Hello everyone. Update I have now received a copy of my contract from one of the banks EmiratesNBD . I read through the T&Cs but could not find jurisdiction clause Judge & Priestley referred to .. they said it was under the general t&c on emiratesnbds website. If it’s not in the agreement is it still enforceable? any thoughts ? the agreement just said they can pursue the debt in accordance with the applicable laws or regulations !

Thank you all for sharing your experiences and for the suggestions. I am wanting to settle this and want to write to emirates nbd for a settlement figure minus all charges. A lump-sum payment which I can afford and get rid of this . Anyone has any templates or sample letters they have used that they can share? I asked a legal company and they are charging £4095 for sorting all this out for me with all 3 cards. I figured why pay them maybe I can do it myself and settle. Please if anyone has any templates please share. Thank you

J & P sent me generic emails and texts and then letters saying 2nd attempt and if no contact was made they would start legal proceedings. I wrote to them requesting info under s77 of the consumer credit act sending them £1 postal order

Hi I left Dubai in 2017 but continued paying to 2 of the banks however due to certain personal circumstances couldn’t continue. One of the banks whilst I was in Dubai did a criminal case on me and I paid the fine for it but now all three are chasing me here through IDR and judge&priestley. I responded to J&P as they are solicitors. I wrote to them using a template from on line and received a letter stating they are instructed on behalf of emirates nbd and the balance is being pursued under the law of uae and is not covered by cca 1974. the bank is pursing the matter in the jurisdiction of their choice (uk) . they have placed the file on hold till they get the contract copy and statements to prove the clients claim. I want to settle this but not sure should I continue with them or write to the bank for settlement figure . I am scared if the bank has done a case and they will take the money and not give me clearance.. anyone had any experience or advice please much appreciated.the other banks are still chasing through IDR