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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 dispute the amount? or...
  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 submit defence = 02.04.2014] = 33 days in total Particulars of Claim What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Repayment of Outstanding Credit Card Liabilities. What is the total value of the claim? AED 300,000 plus £3,000 costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I have had a series of letters from IDR/IDRWW. I haven't kept all of them. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? In branch Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Non-UK debt at this time, but unsure of actual answer to question Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Appears to be issued on behalf of original creditor Were you aware the account had been assigned – did you receive a Notice of Assignment? No/No Notice Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Lost job and residency visa What was the date of your last payment? July 2014 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. What you need to do now.
  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 Claim documents sent to her also. I appreciate all and any advice offered.
  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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