Ignore that as I missed the deferral date before replying. Even so, I doubt it will be as clear cut a case of statute barring as it appears to be. As a deferral form was submitted, the cause of action didn't arise until that deferral period ended in April 2014, no action could be taken to recover the debt and no default notice could be issued. It would be unfair on the creditor to allow the limitation period to run for over a year without being able to take any action or issue a default notice. We shall see I guess.
Apologies as I know this topic has been done to death but I find myself in a situation I can't seem to find another example of?
Around 12 months ago, Moriarty Law contacted me about a supposed debt relating to my ADCB current account in Dubai. Nearly all current accounts come with an attached credit card (turns out they don't but one of the pages in the initial application that you're asked to sign is actually for opening a CC.... I know, should have been more studious with reading).
Thanks to this forum, last year I downloaded the "Prove It" letter and sent to Moriarty. After hearing nothing at all for 11 and a half of those months, yesterday a big parcel arrived containing the pages from the original account opening app with my signature all over it, a copy of my passport and residency visa from that time and bank statements for the whole 5 years I had the current account with ADCB.
Looking at the amount owed, it translated to around GBP5,000 at such time as ADCB passed it to ML and now they have inflated it to GBP10,000 using a combination of mystery charges and a made-up exchange rate between AED/GBP.
I'm wondering what my next move should be as others seeking help from this forum usually see a Prove It letter to be enough to shoo the DCA away. Sadly in my case, there's 3kg of paper on my desk that very much proves it.
Also I'm a director of a UK Ltd company now so would like to avoid anything that may sully that.
Any advice gratefully received, thanks very much!