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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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IDRWW Dubai debt


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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 OTHER

 

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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 OTHER

 

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 OTHER

 

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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..

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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uh?

cant effect that.

 

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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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..

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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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..

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 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 OTHER

 

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

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

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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..

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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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 OTHER

 

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

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

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