Hi, I have revieved the following from our friends MoriarityLaw (See 1st page) . They now have my correct address so no backdoor stuff. RE: Our Client: Abu Dhabi Commercial Bank (PJSC) (“ADCB”) – Credit Card Number xxxxzxxxx Dated 22/06/2011 We have been instructed on behalf of ADCB to recover from you the sum of 45,461.14 United Arab Emirates Dirham (“Debt”) being the sum owed by you to ADCB and which equates to a sum of £10,159.43 and arriving at the sum of £10,159.43 we have applied a currency conversion rate of 1 United Arab Emirates Dirham (“AED”) equals 0.223475 Pounds Sterling and we have applied that rate from XE.Com as at our date of appointment 30/07/2019 and the reason we have applied that exchange rate is that you applied for and were granted a credit card with a limit of 30,000.00 AED (“Credit Card”). Please note that we are writing to you by way of Letter of Claim pursuant to the provisions of The Pre-Action Protocol For Debt Claims (“PAP”). Without prejudice to ADCB’s right to issue a court claim against you, in accordance with the terms and conditions applicable to your Credit Card Agreement, ADCB wishes to resolve this matter amicably. BACKGROUND In or about June 2011 you applied for the Credit Card and agreed to pay interest on the outstanding balance of the Credit Card and were granted the Credit Card which was issued to you on 22/06/2011. You also agreed to repay the outstanding balance by monthly repayments however, on 05/08/2017 you defaulted on the terms of the Credit Card by failing to pay the outstanding balance. Despite the opportunities that have been afforded to you between 05/08/2017 and the date hereof you have made no attempt to come to an arrangement with ADCB to repay the Debt or provide them with a Financial Statement of your Assets, Liabilities and Income and nor indeed have you made any payments to be set off as against the sum owed. ADCB trusts that you will recognise that the above facts and matters have left them with no alternative other than to instruct this firm to recover the sum owed. NEXT STEPS For the avoidance of doubt we must state that pursuant to the Overriding Objective and the “PAP” ADCB accepts that it is right to give you an opportunity to come to terms of settlement for repayment of the Credit Card prior to serving a Statutory Demand or issuing legal proceedings against you. In order to save costs, and with the ADR obligation in mind, and in the interests of seeking to resolve this matter as expeditiously and cost effectively as possible, we request that you set out in full your response to this letter and that should include all relevant evidence, on which you rely and in that regard ADCB require that you let us have such response within the course of the next 30 days and such response should also include a current Financial Statement of your Assets Liabilities and Incomes. Enclosed is a Financial Information Form, Information Sheet and Reply Form and once completed you should send it to the above address or alternatively we are content to receive the same by email at [email protected]. ADCB now hope that you will conclude a settlement of the Debt and in that regard should you not do so nor indeed respond to this letter within the next 30 days then please be aware that we have instructions from ADCB to commence action to recover the Debt. Please be assured that we are extremely conscious of the impact that the current economic climate is having on a number of people and if you are affected by this, please ensure you communicate that to us. Shall I reply or leave it alone. I have not admitted to the debt in either writing or verbally. And as previously indicated I have no assets or substantial income. Awaiting your advice. Ps I can attempt to attach complete file if required.

Thx Dx. Bit of history. Debt is Credit Card debt run up by my ex wife, account was in my name (Stupid me). Bottom line, I'm 68, retired, on a crap pension and guardian of two children both under 15, rented accomadation, no assets to speak of. Therefore I am in no position to offer them any repayment plan, even though the bank have indicated they will drop all interest charges. Not being flippant I could offer 10 pounds per month but then we are looking at 200 plus years to pay it off. I would not except that offer. Could try I guess? Bill

I have written to ADCB informing them of my new address. Do I now just sit and wait or is there anyway I can be proactive ? The twaddle was from so called experts. Thx

I recieved a final demand from Moriartylaw reference a debt with ADCB . I sent them the following email, and received the reply. " I refer to your letter dated 30/03/2023 regarding this debt. Received 08/04/2023 I believe that I do not owe the money that you are claiming. You will be aware that the Financial Conduct Authority (FCA) Consumer Credit sourcebook says: A firm should neither ignore nor disregard a customer’s claim that his debt has been settled and/or is disputed and must stop making demands for payment without providing the customer clear justification and/or evidence as to why the claim is not valid. (7.5.3) A firm must suspend or cease the steps it or its agent takes in the recovery of a customer’s debt where the customer disputes or has settled the debt on valid grounds or what may be considered valid grounds. (7.14.1) If a customer disputes the debt on valid grounds or on what may be considered valid grounds, the firm must re-examine the dispute and provide details of the customer’s debt to the customer in a reasonably timely manner. (7.14.3) If there is a dispute regarding the identity of the borrower or the amount of the debt, it is for the firm (not the customer) to establish that the customer is indeed the correct person/identity in relation to the debt owed or that the amount is correct under the agreement. (7.14.4) A collection firm must provide the customer with information regarding the outcome of its investigations about a debt that the customer disputed or has settled on valid grounds. (7.14.5) If the customer disputes the debt and the firm who seeks to recover the debt is neither the lender nor the owner, the firm is required to: (1) Pass the information given by the customer to the actual lender or the owner; or (2) If the firm was given authority by the lender or the owner to investigate the dispute, the firm is required to notify the lender or owner regarding the outcome of the investigation. (7.14.6) Please either provide evidence that I am liable for this debt or confirm that you will not contact me further regarding the debt. If you continue chasing me without providing evidence that I am liable for this debt this is deceptive and unfair. It also amounts to what is essentially physical and/or psychological harassment. If you do not either provide evidence that I am liable for the debt or confirm that you will not be contacting me further, I will complain to Trading Standards and the FCA. I await your reply. Note: I do not reside at ****. Nor did I receive any correspondence dated 21/08/2019 as indicated. All correspondence, if any, will be via this email address and no other types of correspondence will be entertained. Yours faithfully **** Their reply. " In order for us to discuss this matter via email, we require that you first pass an identification check by providing the following pieces of information: Full name Date of birth First line of your address and post code Confirm telephone number (optional) Please further note that by responding with such information, you are giving your consent for us to communicate with you via this email address and for the information discussed via email to be detailed on your case notes and shared with our client(s) where appropriate. If you do not feel you are able to communicate with us via email, or would rather communicate via telephone conversation, please phone 020 3126 4544 between our openings hours of 9:00 – 17:30, Monday to Thursday, 9:00 to 17:00 on Fridays, or 09:00 – 13:00 Saturdays. Our website is available for the majority of our customers. You can sign up or login at www.moriartylaw.co.uk where you can make payments, set up arrangement, update contact details, chat to us via webchat and view your case via the customer dashboard at any time. The response time for webchat will be quicker than an e-mail. Kind Regards Moriarty Law " My question is, where do I go from here . Im happy to give my name but no other information. With my original email sent, I gave them their reference number which I feel is sufficient. Should I attach their correspondence as proof. Note I no longer live at the address letter was sent to. Seemingly they had written to me in 2019, a letter I did not receive . I have not lived in the UAE since 2016.... returned due to bereavement. Their response appears to be at first glance to obtain more information ! Thx for any assistance.