IDRWW/CWD/Moriarty Law PAPLOC - now another PAPLOC from IDR legal.

[dx100uk]

as with any DCA.

sadly 99% think they are bailiffs and wet themselves and BLINDLY cough up

 

 

dx

 

[flyingblind31]

Good afternoon guys,

 

 I’ve had a response from from IDR Legal.

 

In response to my PAP letter, they claim that I have misunderstood their original letter and they are acting on the behalf of the bank and not acting as a debt purchaser.

 

They claim that any Notice of change to the terms and conditions where available on the banks website and regarding any notice of default, this is a concept under the Consumer Credit Act 1974 and has no relevance in this matter.

They confirm that there is no equivalent under UAE law and that the credit card statements (provided) are sufficient in evidencing my liability.

 

Finally, they say that it isn’t a statutory claim, where their client intends to rely upon any particular statue but is a contractual claim following my failure to meet my contractual repayment obligations.

 

Any guidance would be very much appreciated. 

Edited January 11, 2023 by dx100uk
unnecessary previous post quote removed

[dx100uk]

yours is not the next moved

 

dx

 

[flyingblind31]

Thank you DX, what can I expect next? 

[dx100uk]

 

probably more willy waving.

 

if you've been reading threads here?

you'll see their typical mantra is a statutory demand, (though deciding if it's fake or not or is a bluff or not is interesting)

 

or a court claimform

 

or nothing more.

 

dx

 

[flyingblind31]

Do I need to respond to this letter? 

[dx100uk]

already answered

 

 

[flyingblind31]

If I was to file for an IVA in the UK, would the likes of IDR still be able to chase me? 

[AndyOrch]

It is possible to place a foreign debt on a IVA assuming the creditor will accept the proposals.

[flyingblind31]

What happens if they didn’t accept, or more likely, not reply at all? 

[AndyOrch]

Then your application is rejected......that's assuming this debt is the only debt you want included...if your including other debts they may be accpted.

[dx100uk]

pers id never go never an iva. not for any consumer debt.

 

dro maybe, but im not sure that applies to you?

 

dx

[flyingblind31]

DRO, what is that? 

[dx100uk]

click and read.

but i seriously suggest you are panicking about nothing.

 

they send 1000's of these letters out every week trying basically scam people.

 

i would suggest the original bank have no idea they are upto this 

[flyingblind31]

Thank you as always. I’ve been approached by all the different companies in the last 7 years and every time they seem to find a different angle of attack to get under my skin and push me against the ropes!