Life is a bit manic so I haven't gotten round to updloading the paperwork. I can confirm that I haven't heard from IDR since March 23rd.

The most interesting part of this is the discount is 30% higher than the actual amount without all of the interest charges.

I am working through all of the other documents for upload but just received this. I have zero plans to respond. IDR Legal.pdf

I am proactively reading and will get round to uploading every page of the documentation by the middle of next week. thanks for your input so far.

Sorry, I cropped it short to remove my name and signature.

In relation to your request for documentsinformation please see below our responses.pdf I received the response back as attached. I received a copy of the application (shown in the attachment), the terms and conditions from some form of web archive and a printed transaction statement. 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 that UAE Court Judgement has already been gained upon said debt. 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' . That is all I have. Do I now wait and see how they respond?

Cheers, on it now.

Kind of. If I click on the PAP link in your email they have sent pages 7 onwards. They have not provided the introduction, just Annex 1 onwards.

Thank you. I understand I need to complete the PAP in the thread below as per the instructions. Has there been any changes?

Not this debt no. I have about another one

I received the letter and annex's in the attachment today. I have scanned the letter, Annex 1, First page of Annex 2 and the first page of Annex 3. In addition there was an application form, terms and conditions (printed from an archive or web page) and a statement of account. I can also advise that the debt was circa AED90k and is now over AED700k. I left Dubai at the end of 2014. I am unsure if I need to do anything with these documents. Letter of Claim.pdf

I was out of the country and returned in 2014 - Cabot have confirmed my previous address on a call - they knew how to contact me is that an issue?

Unsecured I think the CCJ was from around 2011 or early 2012

Cabot financial have recently sent me a letter (that I believe is standard) saying I owe them money (around £8k) and gives me ways of paying - I have spoken to them as they seem to have got my mobile number from somewhere. They advised that it was an old Northern Rock loan and that there is a CCJ from 2009. I have said over the phone that I don't recognise this debt and they said they can investigate and it will take 16 weeks. A couple of more points to add and an amendment 1. I believe the CCJ was actually around 2011 / 2012 2. Any defaults and CCJ would have fallen off my report around 2018 2. Any repayments would have stopped around 2011 3. Not sure when it was sold to Cabot 4. I think I may have had a couple of letters from Cabot that I chose to ignore as I didn't recognise them Should I send a prove it letter?

£7k without interest, double that with interest. They previously offered a settlement of £4k which I wasn't in a position to accept.