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UAE ADCB Bank/Moriarty Law PAP LOC Received


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very interesting thread,

amongst the others,

 

could someone however please clarify the advice regarding contacting these people?

 

Some say ignore completely, others say it is best to contact and ask them for English copies of everything.

 

Which is best in these cases?

Edited by dx100uk
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to precis,

UK law applies in the UK so dont invite trouble by contacting anyone if the debt is SB in the UK.

Also, dont go on holiday to the UAE or you will be under their jurisdiction.

 

Threatening letters are just that, threats.

The DCA's dont have what is called locus standi.

Yes, solicitors can act on their clients behalf but a client trying to enforce an overseas law will get absolutely nowhere and a contract under UAE law isnt enforceable anywhere else in the world.

 

If you have just left the UAE with big bebts they may well want to try and get something out of you so if the agreements you signed were under English law (can happen if both parties agree to it and there is some link to the UK)

 

then they can use the courts system here to enforce any part of that agreement that is lawful but the chances are that agreement would run counter to UAE law so they wont be doing that anyway

( shipping contracts are the usual exception so if your debts are about a tanke your chartered then you may be introuble)

Edited by dx100uk
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The advice about no contact and asking for documents in English depends on what stage people are at.

 

If it is just Debt Collection letters and no intent to issue a UK court claim, then there is no need to respond.

 

However, if a UK Solicitors is writing saying that they represent x UAE Bank and the UAE Bank have instructed them to issue a UK court if necessary, then it would be sensible to write requesting documents in English.

Edited by dx100uk
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  • 1 year later...

Hi All

 

Been reading the other threads about this issue but creating my own as that seems to be the general advice.

 

I’ve had two come from Moriarty recently (within 30 days) one for a CC and one for a Loan.

 

Exact same letters as others have received, just different amounts, account number and dates of course.

 

I have drafted a PAP response using the links you provided and only completed the following:

 

  • [removed - dx]

 

Is this the right form of response? I will send to them via recorded delivery and keep copies for myself.

 

I was holding off as I know @dx100uk had said that a response for everyone to use was in the works - should I still hold off or at least send the PAP response initially?

 

Thanks for all of your hard work on things like this!

 

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Hey @uaenomore

 

Im doing exactly the same atm, so thanks for this list, if confirmed correct I will follow it. 

 

One thing I seem to remember reading is to not sign it but print your name instead, something about less reputable companies lifting your sig 

 

Also interested in if @dx100uk has a stock response that will be ready in time for me (I have to reply by Tuesday as sat on it for far to long!)

 

Best of luck 

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PLEASE DO NOT FOLLOW POST 1!!

 

more soon.

 

 

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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  • dx100uk changed the title to UAE ADCB Bank/Moriarty Law PAP LOC Received

follow post 5

 

 

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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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squaddyp docs are here now

 

 

  • Thanks 1

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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Have a read over on Squaddyp thread.....saves repeating myself.:wink:

  • Thanks 1

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 The National Consumer Service

 

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

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Still no further comms.  Has anyone had anything since sending back the PAP?

 

@dx100uk have you heard anything further from anyone else? If they don't respond to the PAP how much of a win is that for us? Or does it not really matter in the grand scheme of things?

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you can read the threads here as well as I can..

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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just type no need to hit quote..

 

moriarty don't ever attend court 

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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So it is exactly as you have said in other threads, they are scare mongering.  Hoping that some of those receiving their mass mails are scared enough to cough up!

 

Is there a time limit for them to respond to the returned PAP form?  Or is the limit only on the people receiving the original PAP to respond?

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Yes they also have 30 days to comply before considering litigation

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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 The National Consumer Service

 

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

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Letter received today stating the same as someone mentioned in another thread. Referred matter to client and will contact again on receipt of further instruction. Account will remain on hold in the meantime and any collection activity suspended.

 

Over to you ADCB!

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  • 2 months later...

Nothing else since the they went back to their client.

 

@Andyorch when you said  "Yes they also have 30 days to comply before considering litigation" does this now mean they cannot proceed as these 30 days have long passed?  Or does the fact they went back to ask for more info buy them more time'?

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