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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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ADBC/Moriarty PAPLOC - UAE Credit Card debt


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Good afternoon.

 

I am a very cautious person, In my mind, IDRWW are reading all of these posts and anything and everything can be used against me, Therefore I'm going to be as generic as possible.

 

Left Dubai in the last 7 years with Debts with Emirates NBD, relatively small between 20 and 70k AED.

The reasons for leaving don't really matter, everyone's got a story.

 

a year after coming back to the UK and tahseel Start their interrogation, calling work, Friends, Family, Facebook messages, old jobs etc etc.

Very intimidating and hard time.

Should be made illegal, but hey, Family stuck with the "go away" procedure and didn't hear anything else for quite some time.

 

couple of years later CDW sends me letters, stating legal action will incure if no communication within 14 days.

I seek legal advise and send a letter denying the debt and asking for proof of juristriction in the UK, also stating ( rightly so or not? ) that I have no assests and essentially no money.

 

I dont hear anythign back.

 

This year I've received a letter from IDRWW stating they are working on behalf of Emirates NBD ( Are IDRWW a trading name? ), they have the amounts of debt I now owe ( this has somehow raised to over 10 times as much!?) and that I have 14 days to get in touch with them before legal proceedings happen.

 

Now my initial thoughts is, considering what the general consensus on this website have taught me, just plain ignore them. However...

 

I received this letter on THE DAY, that I got my exchange of contracts through for my new home I've just purchased with my wife.

Help to buy scheme, we have been saving for years.

 

Questions: Can IDRWW possibly know if I have recently aquired this asset.

Is there anyway at all they can force me to sell my new home.

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short answer is NO!!

 

sorry to hear you had all the usual rubbish from them to your world and every person they could think of.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I actually no longer have the letter, The amount of pressure was putting me in a state of depression and it was very much a case of out of sight, out of mind. Essentially it said we are acting on behalf of Emirates NBD, that they have been asked to deal with the debt in the UK, the amount that I owe, and that I have 14 days to "get in touch" before "Legal proceedings" , The second page was a page full of Debt helplines.

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Its the one whereby they claim 4000% int has been added which suddenly gives you a miraculous massive discount when you contact them and ofcourse people take it..pay it..then thats all the dca staff ho!idays paid for already

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Tilly Do see my post, from maybe a month back. they asked me (giving the exact date). I asked in this forum "how" but no one seem to have a clear idea. They must have some sort of checking process.

Even I am out of work they just keep chasing and chasing.

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they will have access to all the info the bank in question holds as they are their 'client'.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well, let's see what happens, I haven't received anything of any actual substance yet, So I'll just forget about it until I receive something, at which point I will post back here and ask for advice. Dx has put my mind to rest, even though I'm fairly sure you're, not a solicitor DX, for some reason your blunt hatred for UAE banks has put me in a state of confidence.

 

Tilly

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don't need to be and they only fleece you anyway...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

Hey guys, 

 

So, I keep getting a letter from IDR every month or so.  nothing serious yet, keeps saying if you dont do something in 14 days yadda yadda. 

 

However, My first time seeing something from Moriarty Law, and they have just come right out swinging. I attach Pictures of the forms that my hubby made.  Ive only attached the first two, and the first one of the actual form. 

 

Advise would be appreciated please. 

 

thank you

 

PAPLOC.pdf

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  • unclebulgaria67 changed the title to PaP from Moriarty law -UAE debt

follow post 5

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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there isn't one use the default...

 

the original creditor has yet to provide any or all of the required documentation.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to ADBC/Moriarty PAPLOC - UAE Credit Card debt
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