Any updates? First CDW ltr has arrive. Planning to get a solicitor to deal with it.

Any updates from anyone?!

I can't believe how many people left Dubai and have been chased for debts but then no end to the story?!

First CDW letter has arrived and trying to decide whether I should fight it using a solicitor?!

I would not negotiate with C W D. I would leave it to the court in the expectation that they would offer more reasonable terms if a charging order were granted.

However, before any of that, you should be checking the validity of the credit agreement.

I would start by demanding a true copy of my original credit agreement, without which they can do nowt except continue quacking.

And as they are relying on English law to pursue, I assume you have the protection of the same to defend.

I can't believe people have been fighting them for years!

I only received my first letter yesterday and I already want it over and done with.

I will keep you posted with solicitors advice

but from the last solicitor I spoke to it's all a very grey area!

UAE debt, can be enforced here but would it actually be enforced depending on the evidence..

.. unlikely but who knows.

He couldn't find anything prior to our meeting earlier this year where cases had been won by the uAE banks?!

We are paying 3x the amount for this new solicitor so I expect some results to show these solicitors are winning the amount of cases they claim to be, after all since a post in 2011 they've been winning 20 every 3 months!

Pretty impressive if it were true! Exactly the same letter wording too!

I guess I'm saying hold your nerve and don't agree to something you can't afford!

They are being completely unreasonable and I can't imagine any judge would look favourably on them if ever it did go to court?!

Oh and for the CDW spies who come on here to see what's going on...

. There are some who will fight you, who can afford a good solicitor to see through your cr@p and will feed back to the other members who are literally at their wits end to make sure you get as little as possible! I wish I could swear but it sounds a lot like twonks!

Keep in touch everyone....

Ally? CCA?

CCA request?! Not a clue what that is and I'm not sending anything - every bit of correspondence will be done through my solicitor. I don't want to speak to them at all after reading about their practices. They are no flamin better than the Dubai laws!

OK your solicitor will send on your behalf.....good luck

You mean the credit agreement? If so yes I have part of badly photocopied or scanned agreement, lots of pages missing. An accounts statement that makes no reasonable sense and some other paperwork in Arabic. Got this off the DCA earlier this year. Again the solicitor said he can't see how that would stand up in any court of law?! I presume CDW will have the same info but time will tell.

Thanks Ally

I need help with the template....

I didn't write to DCA, just spoke on the phone.

Was advised not to put anything in writing

I telephoned them and told them to send me everything they had relating to this debt.

I didn't admit to owning the debt.

CDW are acting as a debt collector, the same collecting laws apply to them.

Before accepting any ownership of the debt you want all the information they hold.

If it reads anything like I got off the DCA good luck trying to work it out!

I didn't write to DCA, just spoke on the phone. Was advised not to put anything in writing so I telephoned them and told them to send me everything they had relating to this debt. I didn't admit to owning the debt. CDW are acting as a debt collector, the same collecting laws apply to them. Before accepting any ownership of the debt you want all the information they hold. If it reads anything like I got off the DCA good luck trying to work it out!

It is a golden rule of ppl experienced in dealing with debt almost never to get into phone conversations with DCAs/solicitors.

They can, and wil, try to blind you with "sciencel", tie you in knots, invent scare stories and generally put you on tie spot.

Besides, you need a complete paper trail in case they do go ahead with court.

There should be no particular reason to employ a solicitor of your own unless you are rich.

If you are, and the debt C W D are chasing is yours, have you considered repaying it [to the bank not these creeps]?

If not, you could adopt the same *self-help* strategies as thousands of members of this forum have used.

Solicitors do not hold magic bullets that you can't find here.

These accounts stink too much for UK debt purchasers to pay even their lowest pittance and pose all sorts of collection difficulties.

Only the likes of C W D will touch them.

Just remember, they cannot enforce in court without a true copy of the CCA.

Random photocopies do not cut the mustard.

Oleg - I'm far from rich but I'm not going to worry myself senseless for months or years.

I did try and arrange with the bank when I left Dubai and they weren't interested.

They want the whole amount of the finance there and the and had the car!

I don't expect a solicitor to have magic bullets but I do expect them to be able to see through the bull CDW are spouting

and what they can and can't do legally!

CDW may be more inclined to deal with it professionally when they know they can't use scare tactics.

As for the telephone conversations - they were exactly a request for information.

No conversation or anything else.

I'm not a stupid person so did not allow them to engage at all.

At the time my solicitor who gave me advice wasn't sure if the stat of limitation would be applied

so by engaging in written correspondence would automatically put that aside as the time lapse is January 2015.

I've never disputed owing something on the car finance but I'm not paying for a whole car

and they have the car as well as the charges they've added.

The banks are completely unreasonable in Dubai and if they want their payment in full then I will go to court with it.

I've got nothing to loose!

I had a second car out there as well as a credit card, it's a matter of time before they come through the door.

If I settle this already doubled debt then have to do the same again with the next two

I might as well be bankrupt as I will be paying it off for the rest of my life!

I will keep members updated if they want to know what I'm advised.

I think you will agree it is very difficult to get answers on here as no one actually knows

and no one has posted on here or the web an outcome of a case with CDW

or any court case so you get members who are considering putting themselves into financial difficulties tho appease CDW.

I didn't write to DCA, just spoke on the phone. Was advised not to put anything in writing so I telephoned them and told them to send me everything they had relating to this debt. I didn't admit to owning the debt. CDW are acting as a debt collector, the same collecting laws apply to them. Before accepting any ownership of the debt you want all the information they hold. If it reads anything like I got off the DCA good luck trying to work it out!

The advice given re telephoning a DCA is wrong, all communication must be kept in writing, keeping a checkable paper trail, DCAs have a habit of not having any record of calls.

Ally,stick with your solicitor,dont give up,fight the fight from these Amersham money grabbing leeches,read my comments on the other UAE post

Who knew hiring a solicitor would make things more difficult..

. So back and forwards the bottom line is

- yes they are winning judgements

- it's presumed by people not fighting them

however, they are getting through the initial stage with the Dubai documentation.

Until some case are actually won against them solicitors are reluctant to offer their services because a debt of some sort is owing and unless you've got nothing to loose you are risking loosing everything by fighting it.

Don't be disheartened though, look at the guy above who's fighting and already won the first step!

I truly hope his becomes the case law we are waiting for.

CDW have been professional in dealing with us however there has been no scope for negotiating.

Pay it all or court.

I have not been able to use my solicitor as yet because if they sent a letter acting in our behalf CDW would serve them with notice, they then have to hire a barrister to go to court to say they should not be served so there is £700 before you start.

But that's not to say once served the solicitor can't act on your behalf.

It's a matter of time for this firm of solicitors! I look forward to reading about them in the newspaper!

Quick question as I've already been through this process with CWD 2 years ago and I paid.

Second debt request for our other car has hit in the way of a phone call from a very helpful and friendly solicitor (who knew they existed!) at Stockslegal limited.

She said the bank would be willing to negotiate if we paid in full.

I'm not going to ignore it as I did that before and CDW added £2k to the bill!

I want to be on top of this.

Left in January 2009,

can we simply use the 6 year limitation as a defence?

I understand it's a UK debt but being heard in a UK court, surely has to have advantages?

In the meantime I've asked for all info and strangely have not had even an acknowledgement of the 2 emails I sent in response to her letter stating I had 7 days to reply or court action. CWD were all over the correspondence!

Just respond to them that the matter is subject to statute of limitations and that you would defend.

Why you paid CWD the previous debt including £2k surprises me, unless it ended up in a UK court judgement. Did it actually get to a court hearing ?

they mugged you before and told their mates

now they are trying the same

ignore totally

dx

No it didn't

but at the time we spoke to a solicitor in the UK at length and it was no guarantee of beating them and the risk of the amount being double through legal costs if we lost.

Bankruptcy was not an option due to my husband co-owning a business.

On the first car we were initially chased by a debt collector who we ignored.

By the time CWD got involved the debt had gone up £2k.

CWD would not negotiate.

Our solicitor said if it had been over the limitation we may have used that but at the time we weren't there.

I'm yet to read anyone being successful when going to court.

I just don't want to find myself in the position of owing more money in a years time.

The limitation is 15 years in Dubai,

I do wonder if the UK court actually uses any of our laws in our favour!

I don't think CWD actually win many at court hearings and most are default judgements.

UK limitation is 6 years and if they want to use UK courts for enforcement, then UK law would apply.

You never tested the other debt in court or the costs they wanted to add.

No we didn't.

We were told it was your debt,

that would be hard to defend

but they did say they hadn't dealt with any overseas debt and they were only going off research.

They couldn't find any cases to compare.

At the time it certainly wasn't worth the risk of being in that much debt if we lost.

Crazy there isn't more experience solicitors or cases to compare.

I have read something today about a guy who did fight it using a solicitor and our 6 years but the judge ruled in favour of the Middle East using their 15 years.

you got had your solicitor wants shooting!!

Don't go by some online reports, as it has been known for some Middle East debt collectors, to post fake reports online, that suggest allsorts. I remember reading one instance where they were found out doing this. They don't operate by UK finance standards.

Will keep you posted when she sends the information and see what it is they are claiming for. Right now the account number she has sent is not relating to our car, maybe that's what's taking so long! Thanks guys much appreciated.

Hi Ally23. I also received a letter from CWD 6 months ago. I responded asking for documents and also told them I have no property and savings. Till now I haven't heard anything from them.