CLI dca chasing Kuwait debt

[unclebulgaria67]

Cli are not really debt collectors. They simply provide letter templates.

 

If the Kuwaiti creditor wants to take you to court in the UK to recover the debt, then they would have to organise this themselves using a UK Solicitors. If your Kuwaiti contract allows courts outside of Kuwait to consider your debt, then yes it is possible a UK court could become involved. Please do not assume that a UK Solicitor writing to you means that a UK court is possible. They may simply be trying to collect the debt by worrying you, without any intention of going to court.

 

If you receive any letters from a UK Solicitors, come back for advice. At the moment, you should not reply.

[unclebulgaria67]

Last time i checked CLI are not registered to deal with debts. They simply provide template letters and it would be up to the Kuwaiti creditor to appoint someone authorised in the UK.

 

At the moment, they can't send anyone to your address to even try to discuss the debt.

 

They can't sell the debt to a UK debt buyer and try to enforce here as the debt is under Kuwaiti law. The Kuwaiti creditor would have to be able to enforce in a UK court first and if they were successful, then it becomes a UK matter.

 

Ignore this for the moment. It is just a fishing letter hoping for a response.

[unclebulgaria67]

Ignore. Read previous comments.

CLI cannot do anything.

 

If the Kuwaiti creditor wants to take the matter forward, they will instruct UK Solicitors to write to you.

 

If you receive a letter from Solicitors come back for more advice.

[unclebulgaria67]

Another template letter which anyone can download and send out. Doubt they have checked any records other than those available to everyone.

 

As for advising their client, CLI are posting these letters on behalf of the debt owner presumably and only informing them of any replies. So no replies, mean nothing to report.

[unclebulgaria67]

Hi

Was wondering if you have heard anymore did they come round any more letters or court proceedings. I recieved signed for letter today but never signed for it but managed to read it it said they are coming round to retrieve the debt or grt my finances.

 

They are not registered with the FCA to carry out debt collection in the UK. All they offer are template letters to creditors.

 

With a foreign debt, it has to be subject to a UK court application to enable it to be enforced in the UK. If the foreign creditor wants to pursue they will employ UK Solicitors.

[unclebulgaria67]

Just to show you, this is their FCA status.

 

http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew?accId=627201

 

Lapsed interim registration. They just send template chasing letters out. If the foreign creditor wants to enforce the debt in the UK, they can apply to UK courts. UK Courts are quite helpful to foreign creditors, so yes it is possible they could try. But you would recieve a claim from the court, which you could defend and only if you lost could the debt be enforced. Even then, you could apply through the court to make affordable payments to the creditor.

[unclebulgaria67]

Thank you for your reply very helpful. So worse case its goes to court if i do a payment plan is it still foreign debt or does it become uk and will it effect things like re mortgage etc.

 

If this foreign debt is turned into a UK court judgement, then it becomes a UK debt and recorded as such, so yes would affect UK credit applications.

 

You would have a CCJ recorded and could apply to the court for affordable payments to be made.

 

If you read up about foreign debt enforcement through UK courts, if the claims are defended, then there is a good chance of avoiding a CCJ. You would request original copies of all financial agreements, statements of account, default notices and other documents pertinent to the loan to be supplied, with copies of the documents in English. There is a process to be gone through, that might well take months. I can remember reading that UK Solicitors often just give up, as they don't want to incur costs, unless the creditor is paying.

[unclebulgaria67]

CLI have no rights to be sending letters as they have.

 

Yes you could complain to them and organisations they are members of. They are members of the Credit Services Association, who will look into complaints.

[unclebulgaria67]

Jo, you are going through an anxiety attack following the letter.

 

They have no rights to send anyone to your door to discuss debts. You can see they have no FCA authorisation for such activity. As with anyone coming to your frontdoor, you can totally ignore them. And don't fall for the postcard sent through the post, which says " we tried to visit you today and no one was at home, please phone xxxxxxxx". All the communications are just to ramp up the pressure to try to get you to crack.

 

You could report the matter directly to the FCA sending them a copy of the CLI letter. The FCA don't normally deal with individual complaints, but if CLI are conducting activities they should not be, then the FCA might be interested.

[unclebulgaria67]

Debt collectors using a Solicitors name to fish for money !

 

If they were acting on behalf of the creditors, then you would not receive such a fishing letter.

 

You would receive a very different letter, if there was any intention of using the courts.