Further update had to emails from CWD saying they are treating this seriously and investigating the matter.

Thanks, just good to know these people can be challenged. Also that there are solicitors who fight this stuff and win, they are a large solicitors too, he told me they had just won a 1.2 million quid libel case from abroad, so help is there.

Update.......... Sent my email and recorded delivery letter today contesting it wasn't me who spent the credit card (as suggested--thanks unclebulgaria67). Also a solicitor from [removed] , he told me that their firm DO, do this sort of thing and are pretty successful (note to everyone here!). He stated that this is" debt recovery" and whether you use solicitors or not...........contest it. Then they have to go back to their clients to see how vigorously they wish to pursue the claim. He also told me it was very much scare tactics and not be put off to contest. The legal costs are high in relation to my claim but I kind of guess you have to work out if its worth it for each individual. For now I will contest this myself and if they start with any funny stuff, I always have said mentioned solicitors . Hope this helps someone else.

Thank you soooo much, will do this over the weekend

Update ...........Phoned the Abu Dhabi consulate / embassy about 4 times, put through to dept after dept, still cant speak to anyone who knows anything!! regarding procedure for fraud. Phoned two solicitors in Uk, who stated they could help....... ....I have phoned one back 4 times as they have not returned my calls and I am waiting for another to call me back!! I have spoken to a mate of mine who retired from the serious crime squad a couple of yrs ago (he laughed at the whole thing) and promised if it escalated he would put me in touch with someone. He told me not to panic with the threats and time scales........but I am!

Thank you much appreciated

Hi New to this and this is my first post. I recd my letter last Saturday, with the usual gubbins. I have a solicitor who I work with and several friends who are serving police officers. All advised my to get as much info I could and then get in touch with a legal team. I also phoned the free services as advised on here and therefore gave them 40 days to get the info I require from them which supersedes their 28 day ultimatum. The info requested (credit card times, dates amounts etc) came back in 3 days, with a caveat from requesting the payment. I now know, that it was not me who spent the money as I was back in the Uk, meaning that fraudulently someone has been having a good old time at my expense! £5600 of it, with their interest. I am currently waiting for a solicitor to ring me back, as all of rightly claim, no-one knows for sure what to do with it, including the action fraud line and others. I still cant believe they can claim money through anywhere, when debt is accrued in the UAE. I will let you all know what happens when I speak to the solicitors. PS I have been home two years now and this is the first I hae heard of it!