Jump to content


Moriarty Law PAP - re old ADCB debt in UAE


Please note that this topic has not had any new posts for the last 363 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

 

Hi

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.

 

 

 

 

Link to post
Share on other sites

Suspect that the claim may need to be heard in HK instead of the UK as you are no longer resident over here. 

 

Let the guys come along and advise.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

For a UK Court to be used the claimant would need to believe you were resident in the UK. The UK Bank account means you have a UK credit record linked to your Mothers address.

 

You could leave it until they issue UK Court claims and get your Mum to tell you immediately when they are received in the post. Then issue the defence that you are not resident in the UK ( providing your HK address) and tick box disputing jurisdiction.

 

But probably better to contact Moriarty Law and advise you are resident in HK and provide proof of being a HK resident. 

 

Yes a CCj could be obtained in your absence with Enforcement officers instructed to visit your Mums address. They would be looking for you to pay or seize your assets to sell. 

 

UK Courts accept foreign statute of limitations, as there is legislation allowng this. UAE limitations is 10 years.  Check HK law in regard to foreign debt enforcement in HK.

 

Suggest you email or fax Moriarty Law with your HK information.

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

Link to post
Share on other sites

My mother is in her 80s and very poorly, lives alone and just home after a serious illness for which she was hospitalised for weeks.  I really don't want her bothered by any of this. Grateful for advice on how best to proceed.

I can return PAP reply form(s) disputing claim if that buys time.

Link to post
Share on other sites

follow post 5 here for each one

 

simply reply that you are and have been a permanent resident in HK since date.

 

dx

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... 

Link to post
Share on other sites

Thank you dx100uk for that

 

A few final queries, just to be absolutely clear:

 

Are you recommending I do this form three times - once for each alleged debt, tick box D on each and state:

I dispute this debt because..I am not resident in UK and have been a permanent resident of Hong Kong since xxxx ?

 

And do I need to tick/add anything else like box I and a request for further documentation? 

 

Also on address/details etc at top of reply form should I just leave that blank and put Name and Reference Number only, because obviously UK address is not my address any more? Don't wish to reveal my  HK address unless absolutely necessary and to avoid harassment here.

 

Do I need to enclose a copy of my HK permanent resident's ID card for example to prove I am resident there?

 

Can I return them all in same envelope or should I send separately?

 

Sorry for all the questions questions, but want to be precise and never had to deal with anything like this. The thought that bailiffs could go to my ailing mother's house if a CCJ was issued is very worrying, frankly makes me sick to my stomach.

 

Thanks again

 

 

 

 

Link to post
Share on other sites

no good you keep hiding!! that's the route cause of why you are in this predicament now.

 

 

fill out the forms 1 for each as advised.

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... 

Link to post
Share on other sites

Sorry, I'm not with you, I'm not hiding from anyone, just asking for precise advice on filling out the forms:

do I give a HK address or not? 

And where do I state that I am now resident of HK? 

Thank you and everyone else here for helping

Link to post
Share on other sites

you indicated...

 

Don't wish to reveal my HK address unless absolutely necessary and to avoid harassment here.

 

…….

that's why you are in this mess..

 

there is an address box on our reply form..use it

 

because ...I have been a permanent resident of HK since date..

 

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... 

Link to post
Share on other sites
  • 2 months later...

Yep pretty much what id expect

You solely got the pap form because youve ignored everything to date.

They cant now get a default judgement so radio silence time

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...