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Lil21

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  1. Hello, I have received this letter this morning. It states I have failed to engage with the pre-action process. I haven’t responded to their request regarding the Credit shield, they have now threatened they anticipate commencing legal proceedings. Do I need to respond? Thanks Scan 04 Mar 22 · 15·27·14.pdf
  2. Hi, this is the response I have received today…… Do I need to reply? Thanks Scan 04 Mar 22 · 15·27·14.pdf
  3. Will that make any difference to my response given the other aspects listed? thanks
  4. Here is what I have soo far... Box D – I dispute the debt The debt purchaser has yet to provide any or all of the required documentation. The account remains in serious dispute with XXX bank as I entered into and paid for their credit shield protection scheme, no balance should have ever remained past XXXXX Box I – I need more documents or information Original signed finance agreement together with the terms and conditions in English Any notice of change in account terms and conditions that were ever issued since credit approval Any notice of default or UAE equivalent that was issued by the original creditor All and every statement of the account including how any interest has been calculated. Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter of Claim and /or issue court proceedings concerning a UAE debt. The UAE is not a 'member state'. Proof that UAE Court Judgement has already been gained upon said debt.
  5. Sorry dx, there has been nothing recommended on my thread re recommended reason as advised from your thread? Can you assist?
  6. Morning, just wondering if I needed any further information on my PAP reply that I need to send this week other than the below Original signed finance agreement together with the terms and conditions in English Any notice of change in account terms and conditions that were ever issued since credit approval Any notice of default or UAE equivalent that was issued by the original creditor All and every statement of the account including how any interest has been calculated. (Statements are inc in the pack they sent, do I need this adding?) Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a UAE debt. The UAE is not a 'member state'. Proof that UAE Court Judgement has already been gained upon said debt. thanks
  7. Hi, Just writing up my reply to the PAP. Other than the following, do I need to add in anything else? Original signed finance agreement together with the terms and conditions in English Any notice of change in account terms and conditions that were ever issued since credit approval Any notice of default or UAE equivalent that was issued by the original creditor All and every statement of the account including how any interest has been calculated. (Statements are inc in the pack they sent, do I need this adding?) Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a UAE debt. The UAE is not a 'member state'. Proof that UAE Court Judgement has already been gained upon said debt. Thanks
  8. Thanks DX Will this any difference to how so respond to the PAP? thanks
  9. Hi, as per my previous post, here is the application firm, I can’t get the T&Cs smaller than 6.8MB T&Cs ….finally! Card Application Form + T+C's.pdf
  10. I will keep updating this thread as many go off the radar
  11. Hi, pretty similar situation here, although not many letters. I don’t think it is statue barred, UK law states 6 years but UAE is 10 or 15 years. I’m just in the process of completing my response to the PAP they sent…it’s making me ill worrying but good advice on here Good luck
  12. Yes I did write in December 2014, followed up with calls and emails…..no response. CWD Were also informed in 2015 when they first made contact
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