Just received two letters from Moriarty Law regarding unrecognised debts from ADCB in the UAE. I have responded stating I don't recognise the debts and have requested documented proof in addition to any insurance documentation that is routinely taken out with CC's & loans. My recommomendation is once you receive the Final Demand BP letter, request information by return letter (recorded post only). Do not get into telephone conversations with them unless you record everything (and you have to inform them that you are recording at the start of the conversation). What is ironic is that the prime owner of ADCB - Crown Prince of Abu Dhabi - owes me for unreturned rent & deposit to the sume of 60,000AED from 2015 via his private office. But because of his position and Court bias, no expat stands a cat in hells chance of recovering it. On top of that two other organisations owe me considerably more and are equally untouchable. This could get messy, and I will open a can of worms the UAE definately don't want publicising. Will keep you updated