Hey Guys.

I have twice complained to the SRA and they have come back to me saying they are looking into it.

I even go my local MP involved and they emailed the SRA also.

I have also contacted the Daily Mail to see if they are interested in the story.

I will let you know the blog once it is up so we can all chat there and share stories.

Every time i ask the question to them about the jurisdiction they cannot answer.

Here is what i got back from My Coyle himself so you can see

- I am not the best person to express any views on the way the banks treat you and I can say that the sentiments you have expressed are not uncommon! ( so why are they representing these stupid banks then ) !!!

From a UK perspective, I can assure you that:

1. We are fully regulated in all our activities (including debt collection) by the Solicitors Regulation Authority;

2. In relation to our debt collection services we are exempt from direct regulation from the Financial Conduct Authority

– it’s a bit of a minefield,

but if you can access the FCA’s Perimeter Guidance Manual online,

you will find the solicitor’s exemption at 5 (b) of PERG 2.8.7C;

3. Tracing Services are no longer regulated by the FCA at all (under the previous Office of Fair Trading regime, debt collection companies, but not solicitors, were regulated) but our services are carried out in line with the Code of Practice issued by the Credit Services Association which itself ensures compliance with our statutory obligations under the Data Protection Act;

We are handling thousands of accounts here (RAK Bank is one of 10 banks we act for in the middle east) and, regrettably but inevitably, the service which bank customers receive is not as pristine as you might expect if you were buying a new car, or anything else more pleasant for that matter.

My job is to ensure that our banking team work ethically, compliantly and efficiently for the benefit of our banking clients. Sometimes, I’m afraid, the volume of traffic being handled by our team does not allow for every single question posed by a bank customer to be answered. That appears to be the case here but I’m more than happy to answer any additional queries you have over the telephone if you wish.

CWD have to be very careful how they issue any court claims, if they have agreed any contract to share debt collection proceeds with a bank.

If you look into what happened with ACS Law who had a 50/50 deal with copyright holders, it led to a very unhappy ending.

There are rules regarding Solicitors who benefit from any claims they bring and they have to advise the court plus defendants of this.

To issue a claim in the name of a client bank only is not being totally transparent with all parties involved.

There are also rules that SRA apply where Solicitors sign such agreements with clients.

Hello everyone it’s beem a while. Any updates. I have seen now IDRWW operated by Mr Coyle of CWD are active and have already contacted me with the usual BS

I’ve contacted again the FCA and also local MP as I feel 2019 should be raise awareness if these companies not following the rules

Any updates on this and also the IDRWW

might be best to stick to your own thread instead of running around every UAE thread panicking about nothing.

dx

Ha ha worry is something I will never do. The last 10 years I’ve battled on and done all my own research but always good l or something different

if everyone stuck to their own thread

99% of these threads would be 2 posts long. = no ignore!

if you look at nearly ALL UAE threads

its the world and his oyster going around saying hows it going on every threads they can find relating to their issue.

you posts are all here now on your own thread.

dx

Sorry if I don't contribute to the thread, but out of curiosity, why and how anyone would run into hundred of thousand of debt in a country where having bad debts is worse than murder?

After falling behind the first thousand, wouldn't a reasonable person try to clear the debt rather than pile up hundreds more?

Or is it a common misconception that running abroad after a few years in luxury would clear the debt?

My friend left UAE in a rush, even left his 80k car in the airport car park because chased for his debts.

He keeps moving from place to place and country to country in Europe, laughing at the UAE banks and thinking that they'll forget about him.

Instead they seem to have eyes everywhere and find him within weeks of moving every time.

and theres stuff all they can do.

many just like your friend had to get out...and quick..we know why most of the time:madgrin:

just don't be journalist..

UAE then inflate the debt with unbelievable int rates..most of which suddenly disappear when fronted.

nuff said..

Very true, but the constant bother of receiving calls, emails, letters etc is a real pain.

Without considering that at any point our bright politicians could struck a deal with them to make the debts enforceable.

You never know.

Personally I would never even dream to visit such countries even if they offered me a free holiday.

there is no 'deal' with UAE..

what he is suffering is what they do to everyone...and if there was 'a deal' then it would come under our laws..but there isn't and that is why they get away with all these threats and blatant harassment.

no one can stop it..but no-one should ever eact to it...ignore..document carefully.. then use it when the time comes..and it will..

there are more political things behind my simple comment of just don't be journalist..than meets the eye..

dx

Dealt with CWD a few years back and after advice from dx100uk I’ve never heard from them again.

9 years of abuse from Dubai collections agencies I’ve managed to deal with them also. Now IDRWW tried there luck but  have told them unless they purchase the debt and it’s taken to court please don’t contact me.

Debt is at 500,000aed

Dont forget to update your thread too then..

Not as embarrassing as being sat in work and having a fax come though to your director saying they are searching for me as I owe money !

Then my partner at work which is how she found out.

That said 9 years I have battled them all and will continue.

As for CWD and IDRWW there will come a time and I am happy to stand up them all with a group of all of us. 

I’m still trying with local MPs and FO

I am going to raise this again with the FO tomorrow and my local MP.

This is not on at all and no way fair.

I am also going to message all my contacts at step change and other debt charities to let them know this. 

Regardless of situation it cannot be right that they allow a debt to be collected here that has not even been passed in the courts in the UAE firstly and then using ruthless agents who go against all collection laws possible.

Double standards ! 

Hi. Just to update everyone. 

I have contacted the BBC watchdog (I have a contact there)

also sent letter to SRA and the FO and ccd in all step change etc. I feel they all need to know this story in a sense that Cwd and IDRWW are not acting fairly in someways. 

I also received this message from an advice person high up Quoting

Thank you for your email.

“A non-UK creditor can contact you in the UK, either directly or by using UK-based agents to collect the debt. They also may be able to take action using the UK courts. To do this they would usually need to get a court judgement (the equivalent of the CCJ/decree) in UAE first, then start a second claim in the UK and get a judgement before they can enforce the debt.

If a debt originates outside of the UK it is not likely to be covered by UK regulators or ombudsmen, so if there are any legal disputes you will need specialist help. We would suggest getting independent legal advice from Citizens Advice Bureau or the Law Centre.

who?

Step change 

that explainsit ..since when have they ever done anything but make debtors blindly pay debts thru them anyway..

they don't even check debts enforceability when they sign people up to their plans..

dx

I’ve fired an email this morning again and copied in the SRA, Step change, FO And the FCA.

I will continue to send this until I am heard.

I will not have Mr Coyle and his partners (ones who called me at my work and were working as debt collectors under the CWD name) get away with acting unlawfully knowing full well people here do not know the full story of debt in Dubai. 

The SRA especially need to do some research into this and instruct somehow those judges who sit in small claims courts to understand there is a lot more to this story and believe me there is plenty. 

It cannot go unnoticed any longer and not allow CWD to win these cases without anyone knowing the full story.

SRA wont do anything. The solicitor is just being a good boy and being told to do as ordered.

My last correspondence with IDRWW was in January of this year and after my last letter saying to them telling them to show me what you can do or indeed get Mr Coyle from CWD to get in touch then I will reply I have heard nothing again.

I want for the next round from them or the others from Dubai its a fun game (also all other debt collection agencies in Dubai which seemed to have backed off a little )

I am the same 11 years ago from Dubai now and 6 years ago someone from CWD (when they were getting excited and starting out) had the cheek to call me at work to which I took them to the cleaners !! for breaking every rule possible.

It was only when i seen an email then from IDRWW using there offices that I knew what he was trying to do 

I’m fighting IDRWW and CWD and I’m looking into taking CWD to court also for their 9 years of unprofessional abuse on the back of DCA in Dubai also.

Latest update is I received an email from IDRWW one Mr Letheren who was also with CWD who contacted me in 2014 so I’m guessing he’s moved over to IDRWW.

The email contained a document that you cannot open and have to request a pin !! 

Ive repeatedly told them I will not entertain anything until this debt has been bought with all 4 banks and they issue court summons then I shall file my defence with 9 years of evidence from the abuse received. 

I think it maybe only a matte of time for me also although different circumstances 

on another note after 3 years the FO have finally acknowledged my complaint and the daily mail and the FO have written to Mr Coyle and indeed IDR.

It seems that now they are using solicitors as debt collectors without titles and without signing off emails very shady and very dodgy ! 

I will certainly update you once I get my feedback 

a new one for my on Saturday email to my new work place !!!!!! Unbelievable