Hi all,

Hoping for some advice.

Received the attached today - what can they do at this stage?

They attached all statements and agreements.

Do I need to act on this or again ignore?

Any advice gratefully received.

docs1.pdf

one multipage pdf next time please - read upload

its not a compliant PAP letter of claim

its a begging letter filled with lots of if's and but's.

I think your latter idea is the best.

there are 100's of threads here to rad

you'll soon get the idea .

dx

Is that the first letter you have received ?

Do you have any UK assets such as property that would be at risk ?

Are there any issues with the debt that are unresolved in the UAE ? I.e. Did you enter into any dispute regarding the debt ?

That first letter reads exactly like one minicredit would have put out

Uk doesnt have a bilateral treaty with UAE but the EU does.

Now that is alomist impossible for a UAE client to rely on because of their behaviour and the UAE lender will have had to go through a lot of hops before they could even consider asking a court to consider the matter and that is why they hire bandits like these dca's.

now the Uae creditor has to apply for enforcemeht within a year of the original judgement in the UAE unless there is a very good reason for not doing so.

so this leads to some questions

- how long since you left the UAE and what court paperwork did you receive at the time or since?

The bank has to get various levels of judgement according to who owns the debt and whats sort of debt it is and that means paperwork under different parts of UAE law.

the dca wont have any of this so they rely on just telling you that you owe the money and threaten things like statutory demands without the necessary proof to go further but if you dont respond at that point they can get a default win..

their other problem is that your debt still has things being added to it so isnt a judgement that can be considered by a UK court.

It has to be for a fixed sum that was contractually due at the time of the judgement.

as an aside various EU countries have legislation that prevents spurious amounts of interest being claimed, whether contractual or not so try an accommodation address in Italy for example and see if CDW fancy their chances there.

Hi all,

Also very worried.

Today received letter of court action with completed County Court Claim form. 

What do I do next? 

Is it time for a solicitor? Or can someone please give me advice 

Untitled 2.pdf

Hi

Hoping someone can help me out here.

Today I received the attached letter and court order?

Do I need legal representation?

Do I need to respond? No dates etc.

please advise 

Untitled 2.pdf

please complete this:

I have merged your threads and moved random posts elsewhere to here

Name of the Claimant ? Emirates NBD (PJSC)

Date of issue – top right hand corner of the  claim form – - 04/03/19 (only received today 28th March 2019)

Particulars of Claim

What is the claim for – the reason they have issued the claim? Repayment of Outstanding Credit Card and Loan Liabilities

What is the total value of the claim? AED 250,000 + £2746.25 in costs

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes

Did you inform the claimant of your change of address? No as moved back to UK

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?

Credit Card / Loan

When did you enter into the original agreement before or after April 2007 ? After April 2007

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claimant's Solicitor - No correspondence from Creditor

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

Did you receive a Default Notice from the original creditor? No

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Left Country - unable to repay

What was the date of your last payment? Unknown - circa  Feb 2009

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No - at the time I would have been imprisoned

Have you  or yet to receive their full particulars of claim ?

Andy

Hi Andy,

Sorry yes pages of claim have been received.

then scan them up to ONE multipage PDF 

read upload

Morning Andy, Sorry yesterday had issue uploading PDFs 

Hoping this works this time.

Concerned I am running out of time - so annoyed that they sent this to me yesterday when it was filed almost a month ago?

claimemirates.pdf

Thanks......

And copies of this agreement with terms and conditions in English that their particulars rely on ?  I notice they make no mention to exhibits...which of course UAE or not they must comply with English Law and our processes of litigation and be able to disclose all the relevant paperwork they will rely  on..... 

Andy

HI Andy,

They did send copies of the agreement etc I can scan and send these later on this evening.

Do I need to respond to the court papers today? Concerned about the time frame particularly as the court filed on the 4.3.19 yet CWD only sent to me on the 27th received on the 28th March.

Have you acknowledged service this should have been done by the 22nd March ? If so then you have another 14 days to submit a defence by IE Friday 5th April.

Hi 

I couldn’t acknowledge service as it only arrived with me on the 28th March and was only sent to me on the 27th March! 

They included a letter dated the 27th so surely they gave me no time to respond? 

Is this unethical / illegal? 

Court papers come from northants bulk not cwd

ring the court make sure its a real claimform

Will do.

it has stickers and stamps on it. 

But thought odd the timings ans why come from CWD 

heading home to call them now.

Unless the crafty lot filed the claim to an old address then magically found your real one at the extra poc stage...

Hi All,

Spoke to Court - said it was genuine. I have until the 12th April to Respond as apparently they were notified today it has been served?

Papers attached that were also included. Lots of incomplete sections / Dates amounts etc on the terms and conditions - Not sure if this helps or not. 

Had to make small and via Word as for some reason scanned file wouldn't work - let me know if better size quality required.

Really need some help and advice please.

Emirates3.pdf Emirates2.pdf

Claim is not from CCBC Northampton its a manual claim ...CCMCC ....Salford most prob..the claimant serves the claim form on you.

yes i forgot about that salford trick

wack everything into ONE multipage PDF 

read upload

6 hours ago, ConcernedExpat09 said:

HI Andy,

 

They did send copies of the agreement etc I can scan and send these later on this evening.

Do I need to respond to the court papers today? Concerned about the time frame particularly as the court filed on the 4.3.19 yet CWD only sent to me on the 27th received on the 28th March.

 

 

Have you got a really bad scanner or are they Illegible ?

Andy

Claiming Interest.... that is Interesting..... will inform separately (CAG   certain things do not need to be Public.... it tips CWD hand)

Suffice to say that interest is Haram under Sharia Law... CWD have expressly used the term interest.

Uk doesnt have a bilateral treaty with UAE but the EU does.

The EU does not.

Hi additional papers scanned and attached.

lots not dated and completed not sure if useful?

Rang the court said it was genuine. Said ignore date on sticker and that it’s been notified as served today and I have until the 12.4.19