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About Urban0004

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  1. Thank you. 2 clarifications A) so for my ex-wife she completes the forms acknowledging the claim but defends it as she was a supplementary card holder (with no signed evidence that she was even aware of the agreement) and as such not being liable for the outstanding amounts. B) Me. I think the amounts shown are unreasonable. Do I start a dialogue with the Bank or is it too late for that? I recognise that I used the money and have an obligation to repay but to repay the Bank and not their Agent. So I complete the form acknowledging the claim but do I put that I disp
  2. I have no idea if manual or MCOL. I have a reference number from CCMCC if you need that for any reason.
  3. @dx100uk the full POC is 6 pages. How should I submit them to you?
  4. Hi, Yes I have copies of the agreement. There is a clause that contains "The Terms and Conditions are governed by and shall be constituted in accordance with the laws of the United Arab Emirates and the Cardholder hereby submits irrevocably to the non-exclusive jurisdiction of the courts of the United Arab Emirates. Such submission shall not prejudice the rights of the Bank to bring proceedings against the cardholder in any other jurisdiction in or outside the United Arab Emirates"
  5. Name of the Claimant ? Emirates NBD Bank (all paperwork from IRDWW) Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 26/03/2021 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submi
  6. Hello, I have read many threads here but cannot find a suggested response to my situation. Background Left UAE in 2014 having lost job/residency. Credit Card debt outstanding. IDRWW chasing for a year or so. Ignored all communication from them. Just received a CCMCC claim form and need to respond by April 9. Looking for guidance on what to do next. Bank have current address details. Not had conversation with Bank (ENBD) at all. Ex-wife named as supplementary card holder but never signed any application forms and has a complete set of C
  7. Hello, I have read this thread and others with interest. I have received a series of IDR letters, all ignored, but have now been issued with a document which appears to be a Court Claim. What is your advice on next steps with that? Appreciate your guidance.
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