I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.
I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010.
There is a difference with my case, however and I need some advice.
I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday.
There are also two follow-up "Final demand before proceedings letter" both dated September 8.
In previous years there have only been various DCA letters sent which have all been ignored
My queries are this:
1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad”
2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess)
3. If I do that, should I send the three forms separately or together?
4. Should I return it saying I have left the country adn not to send any more correspondece to my old address?
5 Or is there any other advice you can give.
I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK?
Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!