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Hi folks, 

 

I lived in Dubai in 2011/2012 and lost my job. I had an Emirates NBD credit card and loan. Usual story really, I couldn't pay them didn't want to face jail so came home. I've not been doing very well since and don't have any assets or money.

 

I got a few chase emails from a UAE based debt collector. I (stupidly) replied to the first one asking for copies of the loan agreement. I wanted to check the Ts & Cs to see if they had a clause that allowed them to recover debt internationally, which the agreement says they can.

 

I have since ignored their emails but only today recieved an email from a UK company called IDRWW. I will paste the email below. I have read all the posts here regarding these guys and I wanted to document my progress here from now on. Any advice would be greatly appreciated.

 

DD

 

Dear XXX,

Emirates NBD PJSC, Unique Identification Number XXXXX

We have been instructed by Emirates NBD PJSC in the Middle East to deal with a number of liabilities owed by individuals resident here in the UK.  All of our work in this respect is regulated by the Financial Conduct Authority in the UK (under FCA licence number 737367).

A liability in your name features on a portfolio which we have been instructed to manage.  We have been provided with this email address for you, so our intention is for all communications to be directed to this email address.  That said, we know and are sensitive to the fact that debt is a serious and very worrying issue for many people - so we do not want to increase that burden by communicating with you through inconvenient channels.

Accordingly, if you do not want to be contacted via this email address, please let us have an alternative means of communication, within the next 7 days; either a telephone number, a residential address or an alternative email address.

If you do not take up this opportunity to direct us down a particular communication path (or paths) then we will assume that the continued use of this email address for communication is acceptable to you going forward.

Please telephone us on 01494 911099 within the next 7 days.  Our operators are here to help you Monday to Friday between 9am and 5.30pm.  Please quote the above Unique Identification Number when you call.

Please note that there is free debt advice available for anybody in the UK who needs it.  This resource is available from the following organisations, amongst others:  www.citizensadvice.org.uk  and www.moneyadviceservice.org.uk. 

We look forward to hearing from you.

Yours faithfully


IDR

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Hi and Welcome to CAG

 

You have not read the following one...

 

 

 

Regards

 

Andy

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

 

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Thanks for the prompt reply Andy. Yes, I read that thread this morning. You've been an amazing help on there.

 

My case is slightly different as the UK firm doesn't (yet) have a residential address to contact me through. Hence their attempt to have me send it. I believe Hornsey had been sent physical letters at the time of his initial post here.

 

If they only have an email address, surely they cannot send official documents? Are you aware of whether these people as able to gain my address from banks etc?

 

I've had a few tough years (I won't bore you with detail) so I'm unable to pay this debt. 

 

I'm not (as far as I know) on the electoral register, nor on any utilities companies. Only my bank knows my address. I'm concerned they might give the information out.

 

Thanks again for your response. 

DD

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I see.....well block their emails...or create a new one and dump the one they have......no the Banks cant divulge your personal data

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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I assume you have had previous address in the UK and was you then on the electoral register ?

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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Hi guys, thanks again for the response. It's so encouraging that there is help out there!

 

I just called the electoral register people and they confirmed I am NOT on the register for my current or previous address (I didn't tell them either was my current, I claimed they were both previous - just incase). 

 

I will block the emails from IDRWW and hope they don't find this address through a credit file. If they send me a letter, I'll let you guys know.

 

Thanks again. You're good folk. 

 

DD

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Just a quick update. 

 

My bank actually holds my previous address (my mother's address - she would never give my details out) so am I safe in assuming that my current address will not be available to the credit score people either and therefore is unattainable to the debt collectors?

 

I realise I won't be able to get a mortgage etc until the statute barred limit of 12 years (UAE) is reached, but I'm happy laying low and off the radar until then if necessary. 

 

DD

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get a mortgage where?

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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uh?

cant effect that.

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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yes but these muppets cannot stop you getting one

no need to hide

there is bugger and all they can do to you.

no need to hide and suffer

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Thanks for the reassurance!

 

I'm just worried that if they find out my address then I'll be subject to door visits, letters and harassment. I can deal with all that but my fiancé suffers from anxiety as it stands so I'm not sure how it would affect her if the debt collection agencies started their fear campaigns to our home. 

 

I should have thought twice before getting the loan. Stupid really, but here we are. 

 

DD

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doorstepper dca's are powerless and are not bailiffs.

never heard of one for this lot anyway

but they do use every other illegal practice

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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 I have had many and told them they have no rights and only when they can prove the debt has gone through the courts legally in the UAE and that the debt has been purchased by them here (which allows you UK laws) to not contact me.

 

Also why do they keep referring to these debt collection agencies when none of them can help us as it’s an area they have no idea.

 

Make sure you mention that also ! 

 

 

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Contact them and do what ?

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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pers I wouldn't ever kick their pram wheels.

there really is nothing they can do to you.

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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 they cnat enforce so ignore them. Block their email or better still change your email, address so they cnat use multiple addys to bother you. They dont own the debt so they cant actually do anything

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They want you to communicate ....dont fall for it.

 

Andy

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

 

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

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I will not communicate with them. I don't see the point really. I have blocked them and will ignore them. If they manage to find my address, I'll let you guys know and see what you think.

 

Thanks so much for the help. 

 

DD

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