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haggis01

Abu Dhabi Commercial Bank (ADCB)/Moriarty PAP Letter Of Claim - Credit Card Debt

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Hi all,

 

I have seen a number of similar threads on this forum regarding debt in Dubai, but wanted some advise on this particular 'twist'!

 

I lived in Dubai for many years and left in 2009. I closed all my bank accounts etc before I left, but around 2 years after I left (2011), I received an email from a UK debt company (IDR) saying that I owed Abu Dhabi Commercial Bank (ADCB) around £600 on an unpaid Credit Card, dating back to 2008 - the email explained that the amount included interest and other late payment charges.

 

Having read on these threads and others, that the best thing to do was ignore it, that is what i did.

 

Around once per year, I received similar emails regarding the debt, but from different Debt collection companies. Again, I refused to acknowledge any of them.

 

Then about 5 days ago I received a letter to my home, from a company called Moriarty Law which included a Pre-action Protocol (PAP) form. The letter stated that I owed around £7,000 relating to a Credit Card dating back to 2008, but did not specify how this number was arrived at. It stated only the exchange rate they had used to convert the outstanding amount from UAE Dirhams to UK pounds sterling.

 

I have a few questions around this.

 

Firstly, I do not recognise this debt, nor have had any communications from ADCB themselves regarding it. Is it likely that Moriarty Law have 'bought' this debt from ADCB and are now trying to get payback for it?

 

Second, if the debt is genuine and has been built up with interest and charges over the preceding 10 years or so, is it not statute barred if being taken to Court in the UK?(in UAE the limitation is generally 15 years for consumer debt)

 

Thirdly, how should I respond to this letter? I think I have 30 days from receipt of a PAP to respond, but wanted your opinion on this.

 

Finally, has anyone on this forum had a similar experience with Moriarty Law and if so, what has been the outcome?

 

Many thanks.

 

Haggis.

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what are moriarty doing chasing a UAE debt uh??

 

can you scan up the letters you have to one multipage pdf please

read upload. 

 

 


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Thanks DX - I will scan and upload later today.

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Hi,

 

I attach a copy of the PAP Letter received from Moriarty Law.

 

The amount I am being told I owe is £7,611 - but absolutely no detail as to how this has accrued or been calculated.

 

I do need to reply within 30 days and included in the letter is a Standard PAP Reply Form. I was thinking of sending them the Reply Form stating that I do not owe this debt and asking them to provide full evidence so that I may consider it. 

 

What is you opinion?

 

Also, this debt if it is to be believed, is now nearly 10  years old and considering they are preparing a Court case, would it not be Statute Barred under UK law even though the limitation period for consumer debt in UAE is 15 years?

 

Please advise.

 

Thanks.

ADCB PAP letter.pdf

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have you the emails still?

i'm trying to understand the course of things..

 

short ans is no they cant but I expect its simply to see if they can get a default judgement to another old UK? address as you've never informed anyone in writing where you are now?

 

dx

 


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Hi,

 

I don't have any of the old emails - last one I received was prob more than 1 year ago.

 

I have lived at the same address since returning to UK in 2009. However, I have seen a TRACE on my Credit Reference file about 1 month ago, so assume it was them.

 

 

 I will complete the Reply form answering that I do not recognise this debt - unless you think otherwise?

 

Thanks for your help.

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no not yet

there are ways to do it.

dx

 


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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In any case, even if there were funds owed, I doubt whether the value of £7,600+ is legitimate. Do they not have to show me how this debt has accrued?

 

Also, given that any debt which may exist goes back to 2009, would it not be considered Statute Barred, due to the length of time involved?

 

Your advice is much appreciated DX.

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As with any alleged debt, you would ask the Solicitors chasing the debt to provide documentary evidence. Ask for a copy of any original signed finance agreement together with the terms & conditions, which must be in English.  Ask for copies of any notices of change in account terms & conditions that were issued, which must be in English. Also ask for a copy for any notice of default that was issued in English. Also ask for copies of all statements of account in English. And ask for copies of all important documents that their client issued in English, such as registration of any debt with UAE Courts or other authorities.

 

Send a letter by recorded delivery just saying that in order to consider their letter and to obtain legal advice, it will be necessary for them to supply the following documents.  Then list all of the above.

 

 


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Hold off replying yet please

 

you might not have moved. But ofcourse never written to confirm address to the creditor?


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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No, Ive never written to Creditor about address in UK because I never knew I had any debt!

 

To my knowledge, I don't believe I have ever received any mail from ADCB.....

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this is a very interesting twist as you say in the 'collection' of QAE debts.

smacks of CWD etc are failing badly now its getting publicised what to do rather than running to a certain website and getting sc@mmed by them into a deal.

 

I will suspect this is a new cheap ploy to get rubberstamped backdoor CCJ's on UAE debts where nothing is checked by a human.

moriarty never appear in court anyway ever.

so i will guess that once you reply, this will die.

 

 


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 DX.

 

Will keep you posted......

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hold any reply yet

I cant poke till someone I know is in work tomorrow..

 

have you got a webportal for the email address those msgs of past were sent too

if you go there and log in 

all you old email should still be there even if you've deleted it from your email app/prog.

 

would be very interested to see them please or atleast who sentthem.

 

dx

 


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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Unfortunately, they were sent to my old work email address - which I no longer have access to.

 

However, I am quite sure that at least one of these was sent by IDRWW  debt collection company.

 

As I said earlier, I got a letter periodically, probably no more than once per year or maybe per 18 months.

 

Hope this helps.

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good that's very interesting it was IDRWW.

 

ok lets mull this one

you've 30days and I need to poke things about something..


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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It’s statue barred after 10 year (not 15year as first thought)  I know this as I have just been through this with CWD, for a 6 year old debt

 

also, they need to provide Evidence so don’t admit to anything - looks like they are looking for you to admit it if they contact you without any evidence

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thanks SP

 

so looks like SB'd letter time then...

 

dx

 


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 SP.

 

I will reply to the PAP stating I don't believe I owe this debt and ask them to provide all the evidence.

 

However, reading the note again, it specifies that I defaulted on 24/7/10 - which means that the debt, if there is one, is currently only 9 years old, so SB letter may not work yet.

 

That said, if ADCB are looking to take the case through UK Court, surely the Limitation Period is as per Limitation Act 1980, which is 6 Years and not the 10 years applicable under UAE Law.

 

Finally, the date is very spurious

- I left UAE in December 2009, so if I did default in any way on any Credit Card payment, it would have been long before 24/7/10!

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No there is UK legislation regarding foreign limitations periods applying. 

 


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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Hi 

 

I have literally had the same letter turn up today.

 

What do i do next?

 

 

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create your own topic

hit create in the top red banner

and lets see things please

pdf only

 

dx

 


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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we'll all knock up a reply over the coming week haggis

dont fire anything off yet

awaiting some intel behind the scenes..

 

just for ref...you are in England? just your username says haggis??


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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Yes - I live in England. (But do like Haggis...!)

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