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  1. Hi Left UAE 2013 with a loan (lost job was advised to leave country by company, I’m back in the UK) CWD made contact in 2014, and 2016, I denied the debt and evidence that I was in contact with the bank. then nothing. Then last week IDRWW text me (?) and letter saying they got my details from the banks portfolio and can I make contact. Do I ignore? I have evidence of my contact with the bank - there is/was an ongoing complaint and they have not tried to resolve it either way. I’m anxious about this now Any actual outcomes? I searched London gazette and only 1 person from CWD was made bankrupt that I can find and that was a while back. I just bought a house less than 1 year ago and have no equity (help to buy) Reassurance or actual outcomes are needed if anyone has any please? Ta
  2. Hi all I'm new here have been reading a lot of threads because I need to deal with some old debts which I'm being chased for by DCAS. I have one problem which I need to address urgently and hoping to get some advice here . I had a credit card and loan in Dubai . Usual story, lost my job and had to leave. I only had agency work when I returned to UK so couldn't offer any repayment. I was initially chased by debt collectors in Dubai who didn't use very nice tactics to say the least . I eventually had to unplug my landline. I have now been contacted by CWD who have sent me statements and signed agreements and have also sent me an Information sheet and reply form . It says you have received this because a company intends to take you to court. I have read through all the threads relating to CWD and cannot find anything that relates to my problem. The advice I'm after is is this a pre court letter and do I need to fill it in and return. . Grateful for any advice
  3. Hi All, Some great threads on here and thanks for sharing your thoughts. I have also also received a PAP from Moriarty regarding ADCB, and after filtering though hundreds on replies on here (Moriarty, CWD, IDRWW etc), i have not come across one example of UAE debt being enforced the UK. Some members have indicated that they have been enforced. However, when asked to share details they go silent or avert the question. Any thoughts on this?
  4. Hi Guys Just joined the forum as had been looking for some advice regarding this issue. My partner is being pursued for a debt in Dubai in 2007. Until last week she had no contact with the bank since 2009, this being the year she left Dubai. We have just received a statutory demand from the infamous CWD which on advice we are going to set aside and dispute the debt they are saying is owed (over 180,000 pounds) from a c card debt of 18k. From what ive read many of you are in the same boat and we would just like a bit of advice whilst we share our experience to hopefully help some of you at the same time. Will keep you posted on how things go. My partner left Dubai in 2009 with around 18k of debt and until last friday had no contact with the bank in question. A guy came to the door and served a statutory demand on her and reading it we have 21 days to set it aside. I have read various threads on this forum and others and it seems there are hundreds of other people being chased by the same company (CWD). On doing a little research i have a few questions 1) as there is no reciprocal agreement between the UK and UAE can this be lawfully pursued 2) The timescale, can this still be pursued after 9 years ? 3) Will the setting aside of this demand require a solicitor to action this ? your help and advice will be truly appreciated thanks in advance
  5. Left Dubai in summer 2016 having been made redundant, took wife and 3 month son to place of safety (not UK) fully intended to return to UAE and find new employment, as i had insurance against the loan. I never intended not to pay the loan. However. Bank immediately froze accounts, refused to process Involuntary loss of income insurance i had taken through them and demanded full settlement. This is an unsecured loan not a CC debt. They stated i had to be in the country to process the insurance? i asked them to send me the T&C which state this. They refused. I left enough cash in the account to meet payments for 8 months regardless, had they processed insurance a further 6. Usual story here, i continued to communicate with the bank directly by telephone and by email, they wouldn't accept any scenarios or payment plans other than full. I secured a new job offer in UAE and stated i could return and continue to make payments if they would confirm no court action had been taken They refused to do simply stating case filed. As i result i could not risk returning and being arrested, this would lose me the job and what then? no good for me or them. I returned with my family to UK in Spring 2017 having got a job, that job ended in June 2018 and still not working. (my wife is keeping us afloat) - I continued to email the bank asking if i could come to payment agreements, again they refused anything other than a full settlement! Crazy. i received a number of threatening calls to my work place from debt collectors in Dubai (coincided but i cannot prove with losing job) I started to then get emails and letters from IDRW including threats. I did not respond I have now had the same from CWD ... first emails and a letter, and now attaching a SD to an email. (i have not had this by post or served in anyway) They include the statements from the bank. They included a terms and conditions relating to credit cards (i had 2 but i settled these)they did not include and t & c for the loan as i can see. this was this week i have not responded. I own a property with less than 5k equity in it, which would be wiped out under the terms of the mortgage for a further 4 years yet. I have CC debt in UK which we are managing. Im not working through ill health now, but hope to be back fit some time soon From what i have read i should continue to ignore unless they serve the SD or take other court action? obviously a little stressed. Thoughts?
  6. Hi My son worked in Dubai until losing his job in January this year. Like many others here he left the country rapidly due to bounced security cheque leaving behind a debt ( years rental loan) of approx. £11k His Dubai bank account had money left in it and direct debit continued to service loan until April He hoped he would get a job back here in Uk and continue paying it off Unfortunately soon after securing a job here he underwent life saving surgery and was on sick pay for 8 weeks His contract was terminated and obviously he could no longer afford payments during this time CDW contacted him wanting full settlement of now £ 19k We sent them income expenditure which showed a negative balance ( he has no assets) but they have now sent a statutory demand for full amount If he files for bankruptcy ( I'm assuming as he has no assets they will not bankrupt him ) will the Dubai debt be included in the UK bankruptcy I would appreciate any advice you can give. Thankyou in anticipation Nicky ( worried mum)
  7. I returned from Dubai in early March having left behind 30 000 AED debt on an FB credit card. 12/07/16 I received a letter from CWD advising me:- "We have been instructed by our client to engage with you and to make arrangements for the repayment of your credit card debt to our client." The debt is apparently now 47 000 AED. I have to respond before 2nd August otherwise "a fixed legal charge of £1500 will be added to your account" Also "Once proceedings are commenced legal costs are charged on a time spent basis. I left Dubai penniless and have overdrafts and credit cards in the UK, and have no ready cash whatsoever. I am however a homeowner, which has a degree of equity. Are CWD able to force me to sell my home to satisfy this debt? Any help would be greatly appreciated. Thanks in advance.
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