Hi,

I have been contacted by CWD who state I owe £60k, I have 30 days to respond/pay up in full.I

I own a house with equity and am concerned they will try to make me bankrupt thus losing my house.

I left the UAE in 2011 and was originally contacted by IDRWW last month

. I am finding it hard to find a solicitor who deals with such things.

Does anyone have any ideas?

I am tempted to contact the bank directly and come up with a settle meant for the original amount which was around £6000.

Thanks in advance for any advice.

Did you not read the thread you posted on at all??

You don't have 30 days to pay anyone

And you don't need to do anything

You don't need a solicitor either

It's a scary DC A letter of

They are not bailiffs and are totally powerless

There are more than 100 threads here

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Cwd&sa=Search+CAG#gsc.tab=0&gsc.q=Cwd&gsc.page=1

Thank you for your reply, I have read loads of threads and looked at different websites about them.

I have read they have gone to court here in the UK.

I appreciate it is probably scare mongering but I have equity in the house and a young family so need to make sure I am 100% safe

. Is it better to ignore or ask for everything?

They have sent me my cc agreement and cc statements too. Cheers

The court cases were all patsy's

Doesn't matter what any powerless dca holds...They can't do court

https://www.consumeractiongroup.co.uk/forum/showthread.php?486203-Middle-East-Debt(1-Viewing)-nbsp&p=5112138#post5112138

Ok thank you for your advice. What do you mean by all patsys?

put up jobs[employees, relatives of, debtors getting backhanders afterwards] to make money for that certain website that sc@ms people out of £1000's in fees to defend against something that's never going to happen

Brilliant thank you for your input, nice to know they are only a dca and not a solicitor

doesn't matter if they were a solicitor either!!

99% are fake paper ones anyway..

Ok I see what they are trying to achieve I will just ignore then

Just make sure you open all letters received and see what is enclosed.

If any creditor takes it to court, you will receive the claim directly from the court.

It is always up to the creditor to take you to court and just because a DCA or DCA solicitor threatens this, does not mean it will happen.

If a creditor wants to issue a court claim, they ( or their Solicitors) have to send a letter headed letter before claim and in the letter it will say they will issue a court.

At this point, you reply asking for copies of all documents in English e.g copy of original financial agreement in your name bearing your signature/date, default notice, copies of finance statements, copies of any foreign courts judgement.

And if there are reasons of dispute, you include these

You never admit owing anything in such letters.

you just ask for information.

At the moment they have sent me the standard cwd letter, financial statements of the credit cards and an information sheet. Cheers

IF and that is a big IF they did take you to court the it would have to be determined under what law was used for drawing up the original agreements and if it wasnt UK law then the chances of any of the debt being enforceable are small

You say you originally owed £6k and that has been bumped to £60k. well, that will take some explaining wont it?

Shame it isnt under Italian law where any claim for interest or silly costs is automatically blown out of the water for ursury

yeah was £6k and now 60k with interest!

! My issue is that I have a large amount of equity in my property which I obviously don’t want to lose.

I appreciate I should be safe but always at the back of your mind.

And you are correct if it went as far as court how can they stand there and justify another £54k in interest!!

I have read that people have been made bankrupt in the UK for a debt in the UAE, is this true or false?

most have been proved to be patsy cases don't get spoofed!

Makes sense, is there a way CWD could take you to a court in UK for a debt that was originally from UAE? Have been reading loads and getting mixed stories

not that ive ever seen...

the miss information typically centres around on an individual and her website that spoofs UAE debtors out of £1000's in fees for their 'work' to supposedly keep your a*** out of jail...total fake ofcourse

That’s good then. I will keep you posted with updates if/when O get them

Dx I have seen several comments about the well know website lot! But have no idea who they are, can you say in a forum?

no because we don't publicise fleecers...

Dx I have seen several comments about the well know website lot! But have no idea who they are, can you say in a forum?

If you googled Dubai debt, you will find them.

But you should stay clear of any such company offering legal help, with Facebook, Twitter accounts, articles appearing on multiple foreign online media sites, which seem not verified ( possibly fake internet news)

I think they started out with possibly good intention as they were having problems with Dubai,

but now seem to raise more questions about what service is being offered.

It seems to be more about negotiating repayment terms and you wonder what commissions are being earned.

If you wanted proper legal help from UK Solicitors expert in helping with foreign debts being taken to a UK court

then contact the Law Society and they will provide a list.

But it will be frustrating find a Solicitor,

as according to reports they only seem to represent Banks because of guaranteed payment of their expensive fees.

It really depends on how serious it gets.

If you search the London Gazette, you will find UK residents have been made bankrupt by Dubai Banks

but you do wonder whether these people have simply ignored everything

e.g including bankruptcy paperwork served on them.

I have an idea who it is now!

I’m not too worried now about it, if it goes to court I would have to sort a payment plan if needed but certainly would fight any bankruptcy petition.

Also as we all know it does look like CWD can’t really do much .

So an update for everyone.

Firstly I have not emailed CWD back from the letter they sent saying I have 30 days to contact them.

In the last week a friend of mine who lives in Dubai has contacted the bank and they have knocked over 70% off original debt straight off making CWD look farcical.

At the moment we have offered bank the original debt and for them to take into account the interest I paid when I was there. I will keep you updated.

always the way once cwd etc have it 90% bogus figure from the start

if it goes to court I would have to sort a payment plan if needed but certainly would fight any bankruptcy petition.

I don’t follow that logic.

Either their SD isn’t valid, so you can get it set aside and not have to oppose a bankruptcy petition, so don’t need to offer a payment plan, OR

It is a valid SD and they can proceed to a bankruptcy petition, and don’t have to accept any payment plan you offer..

Following a statutory demand, they are under no obligation to offer or accept a payment plan .....