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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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small debt / triton


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hy everyone,

 

i amat the end of my tether with this DCA . i sued natwest regading the charges dagainst my credit card event hought i owed 200 pounds( i do own some money on an other credit card and rent). i told them by letter phone asnd fgax thatr the amount is being is diouted they tried to enforce ther debt throug Green & co solicitors, even though it is illegal by the consumer credit act 1967,. still waiting for my CCA request, to enforce a debt while being in a dispute, they tried to get a CCJ against me. they stated thery don't care how much i earn and i should come up with the money by selling some of my belonging. Natwest just repaid those unlawfull charges on my current account , and guess what? it was swallowed by more charges, so i haven't got the money they asked me to pay up front. So they keep saying on the phone to book appointment to go to court to see the bailiff or to go to court etrc.... almost everyday i received this kind of phone call.

 

even though the original debt was over 400 pounds i manged to halved it but keep insistedd me to pay 50 pound/monrth when i earn on average 400 pounds a month. however, natwest closed this account without 30 day notice, sold it to a dca and i heard nothing about it.6 month ago, i received a phone call from triton, which i thought was a [problem] as my debit card was cloned when i received the first phone call from them and by so refusing to a transaction by phone( i had the proof of it!!!) . as i didn't know that account was sold to a DCa ( triton) but simply terminated. i agree to pay 20 pound/month. However in janaury i couldn't pay it due to level of excessise cahrges levied on my account. what should i do ? any advice will be welcome ?

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hy everyone,

 

i amat the end of my tether with this DCA . i sued NatWest regading the charges dagainst my credit card event hought i owed 200 pounds( i do own some money on an other credit card and rent). i told them by letter phone asnd fgax thatr the amount is being is diouted they tried to enforce ther debt throug Green & co solicitors, even though it is illegal by the consumer credit act 1967,.

 

Did you send the CCA request by rec. delivery ? This is your only proof that a CCA request has been made.

 

still waiting for my CCA request, to enforce a debt while being in a dispute, they tried to get a CCJ against me.

 

What do you mean ? Have you had court papers and if so, have you responded to them ? .... or was it just a 'phone threat ?

 

they stated thery don't care how much i earn and i should come up with the money by selling some of my belonging.

 

Commonly known as 'phone bowlarks.... :rolleyes:

 

Natwest just repaid those unlawfull charges on my current account , and guess what? it was swallowed by more charges, so i haven't got the money they asked me to pay up front.

 

You will need to re-claim these charges now.... What money were you asked to pay "up front" ? Are the solicitors asking for this ?

 

So they keep saying on the phone to book appointment to go to court to see the bailiff or to go to court etrc.... almost everyday i received this kind of phone call.

 

:confused: More 'phone bowlarks.... they do not have the power to send bailiffs round anyway. Only a court can authorise this. Also, you don't have to put up with their invasion of your privacy in this way. There is a bog off letter in the templates section, which I will post on here shortly.

 

even though the original debt was over 400 pounds i manged to halved it but keep insistedd me to pay 50 pound/monrth when i earn on average 400 pounds a month. however, NatWest closed this account without 30 day notice, sold it to a dca and i heard nothing about it.

 

Are we still talking credit card here ? It sounds like you might mean debit card.... If this is a debit card linked to a current account, it won't be covered by CCA law.

 

6 month ago, i received a phone call from triton, which i thought was a [problem] as my debit card was cloned when i received the first phone call from them and by so refusing to a transaction by phone( i had the proof of it!!!) . as i didn't know that account was sold to a DCa ( triton) but simply terminated.

 

Current account ?

 

i agree to pay 20 pound/month. However in janaury i couldn't pay it due to level of excessise cahrges levied on my account.

 

You need to re-claim these....

 

what should i do ? any advice will be welcome ?

 

 

 

Please take a deep breath.... and explain this again very slowly. I'm not sure that I understand your situation. Are you talking about several debts ? If so, please list them and say what they are for. Folk on here will then be able to help you.

 

:)

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ji and thqamkd priority onr to answer to your questio the debt concerned a credit cardfwith at third party . i recieved an oficial letter from their solicitor who was transferred to triton. while the account was in court current and credit cardaccount account. what i am asking is about credit card not about debit card.when i sued natwest credit credit card the money was put on a CURRENT ACCOUNT as it waspaidbny cheque. i thank u for u templater letter i just don't know whaqt do to do with them they are so rude and refuse to talk to a meaningful dialogue!!!!

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Hi again,

 

You need to stop talking to them on the 'phone.... you will only get whatever rubbish that it suits them to tell you at the time. Everything must be in writing. If the credit card account is in dispute because of non-compliance with a CCA request, then you need to inform the solicitors (in writing, by rec.delivery) of this immediately.

 

Was the CCA request sent by rec. delivery ?

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my husband senttheCCA request but i don't think it did send it by recorded delivery i had only a proof of posting. should i resend oneby recorded delivery? sorry if it sounds a realy dumb question

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yes i did enclosed a cheque for one punds which still hasn't been processedso iwas thinking to send an other request recorded delivery ? can iserve thwm a derfault notice after 12 days? ihaven'thead anything from them formthe lastfewweeks a bit too wierd for me. lol. iwant to resolve this debt but to talk in an inteligible way it is hard work!!! lolthank u so much for u advice, they are so helpfull.

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i just found out today that the cheaue was cleared last thursday amnd the CCA request made on ther 3rd may. does it mean i have to issue them with a default notice as i still haven't receive it ? any help will be appreciated. thank you.

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Hi Phill,

 

There is no need to write to them.... let them default (after 12 working days from receipt). After that time, you are within your rights to withhold further payments. Without a properly executed CCA, they cannot re-enforce the debt through the courts.

 

If they still try and pursue you for payments. one calendar month after the 12 day default..... without complying with your request..... they can then be reported to the OFT & Trading Standards for a criminal offence.

 

:)

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thank you just rtreceived a letter from natwest saying that without prejudice and as a gesture of goodwill they will remove this account from the DCA and will review my offer of token payment of 1 pounds. however, it was a different story with triton had to explained for 1 hour on the phone as they still threatening me with court action and my answer was well do it mate because this account is not with u anymore. lol so fustrating . thank you for your help wish i found this site earlier.

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