Thanks Guys...

Thanks Uncle BG- I did the form this morning....but not sent it yet. I don't have a cheque book (who does). So how do I send the fee? Postal Order or Cash? Also do they have an email address also I can use....as well as post to tell them?? Thanks :0)

Morning Thanks for your comments earlier. I feel much stronger today. I am ready to defend myself strongly in court! I want to be in court for the pending court case to defend myself under 6 different scenarios. I also want to let the judge know today if possible the genuine reasons I missed earlier court dates and that I have made a monthly payment settlement offer to CWG. I also have a nice family living in my house paying rent and they have a disabled son who needs 24hr care...so how relevant should their rights be for this outcome?

Thanks and I appreciate your positive advice. You said " What are your thoughts on applying to the court to set the repayment schedule?" If it helps me of course. How though?

Yes of course I am. But except sensible repayment options I have no other options. Set aside is pointless as they will resubmit it. I feel so depressed because my house is all I have. UK debt charities are clueless. It's a grey area. I sent CWD a repayment offer by email but I honestly don't they care! They would rather see me homeless at Christmas.

Guys you have all been awesome. Tomorrow i I will contact the national newspapers because Coyle White Devine have taken this too far! Although I admit I went to work in Dubai in 2007 for a better life, I did NOT go there to defraud the local banks. Also although I admit I got in to debt, the AMOUNT disputed is absurdly high. I did NOT know bouncing cheques / debt was a criminal offence. I wish I knew this before I left. I worked in real estate which OVER NIGHT collapsed. This was unprecedented. 25 sales guys including me were fired the next day! What choice did I have? Leave asap. Or die in a UAE jail? Fact. Therefore Coyle White Devine have no interest in the facts, only your fees. Morals? CWD clearly very little.

I can't call them because tomorrow my boss is back. I will compose a letter tonight.

I can if I am working and renting my 2 spare rooms out......so yes.

I can pay £500 per month as I have no children. So yes 500 per month is achievable without lapsing... The 2nd charges would come off after completed? Also maybe on a reduced amount instead of £30k? - Maybe £15k? I'm thinking out loud.......here for the letter?

Definitely......I want to get my life back on track.......x

I'm sorry.

Or maybe a letter template? Thank you. Yes with my new job I can afford £500 per month from my 1st pay cheque. Yes...I can....with my new job. So I can send the letter tonight.... :0) Any thought on how to compose it please?

All I want to do is write to CWD and offer monthly payments now I've a new job....is it too late? OK - Can you please help me with a letter in reference to this? All I want to do is focus on my new job so I can not be bankrupt and to keep my house...with sensible monthly payments....so maybe £500 per month

The courts generally will not grant an order for sale if repayments are being made towards the debt......I can do this monthly!

So I'm screwed then. CWD won't accept reduced payments? I don't have £32k.

Thank you UncleBG. I want to sleep at night.... I still to this day can't believe that I could have stayed in Dubai without a cold prison cell. Does anyone have any good websites please for template letters?

The Law Society might be able to give you details of Solicitors - They don't...because it's a grey area. Uncle All I want is help and advice on negotiating sensible monthly payments so they don't bankrupt me. I think this is my only option as I don't have any savings. This is causing me great depression.....all I want is advise on negotiating a reduced amount on a monthly basis. So I can keep my house

Uncle BG...... I've asked CitizenB to put them up because I can't delete and I think it will be up later. I want to tell you something which I can't post which may help... Even if it was set-aside CWD will just reapply...surely?

Uncle BG can you send me please to [edited] your email so I can send you the CWD attachements?

By default.... Trust online I just did found 1 - 23/07/14 £7,526 Unsatisfied Judgment But I've 2 totalling £37k on my land reg deeds - No because I can't afford one. So did they get this by default because you did not defend the claim ? - Yes Have you tried to set the judgement aside ? - No because I was waiting for case updates from other members Have you seen a Solicitors about this and if so what did they advise ? - No because I can't afford one

Yes they do.....land registry x2

CWD reponse In relation to your below email, I can confirm that the Consumer Credit Act 1974 is irrelevant to the matter in hand, as your contractual agreements with Emirates NBD and The National Bank of Ras Al-Khaimah are governed by the laws of the UAE. However, as a matter of courtesy, please find attached your copy agreements, terms and conditions and statements of account, all of which have previously been provided to you. In relation to your request for a deed of assignment, I can confirm there is not one in existence. This is due to your liability never being assigned and remaining the property of our clients. Turning to your request for “any other documents referred to in the agreement”, we believe we have provided you with all of the relevant documentation. However, should there be any further documents which you require, please inform us. Finally, I would like to be clear that the above documentation have been provided as a means of assistance, and with respect your correspondence in relation to this matter is not required. My client’s have already obtained judgments and final charging orders over your property. Further, an application for possession and sale of your property (7 Carmichael Avenue) has already been submitted to Court. I look forward to hearing from you should you have any settlement proposals. Regards

Oleg Thanks for this and point taken. I sent my CCA request already so wait. I will let you know when the CCA arrives. In reference to arab docs that wasn't me. Uncle BG....see above. Thanks Oleg I sent you a private email... Did you receive please? Uncle BG can I send you a private email please?

Ally - Just confirm the pecking order from your sister.......that's all I need....international debt is LAST. Thka mate

Sure thing. I know 150% Force of Sale will get them zero....so why threaten it??