Hi

Left UAE 2013 with a loan (lost job was advised to leave country by company, I’m back in the UK)

CWD made contact in 2014, and 2016,

I denied the debt and evidence that I was in contact with the bank. then nothing.

Then last week IDRWW text me (?) and letter saying they got my details from the banks portfolio and can I make contact.

Do I ignore?

I have evidence of my contact with the bank

- there is/was an ongoing complaint and they have not tried to resolve it either way.

I’m anxious about this now

Any actual outcomes?

I searched London gazette and only 1 person from CWD was made bankrupt that I can find and that was a while back.

I just bought a house less than 1 year ago and have no equity (help to buy)

Reassurance or actual outcomes are needed if anyone has any please?

Ta

you are safe to totally ignore IDRWW

there is nothing they can do to you in the UK for a UAE debt

This was the reply from Stepchange debt help people....

As the debt is a non-UK debt and we are regulated by the Financial Conduct Authority to give advice on UK debts only, we can only advise here in an extremely limited capacity and would want to make it clear that our expertise only goes so far here.

To be on the safe side, I would advise you get in touch with both.

This way you know you have covered all bases.

The debt collection agency is being employed to collect the debt by the foreign company.

This means they probably haven’t yet taken court action.

We can't advise on the specific likelihood this foreign debt will lead to court action, but we can say, generally, that the bigger the debt is, the more likely a creditor is to consider court action to recover the debt. At the moment, it seems as though they are content in asking a debt collection agency to do their best to recover the debt and potentially come to some type of arrangement.

Usually, a creditor on foreign shores has to get a court order in the country of the debt's origin before they can start a claim in the UK courts.

Then, there is always a chance the UK courts may reject the claim on the grounds the claim is contrary to justice under UK law, but I wouldn’t count on this.

You can see that this process could be seen as relatively long and arduous for the creditor in question, so this is why they often try other methods such as employing a debt collection agency, whose powers are limited to asking for payment and potentially threatening court action.

If it did get as far as court action, we would advise seeking specialist legal advice with an entity or party able to advise on the legal system of the country in question.

please have a read of the threads in this forum, you will see that no one has been taken to court in the UK for one of these UAE debts

I would reiterate it is best to totally ignore, they will try and frighten you but will not take this any further

a dca is not a bailiff and has no more powers that you or me

I thought I had read on here someone served with statutory demand / then bankrupt papers? But can’t find the outcome. I can and will ignore but I’d rather it didn’t get to that point....

there are a couple of CWD/IDRWW SD threads running here.

as with all such threads , I would take anything you read with a word of caution, just remember we don't know who these people are.

it has been known , as you have seen in your research, for patsy's to be used whom get paid a greater sum to allow SD/BK to happen just to frighten people that hear about them.

your research very much mirrors what we have said from day one here on cag...

the recent thread about a SD will not go well for IDRWW in my opinion.

The poster seems to have a handle on things.

Now, anyone can sue anyone for any reason, it is only when it gets to court do the people concerned actually find out how good a claim is.

So, if you do get any court documents you must acknowledge and then challenge them.

that is usually enough as the company knows that it is abusing the system.

Until that point anything they send is just scrap paper.

Another text message from IDRWW

Hi all.

I’ll update as things happen.

Another letter giving me 14 days to get in contact with them.

Wouldn't worry about their arbitrary time scales, ignore them, just keep us informed with their progress, have you checked your credit file?

cant appear of credit files.

dx

Just making sure you were awake DX......

Ignore ignore ignore.

I know one muppet that engaged them and paid

He is still barred from uae and debt is still outstanding.

If they come to your house say you’re not there.

If they send letters, return them as not at this address.

Do not ever engage them.

They are a bunch of crooks.

If an unknown number calls answer but don’t give your name, ask who is calling.

when they ask for you tell them wrong number. DO NOT ENGAGE!!!!!!

Sooner or later they give up.... as long as you ignore them

I have the same via email

hi

another letter from CWD - Practice Direction on Pre-Action Conduct and Protocol - contained in the civil procedures rules (CPR) - its giving me 30 days to reply.

see attached what i have received, along with a copy of the application, and statements.

and this......

Letter of Claim.pdf

#RAK - DEBT PROTOCOL - ANNEXES.pdf

bounce block return And ignore emails!!

Well that's new...

Are they issuing speculative PAP forms as a sign of intimidation?

Stay put for now...

Two threads merged

Posts from another thread moved here

Please keep to one thread

Please keep to your thread

It came by email

Follow post 16

Debone are saying dispute the debt, as I have a statement that has clearly on

“Automatic write off” and a credit made of the full amount therefore showing no balance?

You never respond to emails about debts ever!!

Block bounce return ..ignore

Ive received the actual letters in the post now

If you get a genuine Claim Form - Come back and we will advise.

Until then... Ignore for now.

Hey there; similar situation here. But what i have learnt from reliable sources is that they can only make an attempt to collect debts and according to UK laws. I have heard conflicting stories of the enforceability of debt purchases.The only issue comes by when the courts in UAE issue a sentence. Not that they can do much; but the banks can still request for an enforcement of the local courts judgement in the UK.

no they cant.

your reliable sources are not reliable.

debt in UAE is a criminal sentence, in the UK it is only a civil offence.

if your reliable source is that certain website, they say that to gander customers to fleece on fees to supposedly defend you and negotiate payment on the debts..[and get a hefty backhander from the creditor]

dx

Foreign debts can be enforced in UK Courts, but it is not that straightforward. The foreign creditor would have to employ UK Solicitors, who would charge them a lot. Then there is the process which would take months, with no certainty that they would recover the debt. If they ended up with a CCJ, but the debtor can only afford say £50 a month, what would be the point ?

If you owned UK assets such as a house, then it might be worth pursuing you. But again, it is the process, cost and issues they would face.

The Debt collectors who buy these debts try to fool you into paying them. You would think if they could enforce easily, they would issue say 2 letters and if no response, get a Solicitors to issue a court claim. It is obviously not that simple or cheap for them to do so. There are not many real cases reported of UAD debts being enforced in UK courts. Ask the question why ?