Marc Gander - The Consumer Survival Handbook


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

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  1. #1

    Default International Debt Recovery - UAE debt

    I know there are a few threads on similar subjects here, but wanted to set out my exact circumstances to see if anybody could advise on my next course of action.

    The usual story, lived in the UAE for four years, topped up a loan to pay for accommodation and expenses.
    That was all fine before I was made redundant in early 2017.
    With accounts frozen, felt I had no choice but to get my stuff together and return to the UK.
    Debt is around 100,000 AED.

    I've had all of the normal emails, them trying to call me at my place of work, etc, but now appears they have enlisted the help of a UK company, International Debt Recovery, who I see ran a credit check on me, where I presume they got my address.

    Have received a lettericon from them, where they namecheck HSBC Middle East and ask me to get in touch in the "next seven days".
    I have since received a text message from them, too.

    What are my options here?
    I'm in no position to pay back the £ currently, and I understand that they're not exactly accommodating when it comes to payment plans.
    I have taken on a mortgageicon since I returned to the UK with my wife, but that's only been in the last eight months and it is a first time buyer scheme, so very little/any equity has been built up.

    Just looking for some advice really, have read elsewhere that people have ended up bankrupticon over this, so must admit I'm slightly concerned.

    Thanks in advance.

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  2. #2

    Default Re: International Debt Recovery - UAE debt

    read as many threads about UEA debt HERE ON CAGicon as you can.

    I wouldn't be paying much attention to what you read elsewhere on certain sites...
    it has been proved that most cases you read about whereby 'something' did happen..
    were either patsy cases whereby the individual was paid far more money to allow it to happen behind the scenes ,, so these so called 'help' websites get your custom and sc@m yo on fees etc and ofcourse a backhander from whoever too.

    or

    they were ex employees or relatives but the same MO applies.


    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3

    Default Re: International Debt Recovery - UAE debt

    You certainly don't enter into any communications at this stage. If you responded, they would just increase the pressure on you, to come to an arrangement.

    UAE statute of limitationsicon from memory is 20 years, so the only thing you have to be cautious about, is the potential for the creditor to maintain contact over a number of years and then later to try to take action. By that time, the equity in your property may have increased. This is not to say the creditor would be successful with any court claim against you, but if you wanted peace of mind by getting shot of this debt, then you could contact the original creditor in the UAE to negotiate. You just don't deal with any debt collectionicon Agency or any company that advertises online that they help with Dubai/UAE debts.


  4. #4

    Default Re: International Debt Recovery - UAE debt

    Agree with the above. Dealt with CWD a few years back and after advice from dx100uk Iíve never heard from them again. 9 years of abuse from Dubai collections agencies Iíve managed to deal with them also. Now IDRWW *******s tried there luck but basically have told them unless they purchase the debt and itís taken to court please donít contact me.
    Debt is at 500,000aed


  5. #5

    Default Re: International Debt Recovery - UAE debt

    Dont forget to update your thread too then..

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  6. #6

    Default Re: International Debt Recovery - UAE debt

    Hi there,

    Thanks for the advice, great to have somewhere like this to get some feedback.

    So, they've followed up with another letter outlining exactly what they claim I owe, so that's two letters, a text message and an email.

    So is the overarching advice here just not to engage? Worth sending letters back, blocking emails, etc?

    Thanks again


  7. #7

    Default Re: International Debt Recovery - UAE debt

    I would certainly block and bounce email and put the texts to the usual spam reporting number.

    as for the letters, no do not send them back.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  8. #8

    Default Re: International Debt Recovery - UAE debt

    Not worht the price of a stamp to engage with them, why do you think that these bandits get employed to chase you?
    International law is a funny thing adn the DCAicon would never buy UAE debt becuase that would kill any chance of it being enforced. Sounds perverse but that is because the law differs so much (there it can be a criminal matter and that prevents UK civil court considering anything) betwen there and here and there is no reciprocal arrangements.
    Basically they rely on telling you a load of bull to try and get you to agree soemthing that can become binding.


  9. #9

    Default Re: International Debt Recovery - UAE debt

    Thanks very much for your advice, will keep you posted with any updates.


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