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.