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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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Just been to court/CL finance**WON IN COURT**


bluetack
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Hi bluetack,

 

 

Congratulations!!! Well Done!!!

 

 

I'm not actually surprised that you had more knowledge than those solicitors. Bet they thought it was going to be a walk in the park.

 

 

Best wishes, Jeff.

 

 

WELL DONE - BRILLIANT NEWS!!! NICE TO SEE YOU WON!!

 

Jeff, this is the big mistake these companies are making in their thinking we don't know anything!!

 

Time these comapnies woke up and realsied that Consumers have rights too - gone are the days where we let them take us for a ride :D

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Hear hear! I think it stinks that TWO solicitors attended to fight a case that was listed for a 10 minute hearing.....

And then lost ::)

Absolutely well done, and well done Rory as well. The advice on this thread will be invaluable to others and will be an inspiration.

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oh and I also took along a copy of my last statement which I had doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.

 

When you say you doctored the statements - what exactly do you mean?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi,

Or it could be if she forgot a comma:

oh and I also took along a copy of my last statement which I had, doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.

I'm just hoping really that's what she means, would be bad otherwise.

I'm reading the whole paragraph to read that she had a statement in her posession that was doctored by the solicitor to read that they owned it.

Judge has then looked and took the opinion that CL and sols cannot both own it.

I may be gravely wrong, oooer!!

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No she clearly states this which I had doctored to read that CL Finance's solicitor

 

YIKES............:!: :!:

 

Surely not. I think (hope) there may be a misunderstanding here........

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Having thought about it, ... the production of statements in court does not necessarily prove the existence, ownership, or liability of a debt, (anyone can print statements of sorts), then it's unlikely to sway a judges decision if you just happen to write on certain statements that XXX company claim ownership from XX date,... because they are.

 

I would imagine it only becomes a problem if documents are produced with the specific intention of misleading the court to your advantage. If this was the case, surely two Solicitors would have picked it up????

 

I'm just theorising, thinking out loud.......

 

No. I'm sure it's OK. 8-)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I've no doubt your thread will be a tremendous inspiration to loads of folks who were dreading being taken to court.

 

Now EVERYONE knows the application as an agreement arguement has been totally blown out of the water.

 

Well Done for having the courage of your convictions.

 

To all the MIB who I know trawl these posts.... TAKE NOTE.

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oh and I also took along a copy of my last statement which I had doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.

 

I read that as the Judge having been shown how easy it is to alter a statement, realised that such statements cannot be relied upon as proof of a debt.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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I read that as the Judge having been shown how easily it is to alter a statement, realised that such statements cannot be relied upon as proof of a debt.

Beat me to that lol. I think he altered the docs and pointed this out to the judge - to show that these statements prove NOTHING. Perhaps op will see and explain lol.

Diddy Vrs Clarity - Clarity have produced CCA on behalf of EGG CC

Diddy Vrs Woolwich - I am at stage 2 (recieved shcedule of charges applied to account)

Diddy Vrs Buchanan clark & Wells - sent CCA request, not yet complied.

 

Mission is to end the year 2007 as level - dont want to owe or be owed by then :cool:

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Wow, do I feel famous!

Wasn't expecting this kind of response from everyone and its great, but I think I need to clear a few things up.

First of all, there was a lot of money involved here, over £9,000.

The solicitors were given big case reference books to try and find the points I had raised (I think there were about 11) but the judge was reading them out so quickly they hardly had chance to turn the pages! (they did look silly)

Then one of them said about the statements being proof of the debt.

It was at this point that I gave the judge the statement saying the solicitor actually owned this debt. I admitted then that I had altered the statement myself to prove that anyone with a computer is capable of falsifying documents that are not signed.

No one mentioned anything about this being unlawful, but I knew the statement thing would be raised and thats why I did it.

Remember, two years of the statements were missing. Their argument was that the account was dormant therefore no need for statements, the judge's reply was statements have to be supplied at least every twelve months (one of my defence points).

This was the main structure of my defence:

Non compliance CCA 1974 s127(3)

60(1)(a) 60(1)(b) 60(1)©

61(1)(a) 61(1)(b) 61(1)©

78(1)(a) 78(1)(b) 78(1)© 78(4)(a)

79(1)

 

CCA 2006 not retrospective - Default under regulated agreements/ 11 (a)(b)©

 

House of Lords ruling: WILSON and others v Secretary of State for Trade and Industry.

 

I do hope this info will help anyone else in a similar position.

I will post the court docs/strike out when they arrive.

(not sure if I should show you doctored statement, could lock me up if spies watching...........)

Also, I asked for costs and was awarded £50 even though I hadn't gone prepared with anything written down!

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