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    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
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rgaine

Dubai Debt through UK Courts

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Having been away from Dubai for 3 years I am well aware of the Debt I owe and make every effort with the banks to pay back what I can monthly to ensure over time it is paid back.

 

I have all the contacts like they have my contacts and I have not run away from my Debt like some people do.

 

Now I am getting very angry and I will take action against these collection agents with the tactics they use and the stories I have read in how they treat people.

 

It is against the federal collection law for the tactics they use and they are causing a large problem for the banks.

 

Bilkish being the worse, Tahseel, TrustDC I am sure there are more but one word is DISGRACEFUL.

 

They have called and emailed every work place that I have been at even though they have my details trying to cause problems which actually makes me laugh because they are putting themselves in grave danger and then calling friends and family to further put themselves in danger of going against the law.

 

I refuse to pay anything now until these collection agencies and there agents are brought to justice and that there methods are reviewed and sorted.

 

Let this be a message to you are I am not afraid and never will be. I am guessing half of you are in debt in Dubai and many of you working there are from India, Phillipines and Pakistan which further makes me laugh

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of you working there are from India, Phillipines and Pakistan which further makes me laugh

 

 

 

 

Not sure you should include this bit.

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Let this be a message to you are I am not afraid and never will be. I am guessing half of you are in debt in Dubai and many of you working there are from India, Phillipines and Pakistan which further makes me laugh;

 

 

Meaning What????????????


:mad2::-x:jaw::sad:

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You shouldn't be surprised really. UAE debt collection is completely unregulated. No data protection laws and they use the police as a collection tool. I know someone that was arrested for paying her broadband bill a few days late.


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i have never heard anything about the UAE can send your debt to the UK and then you can be tried for it here. In the UK it is not a criminal offence when in debt you simply managed your payments and work out a plan.

 

In Dubai 1 day late and jail. Bilkish, Tahseel to name a few are monsters treating people like dogs around the world and every forum I go on to I read bad stories.

 

I am standing up to them every step of the way and they have already breache dmy data protection so many times. They do not have an answer for me at all just asking for money ( which they are getting) but I love there tactics they are amazing !!! Scare people. I emailed the banks again and told them the work that these people do. Not sure the banks care but I do and the more the harass people and use these methods then the more they dig themselves a hole.

 

When I mention Indian, filipines I have a lot of friends in those countries from my travels and what I mean to say is that the agents in the agencies are form those countries as you know in Dubai yet they are treating there fellow country men in such a horrendous way this is not allowed.

 

For as long as they treat people like dogs they will ruin there reputation

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up date new info - guy from uk just emailed me saying that a solicitor from uk have sent him a letter saying he must pay for debt !! this is rubbish I didn't know there was anything from UAE to UK

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rgaine I have started your own thread in the overseas debt forum....

 

Regards

 

Andy


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up date new info - guy from uk just emailed me saying that a solicitor from uk have sent him a letter saying he must pay for debt !! this is rubbish I didn't know there was anything from UAE to UK

 

Hello there.

 

There is no reciprocal agreement between the UK and the UAE for the enforcement of debts between the two contries. The only time where there could be an issue is if the contract was for services in the UK. This doesn't sound likely.

 

In short if a solicitor is trying to chase you there isn't much else that they'll be able to do apart from badger you with letters.

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rgaine I have started your own thread in the overseas debt forum....

 

Regards

 

Andy

 

 

thanks andy how do I see that

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Your already here just continue to update your thread.:wink:


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Many loan agreements have a clause allowing the bank to bring proceedings in the jurisdiction of its choice, or in the jurisdiction where the debtor is living. If this is the case for your friend's UAE loan agreement, he may find that the English courts will accept jurisdiction over the case even though the loan contract will be governed by UAE law ... and hence no need for the creditor to rely on a reciprocal enforcement treaty since the creditor would be enforcing a UK judgment not a UAE judgment.

 

If this is the case, it may be better to inform the creditor of financial difficulties rather than just ignoring letters.

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I have been dealing with these barbaric and unprofessional agents for 3 years from Bilkish and Tahseel with Tahseel being the worst.

 

They are disgusting. I cannot believe how they can still operate after breaking the law so many times. I have been in touch with the banks through email since I left Dubai and trying my best to pay my money back but the agents are crazy

 

I fight with them every month and I will win because they are wrong and they break the law. Do not give up and do not let them treat you like a dog they cannot.

 

Can you believe they even try to contact me in my work by phone and by email and by fax !!!! Ha ha makes me laugh they are trying to scare or embarrass me yet they still have my email here to stay in touch.

 

Tahseel are the worst with Bilkish in second and even one agent told me I will die in jail !!!

 

Here in the UK the law is different so I do not worry but I will not be treated by these agents like this and I will fight everyday because I know how to and every time they break the law my debt goes away

 

We are human just like the great sheik Mohd in Dubai so do not let the agents call or hound you in anyway. FIGHT BACK !!!!!

 

Tahseel and Bilkish you are a disgrace to the banking world.

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Hi guys.

have been working with a few people expats in the cases same as mine I owe £300k aed plus from 2009.

I emailed this company in the uk asking how they can represent these banks / agents after there barbaric acts in the way they try to recover money.

I also asked them under what jurisdiction they operate and if they go to the courts that they have to be aware what is happening in Dubai first because they have no idea.

 

I pay back what I can when I can like any normal debt in the western world and I am in contact with the banks by email.

But you know what these agents from Bilkish and Tahseel are just crazy.

 

I fight with them always and I will always keep fighting because there methods and tactics are wrong and go against every law possible not mentioning the consumer credit act. If any uk company came after me or tried to summon me I would go all the way and for sure I would win and I would make sure I win because I have all the emails and evidence that these agents have treated not just me but others like dogs and my family also it's unbelievable !!!!

 

Can you believe they call my work and email my work to try and scare me been though they have my contact details and also called my family and partner !!!!

I mean come on guys. This goes against every act in the law possible.

 

I have my instructions and as along as these people act like this they do not receive a penny.

If they want to sell the debt in the uk then so be it because it's better for payments anyway but let any company come after me and I will make sure they know about these people in Dubai.

 

Be careful solicitors in the UK know what you are dealing with first.

Human rights are being breached and it is not right

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You should raise a question with your local UK member of parliament. Give them details of what has happened and ask if they would raise the matter with the relevant minster of UK government. I have done this in the past in respect of a totally different matter and received a response from a government minister. But you will find out who you need to make a complaint to and at least have a way of registering the issue.


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Great stuff thanks. I have got citizens advice involved too. This company is called coyle white Devine solicitor in the UK who seem to be working with Dubai banks. I emails them to see how and where they can do that. It's wrong after the way they treat you in dubai

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I would be interested to know more. I found out from a friend about coyle white and I emailed them as I want them to be aware that the banks and collection agencies in Dubai break every law possible and breach human rights. I have been fighting with them for 3 years. I owe money which even though I pay back what I can and I am in contact with the banks these agents still call me my family my work it's become a joke now !!! Every time they contact me then I take 500 aed off my debt. I hope one day it comes to the UK because I will go all the way to clear my debt because go how these agents and banks have been its a disgrace. The threats are bad I had one guy said I would die in jail if I didn't pay. BILKISH AND TAHSEEL the worst.

Message to any solicitors in the UK please do your research before you buy a debt

 

Keep me updated

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If a warrant is issued for none payment of a debt then a creditor can have the debt enforced in any country in the world as long it is a signed up member state of the Hague Convention. But the reality is very different because the court service in the member state usually needs to be satisfied that initial proceedings where lawful and reasonable by its own standards.

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If a warrant is issued for none payment of a debt then a creditor can have the debt enforced in any country in the world as long it is a signed up member state of the Hague Convention. But the reality is very different because the court service in the member state usually needs to be satisfied that initial proceedings where lawful and reasonable by its own standards. "rgaine" you do not say what the 300,000 is, if its pounds then I would suggest thinking twice before thinking you can just forget this debt

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Rodney it's in DHS and I pay what I can but trust me if they come to the UK I will clear my debt and not pay a thing under human rights. Can you believe I found out an agent from Dubai threatened a girl who owes money with rape and her mum and sister with rape if they did not pay 20,000 aed !!!!! Sorry my friend there is a way and the right way is not this. Laws are bad and the banks are wrong. Yes people owe money but in time not to be threatened with death

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I would be interested to know more. I have been fighting with these agents for years. Let me know how much you owe. As far as I know nothing can be done here in the uk as with debt you can arrange to pay monthly rather than go to jail or be threatened with death or rape as these agents Tahseel and Bilkish do all the time. Let me know more info

Edited by ims21

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It has been known for some debt companies to issue paperwork which is designed to deceive people into believing that a court claim has been issued. A court would not send you any copy of a treaty, so I think this sounds a bit iffy. If any court is mentioned, give them a call to find out if they have anything on record.

 

Phone National Debtline to see what they know of Dubai debt enforcement in the UK. They should be aware of this, as I expect that there are many people in the UK with debts left behind in Dubai.

 

I searched online and could see no mention of any UK court case, where there has not already been a court case in Dubai.


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There is nothing. Believe me if a case came against me here then I would go all the way to human rights courts after the way these agents and banks treat people it's not right. Any solicitor in the UK that represent a bank in the UAE must do very carefully because in the UAE they treat people very bad and debt is a criminal offense not like in any western world where you get help to manage your debt and pay off what you can.

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Ah I see, they only help sue debtors and not help them. Perhaps make an enquiry with the law society to see if they have a list of Solicitors who can help.

 

Interested to see how this goes. I have been fighting with these stupid collection agents in Dubai Bilkish being the worst. The collection tactics break all laws possible. All I want to do is pay back my debt that's it. They are too agrresssive so I give them back there medicine. I hope it comes to the UK cause I will fight all the way in the courts and clear my debt and my name after the way they have treated me. You know one lady told me the bank called her and he threatened to rape her sister and mother if she didn't pay !!

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