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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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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.

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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


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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

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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uh?

cant effect that.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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My credit rating will be affected without electoral registration. 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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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Thanks for the reply!

 

So you think I should contact these people then? Might it be better to just ignore rather than engage them?

 

DD

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pers I wouldn't ever kick their pram wheels.

there really is nothing they can do to you.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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

 

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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