Just waiting for their reply;

@Andyorch @dx100uk I will keep you update on the response and thanks for the advice.

Hi Andy No this was a personnel credit card. Cheers JR

Just to add @dx100uk Gave me advice last time ref issuing a CCA letter. Info taken from here

Happy New Year Its been a while since I last had an issue with one of these Companies but late December 2022 I received a nice little letter from a DCA called jmr Solicitors who are acting on behalf of a UAE Bank The alleged debt is a credit card. I do wonder how they got my address as I moved to Scotland last year. Left Dubai 2014 I haven't updated the alleged BANK in UAE with my current address. Previously I was harassed by Moriarty Law and after sending a CAA letter to them I never heard back (Approx 2x years ago) CCA Information was taken from here Question 1 : What are my valid next steps? Question 2: Does it matter that I live in Scotland? Any advice appreciated on this one Thanks Jolly Rodger ================================ DCA Letter LETTER OF CLAIM Amount Due: Outstanding debt in the sum of AEDXXXXXX We are instructed on behalf of the above mentioned client to pursue you for immediate payment of the outstanding amount owed to them. We have been advised that the amount outstanding is AEDXXXXXX which has arisen from a financial product that you took out with our client. We are in receipt of your signed agreement which constituted a binding contract between yourself and our client. You have failed to honour your part of the agreement which has lead to our client appointing us with instructions to issue legal proceedings against yourself. This letter is being sent to you in accordance with Practice Direction on Pre-Action Conduct and Protocols (the Pre-Action PD) contained in the Civil Procedure Rules (CPR). In particular we refer you to paragraphs 13 to 16 of the Pre-Action PD Concerning the Courts power to impose sanctions failing to comply with its provisions. We refer you to the Practice Direction (Pre-Action Protocols) in particular paragraph 15 and the sanctions for non compliance. You can find there on the Ministry of Justice website at: http://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd pre-action conduct Our client has demanded payment in full, failing which we will have no option but to pursue the same via the Courts. There would appear to be no reason why this sum should not be paid immediately as it is your outstanding liability and is overdue for repayment. We have been provided with sufficient documents in support of the same and will provide copies to the Courts should the need arise. We would be grateful if you would contact us as a matter of urgency to discuss settlement of the outstanding amount. We respectfully suggest that it is in your interest if you contact us on receipt of this letter as it will help us in enabling a swift negotiated settlement to be reached and it will avoid any further interest accruing on your outstanding debt. Please note as this is a commercial debt we reserve the right to claim statutory interest at the rate of 8% from the date that the debt becomes overdue. We are entitled to claim any subsequent rate when the Bank of England reference rate changes and the debt remains unpaid in accordance with the Late Payment of Commercial Debts Regulations 2002. Please note we are also entitled to claim compensation in the sum of £40 for any unpaid debts up to £999.99. In addition to the above, please note that a travel ban may be put into place and INTERPOL may be notified of the debt being pursued against you. You may be at risk of being arrested, questioned and detained if you choose to travel from this point onwards. To avoid this please contact us immediately. We now provide you with the opportunity to amicably resolve this matter by contacting us on 0161 491 3933 or [email protected] to arrange repayment of your debt. If we do not hear from you within 14 days of this letter, we have been instructed to commence legal proceedings against you. If for any reason you dispute the claim being made against you, please provide us with details so that we may investigate this matter further. Please note all communication in relation to this matter should be in writing quoting the above reference number or by telephone using the contact details above. Yours Faithfully,

Hi @andyorch Indeed it went away for 2 years from CWD. Now it would seem Moriarty LAW is picking up where CWD left off .

Hi All I thought I had forgotten all about my DUBAI debt after dancing with CWD for quite some time. Now it seems there is a new kid on the block Moriarty LAW who has picked up the relay from CWD and is chasing me of the same money under a "PAP" https://www.nationaldebtline.org/EW/factsheets/Pages/pre-action-protocol-for-debt/county-court-protocol.aspx Now I have no idea how they think they can pursue this claim in the UK and Im looking for advice. I cant live with this all my life and I think the only way to truly be rid of this is Bankruptcy so it disappear`s for good. I cant add the attachments for some reason but below links should work Page 1 of letter - https://ibb.co/275Dt9y Page 2 of letter - https://ibb.co/mqQwFMn Now they also asked for a full incoming and outgoing funds assessment. I guess they want to see how much im worth. Aprreciate any advice on next steps

@ UncleBulgaria67 Without Prejudice (the above was for the lurkers from the dark side) I did ask the simple question and they stated the following:- “We have provided you with clear copy of the Credit Card agreement . The expression “clean copy” simply meant a copy that was legible. Now this clean copy let’s call it Copy 2 is a different document from the original (Copy 1) . I don’t even think it’s my signature on this Copy 2 document bit that’s another story. At the end of the day I did use the credit card allegedly They have supplied me all statements from the onset of accepting the credit card to when I left Dubai and stopped using it. Also they supplied dubious T&Cs with no dates or initialled or headed paper with the famous Clause 19 about Jurisdiction which I believe is a very misunderstood term in our legal system with county court judges where Middle Est debts are now being taken to task in the UK. I could not imagine a UK company who have a QMS (Quality Management System) in place and have all the ISO certification that would produce some T&Cs as evidence that are not on company headed paper and neither have any dates of when it was created. Neither initialled by myself. Its something I could create and say – “look these are the T&Cs that were valid at the time you took the Credit Card. Prove otherwise” The word “reconstituted” has not been mentioned in any correspondence and maybe they are saving this for court but I would wonder if they could pick and choose UK Consumer Credit Acts that would form part of the S78 Process. Comments welcome Uncle. JR

Thanks CitizenB Ive sent you a mail to the Yahoo address

Morning Folks I had a credit card agreement sent to me by a chasing solicitor (for Middle East Debt) which shows my original application for a Credit Card. Signed etc It was received 6 months ago and looked like a dubious copy. I have asked for a better copy and I was sent what they termed a "cleaned" copy Can someone explain what this term is i.e cleaned ; though similar to the initial document its not the same document i.e it looks like its either an attempt to be a copy or this term "cleaned" copy means something else and that there is no forgery/fraud issue. If someone could explain. Doc 1 = Initial Copy Doc 2 "cleaned"= Very different to Document 1 Cheers Jolly Rodger

Should do with any money that you have left, after paying any mortgage. Uncle - Understood. The internet can be truly wonderfull and terrrifying at the same time.

Many thanks Citizen BI signed up for alerts just to know whats going on.

Morning Uncle and Other Peeps I’ve been reading up on charging orders against the home and panicking a little. Do you know if it’s possible for me to contacting my exiting UK credit card companies and have the credit cards secured against my home? My thinking being –Equity is 50k (example)Split equity between wife and I. (assuming we sell house) I have 25k as my cash assets. My UK credit cards are secured against this and they are paid of and whatever left can go to the UAE bank. Let me add that we were going to sell this year anyway and so the house will be sold but I just want to minimise what’s CWD get? Also on the Land Registry – Is there any online free searches where you can see if anyone has applied for a charging order; even though they must inform you.? Any advice appreciated. JR

No the debt would potentially be against myself.Wife has no participation.The bank did say the equitry or mortage can be transfered as long as thge wife can proove she can afford it.But she is a stay at home mum and I was merely trying to potect any equity that someon may come after (rightly or wronghly)

Hi Folks My wife and I have a joint mortgage.Barclays UK – repayment.She is a stay at home mum and very good at this :-)I pay the mortgage. Happily married. /p>I may have a situation where someone may try and secure the house for a debt; (secured creditor) Can I in any way prior to this– 1. The house is transferred to my wife so I have no claim to this. 2. So I have no legal claim to the house and so that I have no sellable assets. 3. To stop possible dodgy creditors taking my house. 4. I continue to pay the mortgage. Appreciate any advice? Thanks Jollyrodger