IDR UAE Debt in UK

[Monty Putron]

How do we know they are their clients?

[dx100uk]

Letters must say so.

[Monty Putron]

So these dma's buy the right to act as agents for banks.

[dx100uk]

DMA?

 

dx

[Monty Putron]

debt management agencies or whatever they pretend to be

[dx100uk]

no-one in your case is a DCA.

[Monty Putron]

Right, but they sure are acting like one. Surely if they register any debt though they win.

[dx100uk]

No

And no

 

[Monty Putron]

Okay,  Dx, I know they aren't a DCA but I'm not sure what you mean.

 

Sorry, its my fault, I am a bit slow on these things. 

 

But the game, and it is a game for these firms, is to register debt as a CCJ.

 

If they get a judge to agree, then its job done.

 

 

 

[dx100uk]

its called a backdoor CCJ where nothing is checked by any human

the court automatically rubber stamp it 

moriarty specialise in these

 

they are a solicitor, not a debt buyer/DCA

nothing has been sold to anyone

simply acting legally as solicitors do

on behalf of their client

who is the one that has to issue the claim.

 

you need to read all the ABDC threads here with regard to these PAP LOC letters

 

the stock reply is already in the relevant sticky here.

 

[Monty Putron]

(A certain website... )

 

is that the one that's alway in the headlines? As I was talking to them. I'view tomorrow

[dx100uk]

all they do is con you into a settlement

dump them.

 

dx

 

[Monty Putron]

Yeah, they told me they would settle a proportion of the original debt, which doesn't suck.

there are 2 chasing firms currently feasting on me, I don't want to lose my job.

I shouls start my own thread, right?

[unclebulgaria67]

I think the certain website is the one that helps people with issues in Dubai. 

 

The feeling is that the help they provide with debts, is just to negotiate a repayment arrangement with the UAE Bank, but what do they get from doing this ? They seem to generate a lot of social media to create fear.  

 

If people want to negotiate repayment, they can do this themselves, by getting statements of account, deducting interest and charges added and then looking to settle the actual debt over a relevant period

[Monty Putron]

Yes, that's them.

they do charge a flat fee and claim to settlethe original debt at a discount

questions: 1-if the Uk chasers are after it you have to go through them and

2- can you deduct interest? that would be interesting.

[Monty Putron]

My turn.

 

I had to leave the UAE quickly after a changeover of ownership at my firm a few years back.

Told by my HR and the card co's my loan and card was insured, of course when I tried to activate this from the UK on gardening leave I was told I had to be in the UAE.

No chance.

 

I'm not in good health & very recently moved in temporarily with extended family.

Letters go to my old flat.

They are asking for the usual eye-watering amounts, insane multiples of the original debt from a few years ago.

There have been a burst of letters to that old address but I've missed a lot, mail is not secure.

 

I spoke to a 'well known website' and will talk tomorrow.

I do not want any court stuff, not good for me, and I'm not doing great.

I'd have settled a while back if I could but: interest etc.

I can't pay these amounts or even close.

 

I can't afford it but I will try to get legal help in any case this week.

[dx100uk]

dump them now.

follow the guide already posted on CAG.

 

please don't use that certain website and its offers of advice.

it is very well obvious with just a cursory browse around the interweb that they are in bed and take backhanders 

[rgaine]

Deal direct with the bank and the bank only ! Get all your statements and everything in english

 

complain to central bank about collection agencies Bilkish, Tahseel etc the worst ones and use the Penal Code also against them to follow the laws of the UAE

 

Complain to the FCA, The FO and the SRA and keep complaining as I have done and nearly have a break through  they are not following the law and will not get away with it. I’m talking about Moriarty and CWD/ IDR they have no right to be acting for these inhumane companies and if they are then they don’t follow the ethics here in the UK. 

[rgaine]

And on top of this also in the early days CWD were acting as a DCA using solicitors as DCA’s which is  against the law for sure which is why the created CWD. I’m sure the directors or Moriarty if you look at company house are trying to do the same thing using wording in such letters to scare and force people into responding and paying but again they do not own the debt 

 

email the banks and work with them to offer payment small if you can and if not ask them to take it through the courts of the UAE and then the UK to which then it is signed over and the correct paperwork registered. 

 

 

[Monty Putron]

I've read these threads till my eyes water. Can some kind sould please sticky a step by step guide in here? Do I engage with the ambulance chasers or go direct to the source?

I don't know if I'll get very far but I'll give it a go & keep you all up.

[rgaine]

Only my advice but like I said the guys here have been great and very supportive this is just me from dealing with this since 2010 and the rubbish I’ve had to endure however there is always light !

 

create an email and keep all communication there so you have everything. No calls no letters etc only email and you can keep track especially when they get nasty. I’ve sent everything to the FCA to show them this and it’s good. 

[dx100uk]

never ever engage with the chasers

 

see post 5 

here

[rgaine]

Yes correct good point but I did this firstly for the 50 daily emails from collection agencies in dubai and then from uk firms which had helped massively as I have all the proof filed by date and in order. 

[Monty Putron]

OK will take stock, see where we are with the letters.

 

If I can find that they have gone PAP I will send the pro-forma letter in 5.

 

Will update in morning, I am sure I am missing some mail.

 

What if I don't have a PAp that they've issued?

[dx100uk]

7 minutes ago, rgaine said:

Yes correct good point but I did this firstly for the 50 daily emails from collection agencies in dubai and then from uk firms which had helped massively as I have all the proof filed by date and in order. 

rgaine

you are more than able to deal this way

 

sadly as you've seen....others are obviously not able to cope..

hats off to you.

 

dx