Just thinking out loud... if I was to make a settlement offer for a percentage of the amount claimed, does that automatically mean I'm acknowledging I owe the full amount? So, if they don't accept the amount offered I will not have any defence if it were to go to court?

The law that applies is UEA in regard to the provision of the credit card and the running of the account. It would only be the enforcement bit that would come under UK court rules.

So, would the UK statute of limitations apply when trying to enforce UAE debt through UK courts, or the statute of limitations in the UAE?

Hi.

I am in a similar situation, again...

I've also received a letter from Coyle White Devine regarding some old (2003) debt from Dubai.

This is the third time I have been chased for this debt since returning to the UK -- the last time being around 3 years ago.

On both previous occasions, based on various advice from forums, I simply ignored the threats (court, bankruptcy etc.) with the understanding that the debt would be unenforcible in the UK. Eventually the letters stopped, and I even received a letter stating that it had been decided not to take further action. Not a single letter was sent recorded delivery.

What, if anything, has changed in the last 3 years that would make this latest attempt any more successful? I see from other threads in these and other forums that CWD have had success in enforcing UAE debt, but if that's the case, why did the previous two DCAs simply give up?

I'd prefer not to engage with this company, but I am prepared to write to them to ask for supporting documentation if advised to do so. The letter states I have 21 days to contact them with plans to repay the debt.

What would CWDs next step likely be if I simply ignore it? Am I right in thinking it can't do anything involving courts without informing me first?

Some advice on how to proceed would be much appreciated.