful in his campaign, I'll see if I can find out...**ahha, there it is...post 864 on this thread...Open all the attached files once you're in there.

Just hate every DCA out there

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Well, they would have you believe otherwise, and point to where it says they can do it without your consent in the DAP, (Section 2, para 6 I think it is). BUT that only applies if what they have about you is correct. And no agreement, means no consent, means no proof of debt, then no right to process data at all, INCLUDING PASSING ON YOUR ALLEGED "BLACK" DATA TO CRA's. IMHO.

 

Just read something interesting. Our Ken thinks debt purchasing companies should have access to our "white data". ie he thinks he should be allowed to see beforehand your "good" credit history as a right. I suppose he also assumes he has the right anyway to go trawling through your "bad" history by doing unauthorised searches of your credit files. (See tBern's post above). No doubt, he has a good reason for this ready to justify things, but I personally just think it's so he can cherry pick his portfolios. Maybe I'm wrong.

 

 

Our Ken - seems to think he can do all these searches to include the Land Registry etc.. whilst having no formal docs to even prove these debts etc.. Me thinks he needs to be careful where he is treading!!!

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