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    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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CWD PAP LOC - UAE Debt Mortgage


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Hi there - I have been told by ADCB (a UAE based bank) that a UK legal firm (suspect it will be CWD) will be in contact with regards to a UAE  mortgage that I have not been able to pay.

 

Do you happen to know of a good solicitor that is well versed in these cases that could guide me through? cheers

  •  
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sorry we are not allowed too

plus you don't need one.

 

its all hot air.

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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heres why

 

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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Post moved to your own thread in the 

Please continue to post here to your own thread.

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...

aren't members states of the EU. 

don't know where UEA was in there

 

dont waste you time people 27 pages of nothing relevent

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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Sorry i think the key point here is the common law regime, which i read it as if it is judged under common law, then its recognised / enforced. 

 

No intention to waste anyone’s time here. I am trying to seek help and be helpful to others. 

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Hzeee 

 

Have you got a judgement against you in UAE ?

 

If not it's a very grey area and up to a judge if they will hear a case here in the UK. 

 

You will see all the answers on my thread. No one can say for sure what the outcome will be.

 

The more I read the more confused I get but you have to ask the question why if it was so easy don't CWD always take their threats of court claims further ?

 

No one comes back with any updates. Only a few that have said they've been made bankrupt but no actual details of what happened in court! 

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read the threads here already

theres nothing they  can do to you.

we've already investigated every avenue

 

there is no CML with UAE

nowhere will you find any ref to anyone ever already having a uae judgement  in existence....

 

 

 

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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@Hornsey62Thanks, I agree, it sounds odd, but in the same context of results updates, we have not heard many who have told us of their positive outcomes. 

 

I wonder if there is a centralized register of judgements where we can see how successful uae banks / cwd / others have been. 

 

I know they’ve filed a case in uae courts to enforce on my property (which I know they can’t do due to a mess up on their part) but since then I have not heard back and the bank has re-engaged, with the usual threats that if you dont pay we’ll sue you. 

 

The devil is in the detail i think. If they have filed a lawsuit to enforce and take over property that would not prevent them from suing for default under mortgage agreement. 

 

Appreciate the thoughts. 

 

Thanks dx100 - appreciate the feedback.

Why do you think these banks dont get uae judgement in the first instance? 

 

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Perhaps Banks in UAE can only easily obtain local judgements, where the debtor is detained, so they have opportunity to pay the debt or come to a legal settlement.

 

Once debtor in a western country, they cannot gain a court judgement, as there is no UAE court judgement. Bankruptcy would be expensive, difficult if challenged and in most cases unlikely to gain their money back.

 

Cheaper to use a UK Solicitors as Debt Collectors, where it is a admin process mostly to hassle money from debtors and they get a share from the money received.

We could do with some help from you.

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Transfer of land or real property can only be done by deed in this country, as someone just said, "by the mortgage". LOPA 1925

 

Hope that helps.

Peter

Edited by Dodgeball

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BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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think about it, why do they use companies like CWD to chase people up with veiled threats rather than just going route one?

answer, they know they cant.

 

Law is not extraterritorial withoput treaties and the UAE fails at every hurdle to satisfy any EU legal requirement for debt enforcement so they wont be given one.

 

Half the time the UAE banks dont even satisfy UAE law on debt enforcement even though it is very simple for them to obtain a local judgement.

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Thanks, that is a good point actually.

 

In the same light, we dont manage to see lots of judgements from uae banks in gazette.

 

Having said that, in some of the earlier threads, some users do say they got made bankrupt. I

 

t would be so much simpler if we have someone’s full journey until either case dropped (hopefully) or they are made to pay / bankrupt.

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Hzeee 

 

How are the bank engaging with you ? Is it by phone, email or post ?

 

What approach are they using? Are you sure it's the bank you're talking to and not the debt collectors  as they do lead you to believe  they are actually bank employees when they are an outsourced  company.

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Being made Bankrupt and issuing a court claim for judgment are two very different things with very different processes 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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20 minutes ago, Hornsey62 said:

Hzeee 

 

How are the bank engaging with you ? Is it by phone, email or post ?

 

What approach are they using? Are you sure it's the bank you're talking to and not the debt collectors  as they do lead you to believe  they are actually bank employees when they are an outsourced  company.

 

Hi  - Directly mostly via email correspondence, so can see their email addresses and they call me from their local numbers +971. They may have figured out all of that and put in a professional bank branded front, but that is unlike them. 

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block all email addresses and bounced them back

you do not ever pay attention to any email/phonecall/text.

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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Share on other sites
  • 3 months later...

I have been served a letter of claim from a UK law firm pursuant to the provision of PAP for a mortgage i have in Abu Dhabi, UAE.

 

they are requesting that I pay the whole mortgage in one go, which is impossible to make.

 

i have been in discussions with the uae bank offering them to hand over the property and agree an amount to settle. They are refusing to take the mortgaged property and are asking for the full amount outstanding.

 

The mortgage agreement governing law and jurisdiction is :” agreement shall be governed by the laws of the UAE and the civil courts of dubai will have jurisdiction over all disputes under this agreement”

 

They have failed in their court case in the uae due a technicality. Do you think they can sue me in the UK or is it just a scare tactic to force me to pay?

 

thx 

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we can guess who this is then..

drumroll..

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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Share on other sites

UK court should not deal with this,, if the UAE finance agreement is only subject to jurisdiction of the UAE.

 

It might be that they have issued the letter, hoping to fool you into contacting them to make payment.

 

You can either ignore and wait to see if they issue a UK court claim.  Or write to them stating that they should refer this back to their client as it appears that their client has not provided them with all of the information, including issues their client has had in the UAE. Leave it up to them to find out what the issues were.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • dx100uk changed the title to CWD PAP LOC - UAE Debt Mortgage

old and new threads merged please keep to one thread

 

 

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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