I'm posting on here to see if anyone has had any success with fighting CWD in UK court as far as UAE debt is concerned. There seem to be a number of posts with varying information but no real news of successful or unsuccessful outcomes. Thanks

Hi, Long time lurker on this site. Now find that I need advice. Bought a SILVER Hyundai Getz for step daughter just over a week ago. Seemed OK on inspection and drives well. I was checking the fluid levels at the weekend and noticed that the underside of the bonnet is WHITE. I then had a good look around and the hatch at the back is WHITE on the inside, as is the boot floor. I am now very concerned that this car may have been in an accident. Why else would someone respray a low value car? My other concern is that I will have difficulty selling this on when we no longer need it. Do I have reason to reject the car? The dealer is part of the AA dealer network which I assumed would indicate a trustworthy dealer. Would I be able to complain to them? Opinions would be appreciated.

I have been told that letters sent into the DWP without a clear heading like ESA Mandatory Reconsideration Request will be deemed to be 'white mail' and so will not be looked at by anyone until the writer telephones to find out what is happening about their letter. I ask because my ESA MR request dated and sent on 25th Nov 2017 has only just, yesterday 13th Feb 2018 arrived at the correct department! I did telephone about it on 7th Dec and was told it can take a few weeks before you will hear from them. Over 11 weeks to get there! It will now take 7-10 days for them to make their decision. As we all know that it is only when you tell them that you will be appealing the decision that your ESA (at a lower rate) will be paid. So is this a new ploy by the DWP to delay payment of ESA?

Hi, I've joined this form after searching for advice on a solictors called Coyle White Devine. I'm hoping some can help and advise me? Letter recently received from Coyle White Devine relating to indebtedness to Dubai First to the tune of approx £200k GBP. The letter was sent to my home address, but addressed to a diferent person. Same first and last name, but a different middle name. The letter also had an incorrect email address i.e. not mine. Atttached to the letter, is an initial letter written to a person with the same name as me, but to a completelty different address. I emailed CWD and I got a response that said (I paraphrase), they get lots of denials and why should I be different as the details supplied to them by their client gave them my name and address. They are refusing to act upon my wishes to correct this error and have asked for a scanned copy of my passport to confirm who I am. I do not want to do this for fear of identity fraud, which probably what is happening now, as I've never been to the UAE or middle East. I have spoken to the Solicitors Regulations Authority and they said they could look at the compliant, but advised I seek legal advice from a solicitor due to the 48 hour statutory demand detailed in the letter from CWD. Any advice on hw to deal with this?

just got notice to keeper from UKPC, ticket issued on 31/12/2016 ntc dated 02/02/2017. Not parked correctly within the markings of the bay or space. I parked in a bay with 2 wheels on the white line not outside but on it, this white line is approx 3 feet wide as its an end bay and the tyres were at least 1 foot away from the white line outside edge. i had to park like this as I could not let my passengers out of the vehicle because the vehicle next to me was very close to the white line so I had restricted access. Whats should be the next move against these muppets.

Hi Just wondered if there is a problem with CAG? Each time recently I have tried to come on CAG I get a white screen, it only happens on here

Hi After returning back to the UK a few years ago, we carried on paying the balance on our credit card. We never missed any and fully intended on clearing it off. Having asked for the balance, we realised that not only it had not gone down, in fact it had gone up after months of repayment. Apparently the bank had decided to change the interest rates without telling us. We tried contacting the bank and were told that we had to pay a ridiculous amount. Our initial debt was around 5k and contacting the bank to get a settlement figure, thinking that after all the payments the balance would have gone down, we were told that the change in the interest rate had gone up from less than 1% a month to about 22%. At this point, feeling angry as we couldn t resolve this and no notice had been given, I stopped the payments. Now six years later, I have received a letter from Coyle White Devine solicitors based in the UK with a letter of claim and a cut and paste point regarding an exoress term within the contract within the NBD bank alledgedly saying I had signed a contract stating that the bank could pursue legal proceedings due to a non exclusive jurisdiction clause within the contract. They had satisfied themselves of my indebtedness, the figure quoted in the letter had skyrocketed to £70000! Attached to the letter of claim was "without prejudice save as to costs" and that the bank is willing to negotiate to the interest level and settle close to the point of default. 21 days have been given. No contract has been sent of the credit agreement, no original terms of business signed has been sent, no proof of assignment has been given as of yet apart from claiming to be acting on behalf of the bank. Strong impression is that the solicitor is acting like a bonafide debt collector under the umbrella of being a solicitor, stating they are securing 30-40 judgments per month for such debts. My understanding is CWD does not mention judgment made in Dubai, and I understand the limitation period is 15 years in Dubai. No judgemnet in Dubai means i think that this needs to be dealt with under English covil law, is the alledged debt statute barred as its over six years? Finally, there has been several court rulings in Dubai on a particular case as of last year rejecting local banks seeking high interest on CC debts and stating they have a duty to inform debtors of changes in interest rates and ruling that the debtor should only pay back the principal sum owed at the time of default. Ps doesn't interest go against islamic shariat law? I welcome your sensible constructive comments on this please. Thanks

Any follow up to this? Looking for advice on how to tackle CWD myself. Thanks

Hi me again! Ok here goes, my computer is Packard Bell with windows 8 installed, had it prob over a year now but last few days it has seemed slow, unresponsive, and giving me a white screen when I go onto different sites, also I get in the top left corner a colour bit ( like on a tv when the signal is bad, if that makes sense ) I have done all the normal checks and it is showing no issues/bugs/virus etc, I have Avira . I cleared all history and done what I can with checks etc but am at a loss now, I am no expert

Hello, A friend of mine has approached with their PCN they have received from NCP for not correctly parking within the lines of the space. This is new to me. In my mind how can they make any claim for this, espcially having suffered no loss. Also the car park is poorly maintained and the white lines are in fact just very small T bar at the start of the bay. Can they claim for not parking correctly in a bay? surely this is something to be appealed like all other pcn I cant upload a copy of the PCN at moment, but it is a standard one stating £50 or £100. The car park is the NCP at Haywards Heath Harlands Road. The ticket has a code F2 written on it for the contravention with date and time. The PCN number is REDACTED and the vehicle reg is REDACTED you can log onto their website to see the photos www.ncp.co.uk/pcn

could someone contact me if they have any information on this 50/50 thing mentioned on here as cwd love to build up costs i am a mover and they have teamed up with the national guild of removers and storers ( look them up ) they seem like a nasty bunch who feed of high fees they have links with the owners of the ngrs so although they work for them they also i feel work very closely with the owners of cwd and both were directors of a company fast lane publishing and the day they left the ngrs directors took over there is a link i don't know if the bank thing and the ngrs is all they do ? its seems like a nice little earner to me . dose anyone know any other groups they are after ? i think you will find that they will only chase someone who has to pay them costs ! at a guess i bet they sit on anything till its over 10k thats what they do with removers then boy do they pile on the costs you are all not alone. do your research i have a face book page called are you having problems with the guild of removers and storers ltd also look up geoff salt in the andrew penman rouge traders page of the mirror where you will see his reaction ( geoff ) to me catching him out side court when he had just lost a case !! this is who cwd represent

My Mother-in-law sent for a "free sample" of the above tooth whitening product, in response to a pop-up ad. on the internet. Two packages were delivered to her home, before Christmas, as she was leaving to spend the holiday period with our family. She returned home, yesterday, and on checking her Barclaycard statement, she finds multiple amounts (five in total, ranging from £0.82 to £62.27) have been charged to her account. My Mother-in-law has, unwittingly signed up for a subscription to make monthly purchases of a useless product, at a cost of more than £120.00 per month. The small print on the confirmation e-mail she was sent, says she can return the product, at her own cost, but will only be given a partial refund, and only if she does so within fifteen days. She has contacted Barclaycard, who will block any future demands from this American company, but is there any way that she can get her £127.00 back?

Can anyone shed any light on this problem I have please ( this is Sandy ,B/C's o/h ) For some reason when I click on the google sign it opens with a blank white page I use Chrome as my browser, I unistalled it and tried again, was fine at first but has now started doing it again? I have done health check which found nothing, done a scan, nothing, have done everything, I can not open Google as like said just get blank white page Thanks

hi there I am renting a white Van to help a friend move some bits. I am going to be the name driver and liable for the hired van. The cost is £65 for the day and has an excess of £500 on it. The people at the van hire company have mentioned I can reduce the excess on the vehicle to £100 if I pay an extra £15. Do people think this is worth it? Additionally are there any other things to bear in mind when renting a van? Thanks for the help BB

Hi All Left UAE in early 2012. Had a loan with a bank and intended to carry on paying the repayments after I got back. Made one payment and then got a frantic call from the bank. They were very concerned that I had left the UAE as advised by my UAE ex-employer. They demanded full settlement and when I explained this was impossible, they said they would discuss internally and get back to me I made a payment of the next instalment and went on line the next day to check the credit had gone into my UAE account from the UK bank. The UAE bank account on line access was denied and I was unable to confirm if received etc. Money left UK bank no problem, but no idea if received, so decided to wait for the UAE bank to contact me again. No contact for 2 and half years until a letter from Coyle White Devine which I know others have received, now demanding full settlement at least twice the original amount Not sure what to do now. Do I wait for the SD to arrive and have it set aside? Do I contact CWD now via email and try and set up a repayment plan? Any thoughts much appreciated

need some legal advice on current situation. me and my partner spilt 3 years ago, we have a 3 year child together. we moved into a rented council house while i was pregnant and as he used to be in the army the british legion paid something towards the white goods, washer, oven and fridge and towards the carpets. after we separated he left the home and was very happy for me to keep the goods as they were necessary for his daughter. now after 3 years.. (he is now engaged and living with his new partner in fully furnished home with his 2 other children) he has had his solicitor contact me stating that he wants the goods back and to arrange when he can come to collect. this then would leave me and his daughter with no carpets, fridge or cooking appliances. Can he legally do this?? i am on benefits so i would not be able to replace these things. i have to reply to this letter myself as i do not qualify for legal aid anymore so any advice would be grateful.

Can someone please assist. I have today received a £100 fine for parking at a local retail park. I do admit to straddling the white line of the parking bay - at the time of parking there was another car parked to my left and I merely (perhaps stupidly) parked close to him - therefore myself straddling the next bay. They have pictures of my car by itself (the other car having left by this stage) and also a picture of a ticket on my car. I never received the ticket that was left on my car despite me only being in the shop for 30 minutes. There are signs on the way into the car park stating "4 hour parking restriction - see signs for details". As I am never there for longer than an hour I have never bothered to look at the signs which state, amongst other things, that cars must be parked in bays correctly. At the time of parking my car the car park was probably only about 1/3rd full. There is no charge for parking on this site. Is there any way I can appeal? Thank you.

Following the annus horribilis of 2013 when Sobell went awol in may 2013, to be replaced by GPB Solicitors, who subsequently were closed down by the SRA, for dishonest practice, it appears on the Law Society website that the infamous Graham White are no more at KT14 6ND. I did find it rather strange that 2 firms of solicitors were registered at Roxburghe at the same time! However Sobell is still registered but at no addresss. Whats going on Hummmmmmm !!! !

My wife and I had booked a holiday to Zambia in August last year but unfortunately my wifes' contract of employment was cancelled in December and I had already taken a career break. When it came time to make the final payment in March we could not afford it so had to cancel the holiday. We were charged £3,500 in cancellation charges as per the contract and submitted a claim to our travel insurance company who have come back to us saying as my wifes contract was cancelled rather than being made redundant they are not willing to pay the cancellation charges. In the insurance contract it does not specify whether cancellation of contract is covered, neither is it included in the exclusions as not being covered. I accept we cannot claim under redundancy as technically my wife was not made redundant, but should we be able to claim under cancellation & curtailment. I should add that my wife was on a long term temporary contract at her place of work. Any advice/suggestions appreciated. DJ

hi i wonder if anyone can point me in the right direction, im off work for 2 weeks and need a copy of the njc white book, i can get one off my union rep but he is where i work 40 miles away, so i wondered if anyone can point me to a link on the net for this to save me the journey i have a copy of the green book, but thats the updated version of the white book The White Book contains the National Joint Council’s terms and conditions of employment for former manual workers. This was replaced by the Green Book. thanks in advance if anyone can help to save me the diesal and time on this...

Washed a white with small red band Asda bedsheet with wife's white coat, wash finishes and both the bedsheet and coat are now pink, followed manufacturers washing instructions on bedsheet. Would complaining get me anywhere.

http://www.consumeractiongroup.co.uk/forum/showthread.php?366308-Vinci-Car-Park-Roxburgh-Graham-White&p=3991005#post3991005 dx