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Hi all,

 

Hoping for some advice.

Received the attached today - what can they do at this stage?

They attached all statements and agreements.

 

Do I need to act on this or again ignore?

 

Any advice gratefully received.

IMG_0219.jpg

IMG_0220.jpg

IMG_0221.jpg

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one multipage pdf next time please - read upload

 

its not a compliant PAP letter of claim

its a begging letter filled with lots of if's and but's.

 

I think your latter idea is the best.

 

there are 100's of threads here to rad

you'll soon get the idea .

 

dx


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Is that the first letter you have received ?

 

Do you have any UK assets such as property that would be at risk ?

 

Are there any issues with the debt that are unresolved in the UAE ? I.e. Did you enter into any dispute regarding the debt ?


We could do with some help from you.

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That first letter reads exactly like one minicredit would have put out


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Uk doesnt have a bilateral treaty with UAE but the EU does.

Now that is alomist impossible for a UAE client to rely on because of their behaviour and the UAE lender will have had to go through a lot of hops before they could even consider asking a court to consider the matter and that is why they hire bandits like these dca's.

 

now the Uae creditor has to apply for enforcemeht within a year of the original judgement in the UAE unless there is a very good reason for not doing so.

 

so this leads to some questions

- how long since you left the UAE and what court paperwork did you receive at the time or since?

The bank has to get various levels of judgement according to who owns the debt and whats sort of debt it is and that means paperwork under different parts of UAE law.

 

the dca wont have any of this so they rely on just telling you that you owe the money and threaten things like statutory demands without the necessary proof to go further but if you dont respond at that point they can get a default win..

 

their other problem is that your debt still has things being added to it so isnt a judgement that can be considered by a UK court.

It has to be for a fixed sum that was contractually due at the time of the judgement.

 

as an aside various EU countries have legislation that prevents spurious amounts of interest being claimed, whether contractual or not so try an accommodation address in Italy for example and see if CDW fancy their chances there.

Edited by dx100uk
spacing

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Posted (edited)

Hi all,

 

Also very worried.

Today received letter of court action with completed County Court Claim form. 

What do I do next? 

 

Is it time for a solicitor? Or can someone please give me advice 

 

 

 

 

Untitled 2.pdf

Edited by ConcernedExpat09
Change of pic/file

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Hi

 

Hoping someone can help me out here.

Today I received the attached letter and court order?

Do I need legal representation?

Do I need to respond? No dates etc.

 

please advise 

Untitled 2.pdf

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please complete this:

 

 

I have merged your threads and moved random posts elsewhere to here


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Name of the Claimant ? Emirates NBD (PJSC)

 

Date of issue – top right hand corner of the  claim form – this in order to establish the time line you need to adhere to. - 04/03/19 (only received today 28th March 2019)

 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -  4/3/19 + 19 days = 23rd March + 14 days = 7th April 2019

 

^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? Repayment of Outstanding Credit Card and Loan Liabilities

 

What is the total value of the claim? AED 250,000 + £2746.25 in costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No 

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes

 

Did you inform the claimant of your change of address? No as moved back to UK


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?

Credit Card / Loan

 

When did you enter into the original agreement before or after April 2007 ? After April 2007

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claimant's Solicitor - No correspondence from Creditor

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments? Left Country - unable to repay

 

What was the date of your last payment? Unknown - circa  Feb 2009

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No - at the time I would have been imprisoned

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Have you  or yet to receive their full particulars of claim ?


Andy


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then scan them up to ONE multipage PDF 

read upload


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

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Morning Andy, Sorry yesterday had issue uploading PDFs 

Hoping this works this time.

 

Concerned I am running out of time - so annoyed that they sent this to me yesterday when it was filed almost a month ago?

 

 

claimemirates.pdf

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Thanks......

 

And copies of this agreement with terms and conditions in English that their particulars rely on ?  I notice they make no mention to exhibits...which of course UAE or not they must comply with English Law and our processes of litigation and be able to disclose all the relevant paperwork they will rely  on..... 

 

Andy


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HI Andy,

 

They did send copies of the agreement etc I can scan and send these later on this evening.

 

Do I need to respond to the court papers today? Concerned about the time frame particularly as the court filed on the 4.3.19 yet CWD only sent to me on the 27th received on the 28th March.

 

 

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Have you acknowledged service this should have been done by the 22nd March ? If so then you have another 14 days to submit a defence by IE Friday 5th April.


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 

 

I couldn’t acknowledge service as it only arrived with me on the 28th March and was only sent to me on the 27th March! 

They included a letter dated the 27th so surely they gave me no time to respond? 

 

Is this unethical / illegal? 

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Court papers come from northants bulk not cwd

ring the court make sure its a real claimform


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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Will do.

it has stickers and stamps on it. 

 

But thought odd the timings ans why come from CWD 

 

heading home to call them now.

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Unless the crafty lot filed the claim to an old address then magically found your real one at the extra poc stage...


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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Hi All,

 

Spoke to Court - said it was genuine. I have until the 12th April to Respond as apparently they were notified today it has been served?

 

Papers attached that were also included. Lots of incomplete sections / Dates amounts etc on the terms and conditions - Not sure if this helps or not. 

 

Had to make small and via Word as for some reason scanned file wouldn't work - let me know if better size quality required.

 

Really need some help and advice please.

 

 

 

 

 

 

Emirates3.pdf Emirates2.pdf

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Claim is not from CCBC Northampton its a manual claim ...CCMCC ....Salford most prob..the claimant serves the claim form on you.


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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yes i forgot about that salford trick

 

wack everything into ONE multipage PDF 

read upload


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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6 hours ago, ConcernedExpat09 said:

HI Andy,

 

They did send copies of the agreement etc I can scan and send these later on this evening.

Do I need to respond to the court papers today? Concerned about the time frame particularly as the court filed on the 4.3.19 yet CWD only sent to me on the 27th received on the 28th March.

 

 

 

Have you got a really bad scanner or are they Illegible ?

 

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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Claiming Interest.... that is Interesting..... will inform separately (CAG   certain things do not need to be Public.... it tips CWD hand)

 

Suffice to say that interest is Haram under Sharia Law... CWD have expressly used the term interest.

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