can you hard key it....? I can't see how they can do this under UK law, it contradicts completely, I know a Cpl of guys who just ignored the first letter from CWD and they never heard from them again...did you engage with them initially?

copy paste, think that's how I put my CWD letter up in the first place

Hi, seeing recent posts what are your views?....I agree with you to be honest but there are other people on here posting differing outcomes...

Can you post the letter/demand, did you take legal advice?...

Don't think that they have bought the debts, I think they have been engaged as recovery agent, baffles me how they can get UAE laws applied in UK courts as they seem to be able to claim that UAE statute barred time limits apply in UK. Hopefully some of the more experienced members will shed some light,cheers

Hi,had the same letter twice in last few months, no further contact and nothing since March

Hi all,lots of interesting comments and debate - Can anyone/everyone post updates on their circumstances good and bad plus give info to other readers?thanks

no worries, I've been told that even if an attempt to secure a judgement in the UK is made it will be thrown out and effectively there is no real legal recourse to recover in UK, and even less in Scotland.Just need advise on wether to reply to it or not and if so how to contruct the reply,thanks

debt approx. £12k - no communication or payments since leaving Dubai November 2011

Morning All ,see below text from letter, are the threats to recover in UK possible or is it non-enforceable - any suggestions on reply to the letter appreciated, don't know if it makes a difference but now residing in Scotland, thanks Dear Sir Indebtedness to First Gulf Bank We act on behalf of First Gulf Bank, based in Abu Dhabi in the United Arab Emirates (“UAE”). We have been instructed by our client to engage with you and to make arrangements for the repayment of your credit card debt to our client. We hope that you will engage with us for this purpose. If you do not, then we have instructions to commence legal proceedings against you which, regrettably but inevitably, will result in your liability increasing by reason of the contractual costs indemnity (“the Costs Indemnity”) which was agreed in writing with our client when you applied for (and obtained) your banking facilities. In terms of prospective legal proceedings, please note that our client’s position is fully reserved in terms of the choice between: (a) Debt recovery proceedings to be issued before Northampton (CCMCC) County Court; or (b) Bankruptcy proceedings to be issued before the nearest County Court to your home with insolvency jurisdiction. Regardless of the above choice of legal forum (and whilst stressing again that we hope court proceedings can be avoided through engagement and negotiation) we ought to clear up a common misconception which has arisen in the course of our debt recovery work for this client and for numerous other client banks operating within the UAE. Whilst the terms under which you are indebted to our client are governed by the laws of the UAE, our client is free to (and does) pursue legal proceedings in numerous jurisdictions around the world. An express term within the contractual terms and conditions to which you signed up and agreed states that no single court (whether in the UAE or elsewhere) has “exclusive” jurisdiction to determine these credit card debt claims. Based on expert evidence given on the applicable laws of the UAE by Baker & McKenzie Habib Al Mulla (leading lawyers in the UAE) we are currently securing an average of ten judgments each month before Northampton (CCMCC) County Court. In relation to your indebtedness, we have satisfied ourselves that your liability to our client is immediately due and owing and, as such, legal proceedings can be commenced in the UK at any time. However, as we have stated, we hope that legal proceedings can be avoided and that, instead, you will engage with us and agree to the repayment of your liability. To this end, we are able to give you 21 days from the date of this letter to make proposals to repay your debt which currently stands at AED XXXXXX . If the above indebtedness is paid in full to our client within 21 days, then no additional liability for our legal costs will arise under the Costs Indemnity. However, this concession will only be made available to you on these terms and for this period – so without operating in any way as a waiver to the terms of the Costs Indemnity. Assuming a settlement agreement can be reached with you, please note that all settlement monies need to be paid into our client account giving the reference: . Beneficiary COYLE WHITE DEVINE LIMITED - Client AccountBank LLOYDS TSB BANK PLCBranch GERRARDS CROSSAddress 33 PACKHORSE ROAD, GERRARDS CROSS, BUCKINGHAMSHIRE SL9 8PFSort Code 30-13-30Account No 14769868BIC: LOYDGB21358IBAN: GB75LOYD30133014769868 Joanne Perry has been allocated to your account. Please make written repayment proposals to Miss Perry by no later than close of business on 25 September 2013. Miss Perry’s email address is set out above if email communications are more convenient for you. We look forward to hearing from you. Yours faithfully COYLE WHITE DEVINE

thanks for taking the time to reply and for the advice - appreciated

since March in Scotland, is it worth sending the letter when the default will fall off credit file in less than 6 months anyway?thanks again

potentially relevant also is that I now live permanently in Scotland and understand that SB is only 5 years - true?

updated date is Feb 2013 - I've had 4 letters since May seeking payment on this from various DCA's, all forwarded from previous address via Royal Mail forwarding service - standard contents - contact us to discuss, next step field collection team will knock on door etc - I've ignored all.So as it stands they do not have my current address

thanks for the reply;initially on old credit report it showed as Equidebt, it now has been updated as Lowell Portfolio as the new custodian - amount exactly same, default date changed to 19/3/8 from 30/1/8.....Should be SB'd anyway as last payment was June of '07 and no contact since