Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    chelsea05 Novitiate



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    Default Middle East Debt being chased by CWD

    Hi firstly I apologise for co I got in on someone else's thread but I am unable to start my own.

    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 bankrupticon 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.

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  2. #2
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    Default Re: Middle East Debt being chased by CWD

    I've started a new threadicon for you, please continue to post here.

    HB

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  3. #3
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    Default Re: Middle East Debt being chased by CWD

    Thank you honeybee13


  4. #4
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    Default Re: Middle East Debt being chased by CWD

    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 bailiff and are totally powerless

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  5. #5
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    Default Re: Middle East Debt being chased by CWD

    There are more than 100 threads here
    Not once has anyone lost by ignoring totally

    https://cse.google.co.uk/cse?cx=part...Cwd&gsc.page=1

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  6. #6
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    Default Re: Middle East Debt being chased by CWD

    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


  7. #7
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    Default Re: Middle East Debt being chased by CWD

    The court cases were all patsy's
    Doesn't matter what any
    Powerless DCAicon holda...They can't do court

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  8. #8
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    Default Re: Middle East Debt being chased by CWD

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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  9. #9
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    Default Re: Middle East Debt being chased by CWD

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


  10. #10
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    Default Re: Middle East Debt being chased by CWD

    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

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  11. #11
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    Default Re: Middle East Debt being chased by CWD

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


  12. #12
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    Default Re: Middle East Debt being chased by CWD

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

    99% are fake paper ones anyway..

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  13. #13
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    chelsea05 Novitiate



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    Default

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


  14. #14
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    Default Re: Middle East Debt being chased by CWD

    Quote Originally Posted by chelsea05 View Post
    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 DCAicon 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 claimicon 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.


  15. #15
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    Default

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


  16. #16
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    Default Re: Middle East Debt being chased by CWD

    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


  17. #17
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    Default

    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!!

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  18. #18
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    Default Re: Middle East Debt being chased by CWD

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


  19. #19
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    Default Re: Middle East Debt being chased by CWD

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

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  20. #20
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    Default

    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



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