Can’t seem to open the link you sent (forbidden?)

Googled this:- 'memorandum of guidance uae law'

Indeed - pretty much sums it up -

First statement of the 'Memorandum of Guidance':

“This memorandum has no binding legal effect. It does not constitute a treaty or legislation, is not binding on the judges of either party and does not supersede any existing laws, judicial decisions or court rules. It is not intended to be exhaustive and is not intended to create or alter any existing legal rights or relations.”

think post 28 sums things up nicely..

Well said - pretty much sums it up in a nutshell

thanks for the updates..

Have found this:

https://www.judiciary.uk/wp-content/uploads/JCO/Documents/Guidance/uk-uae-protocol-with-logos.pdf

Don't get yourself all stressed out Jo

- I too was in your situation, and believe me, I felt like I was Interpol's most wanted person, dead or alive, preferably dead!

There are really decent people here on CAG who really know their stuff, and helped me see things from a different angle.

Rest assured, you are not alone, and you may feel like the world is crushing around you, I assure you, far from it.

Do not be intimidated by the threats.

Read the letter again - " they will consider legal proceedings..." is all about the wording, just like saying, "I will absolutely, definitely think about it..." not as convincing as "I will do it."

Unlike the Middle East, debt here is not a criminal offence, and there is a plethora of debtor tools/options to assist.

You are not alone!

thank you again for the updates!

Am sure all will work out for the best for you.

A quick update on this.

 

I contacted CWD stating I had no assets or income which was the truth. We're now about 9 months on and I haven't heard anything back from them. Whilst I very much doubt they have forgotten about me, perhaps they realise there won't be any point in pursuing it!

Thanks for the update!

Definitely a huge sigh of relief - I guess that would be the DCA's Ace card blown off the table - a contested SD. Thats the key.

Great stuff!

Thank you MoSalah for the updates, definitely helps and informs us all tremendously!

Excellent Mosalah, well done!

Was that done by yourself?

What did you need/put together in order to successfully 'set-aside?'

Just want to get a picture of what I would need to gather/prepare, should I ever need it!

Thanks' Mosalah!

Hi dx, I believe there is a definite confusion here! I just want to find that 'well known website' you were referring to. I have no idea who they are! Sorry everybody for confusion! Just give me first and last letter of their name, and I'll search.

stop play guessing games c&p name them

Hi dx, I am trying to find this 'well known website' in order to see what you are referring to! But obviously, cant , as dont publicise fleecers!

I have no idea who it is, hence asking whether you are referring to that site - without actually naming them! Hence the confusion, I was referring to that 'well know website' mentioned earlier in the thread, and whether contains 14 letters , begins with a 'C' and ends in an 'L'? - Cedarfinancial.. there, are these who you referring too?

Hi Chelsea05, hope all is well!

I too would like to compare notes; By any chance, does this particular DCA contain 14 letters , begins with a 'C' and ends in an 'L'?

Dear MoSaleh, all will turn out in your favour, be confident!

Please, please do update us on any proceedings, no matter how insignificant.

..An emotion!!! I knew it, there is some 'human' in you!

Hi there ericsbrother, Yes, indeed... This is the pattern i see unfolding!

Always a daunting and somewhat stressful experience to a newbie, as myself!

I must admit, I am much more confident on proceeding now I have a clearerepicture on how these people operate - sow the seed of fear, and many will succumb..

In order to complete the circle of events, I shall of course, in the interests of similar situations, shall post/share everything that transpires, irrespective.

Extremely valid point dx100uk!!

Btw - do you EVER sleep!?!

I commend your support to the cause/fight, truly admirable. Thank you, and thank you CAG

I shall, of course try and refrain from taking over other's threads.. guess i did get carried away.

I shall, without fail, keep all involved updated on ANY developments, no matter how small... x

No they have no jurisdiction

Exactly what I thought dx100uk, but what about the T&C's of the credit agreement, notably the jurisdiction clause which state that the debt is enforceable in any jurisdiction... would that not then be relevant and applicable in the UK?

Yeah, sorry about that peeps, guess I got carried away

True dx100uk, very true... But can the Creditor (who is the owner of the debt) initiate legal debt recovery proceedings via a uk lawyer, say CDW for example on their behalf?

Would/could CDW/IDR be on stronger legal grounds if they can 'buy' the debt?

Dear chelsea05, I too have been trawling the web... I am just going to air my brief thoughts on what I have trawled through thus far... One grey area in particular does stand out:

Would the T&C's of credit agreement - a jurisdiction clause which will clearly state that the debt is enforceable in any jurisdiction... Question remains, is this clause enforceable/applicable or even actionable in the UK?

As idrww & CDW share the same director - I believe their 'inhouse' progression phase to be -

1. Idrww issues the intent of collecting a debt - on behalf of UAE bank instructions (standard letters go out etc, etc)
   
2. CDW kickoff legal proceedings - this is the grey area, is their 'Ace card' based purely on the 'enforceable jurisdiction' clause?
   
3. CDW then follow-up through in-house legal proceedings- with x2 options, either pay up or lose everything 0% negotiation - or do they commence? Is this pure scaremonger? As dx100uk would say; 'willy waving.' Although I have yet to come across a UAE Debt collector's success case. Cases were Bankruptcy, and/or CCJ's were allegedly enforced were most likely acted out through no defense from the defendant?
   

The above is purely where I am seeing things from the balance of what I have read... I am certain the good people of CAG can and will expand upon or clarify my understanding!

Hi there Tobewan,

As I am in a similar situation as yourself, I am anxious to know if there has been any development since your last post? If so, what has transpired to date?

Thanks Tobe

Thank you for that Chelsea05

On the back of your thread I have done a little searching, and interestingly, IDRWW and CWD share the same director.

This appears to be a whole house of one enterprise solutions, comprising 3 people. Not a vast network i envisioned..

Now I see the relation of escalation from Debt collection to Legal application, all under one roof.

I have gone through your thread, and although I am in the interim stages, I can say I do feel more confident of my standing. The advice to 'ignore' seems so much more appealing.

I shall keep this thread updated on developments. Whatever they may be...

Surely there must be a 'turning/escalation' point!? I doubt these agencies would stop at simply not getting a response.

When they claim (on their website)t o have 20-30 successful monthly convictions, surely this has not transpired through 'ignoring them.'

Unless of course, that statement is ridiculously false, then there is cause for concern that perhaps silence would only yield a legal intervention from them?

I am clutching at straws here - I do not want to have to go through this, we have been through enough over last few months... But I will fight the fight if needed!

Just need to get my facts right and true. Hence I am here

Hi dx100uk, you seem to be forever online and providing immediate support to us mortals. Another reason as to why i donated to the great cause!

Ignore them all

Hi Chelsea05,

Great to see I am not the only one here!!

If you dont mind my asking, was correspondence done purely through email?

As I have been away for some time, I have not yet established myself properly here yet, and doubt they would have my address... I suppose this is a good thing?

Hi there CAG Community!

So relieved there is hope out there - CAG!!

In a nutshell, I have lived in Abu Dhabi, UAE, for many, many years.. I had a credit card and a loan, of those in the know, is a must if you are in need of renting any property as x2 payments up-front are needed..Anyways, long story short, I have always paid my loans/CC's on time, every time.

In Dec 2017, I was unfairly dismissed, (part of the emiritization restructuring) and was given 3-hours notice to leave.

Contravened Labor Law, thus was unlawful (which didn't make a difference) desperately tried to fight for my End of Service benefits, notice monies etc... which all went down the 'inshallah' road.

Time and money ran out, I have had to leave Abu Dhabi as could no longer stay live there with my wife/kids as had no income.. Had to return to the UK in Feb 2018. Thus defaulting on monthly payments.

Total debt; in the region of AED123k, approx £22k excluding the ungoverned interest rates

Right, to the point; I have received an email from a collections agency couple days ago.

The email is as follows:

Dear xxxxx,

First Abu Dhabi Bank (PJSC), Unique Identification Number xxxxxx

We have been instructed by First Abu Dhabi Bank (PJSC) (the merger of First Gulf Bank and National Bank of Abu Dhabi) in the Middle East to deal with a number of liabilities owed by individuals resident here in the UK. All of our work in this respect is regulated by the Financial Conduct Authority in the UK (under FCA licence number 737367).

A liability in your name features on a portfolio which we have been instructed to manage. We have been provided with this email address for you, so our intention is for all communications to be directed to this address. That said, we know and are sensitive to the fact that debt is a serious and very worrying issue for many people - so we do not want to increase that burden by communicating with you through inconvenient channels.

Accordingly, if you do not want to be contacted via this email address, please let us have an alternative means of communication, within the next 7 days; either a telephone number, another email address or a residential postal address.

If you do not take up this opportunity to direct us down a particular communication path (or paths) then we will assume that the continued use of this email address for communication is acceptable to you going forward.

Please telephone us on 01494 911099 within the next 7 days. Our operators are here to help you Monday to Friday between 9am and 5.30pm. Please quote the above Unique Identification Number when you call.

Please note that there is free debt advice available for anybody in the UK who needs it. This resource is available from the following organisations, amongst others:

citizensadvise and moneyadviceservice