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Cinderella18

IDRWW & International Debt Recovery- Letter of claim

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Hello,

Have been activity reading UAE threads on CAG for a number of months now and haven’t posted questions as most threads have answered questions or helped me.

 

I have recently received Letter of Claim from IDRWW with the contact a solicitor for CWD, but with an IDRWW email address.

 

Im looking for some advice on how to proceed as I can’t find many threads of this manner. 

Tx

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obviously going for a backdoor CCJ as I suspect you've never told them in writing where you are residing.

 

expand on the debt please

but yes you must reply within 30days.

 

I will guess you've been in the UK a good while and have moved since coming back too?

 

dx

 


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Thanks DX

 

It’s a credit card debt, I don’t want to go into full details regarding the amount as I know they read this forum. But the interest has taken the debit to over 500k dirham.

 

They’ve had my address and have sent me letter ands emailed me over the years a few times I have replied explaining my personal issues and situation. Which they we we ok with.

Last time I heard from them was in 2018 and now I have received this letter of claim.

 

It isn’t titled letter of claim but says it is letter of claim in paragraphs. They sent statements, signed agreement document and forms to complete.

 

So your recommendation is to complete forms and reply to them?

Edited by Cinderella18

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just clarify things..

 

you have informed them in writing of your present address and there are no previous addresses since your returned/came to the uk this period if there was another?

 


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1 hour ago, Cinderella18 said:

Thanks DX

 

It’s a credit card debt, I don’t want to go into full details regarding the amount as I know they read this forum. But the interest has taken the debit to over 500k dirham.

 

They’ve had my address and have sent me letter ands emailed me over the years a few times I have replied explaining my personal issues and situation. Which they we we ok with.

Last time I heard from them was in 2018 and now I have received this letter of claim.

 

It isn’t titled letter of claim but says it is letter of claim in paragraphs. They sent statements, signed agreement document and forms to complete.

 

So your recommendation is to complete forms and reply to them?

 

 

Yes DX that is correct. This has been the only UK address and they are aware of that.

 

In terms of the debt, the bank I’ve the years kept increasing the limit as I am fed he account well, every time they did I called and asked for it to not happen as I was not happy to manage the large limit (trust myself) they talked me out of it and put a number of purchase on payment plans and recommended that I keep the large balance.

 

This happened a number of times over the years and they could see the balance building up and are very irresponsible in their lending practise.

 

I was using the card to live as the monthly payment was high and they could see that but kept raising it without my consent.

 

Dubai was very expensive to live in and became increasingly hard to manage so we left as we also had family health issue back in the UK.

 

hppe that helps    

Edited by Cinderella18
Added detail and typos

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thank you

I revise my advice then

they are well aware of your correct address

do not reply.

 

let the original creditor issue a claim in their name if they are that stupid.

 

i will guess as per the other crap on cag that the letter of claim is in fact not one entitled LOC from a SOLICITOR but from IDRWW a debt collector who cant issue a PAP LOC anyway ..and the solicitor should be stating their client as the original bank not some fake/powerless dca at the next nearer the bog than him.


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hehe

they quotes the supposed PAP rules but don't abide by them

how funny.

 

 


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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

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Sorry DX, I’m new to this so want to make sure I fully understand and don’t want to make any mistake.

 

What do you mean by that comment, what aren’t the abiding by exactly?

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click pap and read section 3

 

a DCA is NOT A CREDITOR

IRDWW are NOT solicitors.

 

only a solicitor stating their client as [the bank] can issue a PAP LOC.

and that [if they abide by and even understand - which they don't at present ..the Pre action protocol process] means its a requirement before they can even think of issuing a claimform. which the court can hit them over the head with if they don't and issue a claimform.

 

you not responding to a PAP LOC is of little consequence even if it goes to court, so even if a solicitor for client[ the bank] does sent one i'd still ignore it. 

 

its NOT a requirement for bankruptcy [the other alternative in their DCA threat-o-gram letter above]

 

its just a cleverly worded letter from a powerless DCA designed to make you wet yourself.

as your post one outlines now if you go back and read your response carefully too

you fell for it as you've made several name errors upon who has done what, what they want and said 

 

also look at the footer...


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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

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Sorry I didn’t mean to make mistakes as was just trying to give you more context and information... as I said this is all very new to me and confusing which is why I asked for some advice....

 

Help me out a little... what have you spotted on the footer that a layman like me hasn’t.

Appreciate the help 😉   

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ofcourse you did mean to make mistakes

you were LEAD into making them.

that's the whole point..DCA's CON PEOPLE, that's all they do.

 

whose the letter from in the footer?

 


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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Hi DX, I’ve just called national debt line and they have told me that a DCA can send you a pre action letter and they have done nothing wrong??

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stop ringing them

like CAB they are not always correct.

 

a DCA is NOT A Creditor!! did you not read pap section 3 like I said

 

even if they own the debt an LOC must be sent by a solicitor.

 

please stop panicking.

 


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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