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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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UAE DEBT


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Hello, 

 

I've read various threads on here but struggled to see clear outcomes. 

 

I have two debts from the UAE, I moved back to the UK last year for personal reasons leaving behind a loan and credit card. 

 

I have received contact from IDRWW (with regards to my Mashreq account) and Judge & Priestly Solicitors (regarding my ENBD account). 

Should I be engaging with them to arrange a repayment plan or should I wait for court summons? 

 

Of course, I don't expect to get away with not paying back but I do intend to pay back but only based on my current affordability, which really isn't a lot in all honesty. 

 

It might be worth noting that I have no intention of returning to the UAE, or indeed travelling through the region, again. Also, I have moved address so they currently do not have my new postal contact details. However, they have sourced my telephone number (only received SMS thus far) and email address. 

 

Huge thanks in advance for any advice offered.

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Hi and Welcome to CAG

 

SO what exactly does this text /email state ?

 

Andy

We could do with some help from you.

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Hi Andy, 

 

Thank you for your quick reply! 

 

Letters and emails from IDRWW have been the usual reply within 14 days, and that they are understanding of financial affordability. 

 

Texts from IDRWW and Judge & Priestly are just asking for me to contact them via telephone. 

 

As mentioned, I do intend to pay back as i can't imagine there is ever a scenario where you are able to just walk away (although I have huge issues with the finance they just throw at you willy nilly in the UAE regardless of affordability etc).

 

Thank you again.  

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well that's the whole point..they should NOT have loaned you in the 1st place.

so throw the morality card out the window...

 

have you moved within the UK since you came here?

or have you actually informed the banks of your correct UK address in writing yourself

rather than their dogs finding you via your UK credit file and sending phishing attempts ?

 

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... 

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Quote

Also, I have moved address so they currently do not have my new postal contact details

 

Quote

Letters and emails from IDRWW have been the usual reply within 14 days

 

You said they didn't have your current address  ? Letters to your previous address ?

We could do with some help from you.

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Hi dx, 

 

Thank you for your response. 

 

I have moved within the UK twice since late 2018 (with family at first and now on my second rental). 

The 2 companies have my previous rental address, presumably they got this from my credit file

I have not responded to them at all, so no opportunity to give them my new contact details. 

 

I've just set up mail redirection from my old property to my new one. 

 

My social media is all private with no telling details, and my LinkedIn just shows me as a freelancer (which I am). 

 

Thanks so much. 

 

Hi Andy. 

 

Yes, letters to my old rental address. 

Although, I have just set up mail redirection to my new address through the Royal Mail.

 

Thanks. 

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I would be contacting them to update your current address....we have known redirects to fail with regards to court claim

 

If they wish to escalate this their first port of call will be to send you whats known as a Pre Action Protocol form...similar to the following ...

 

 

 

What dates do the agreements go back to and what date did you last make a payment ?

We could do with some help from you.

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Ok. So make contact now and give them my contact details? Should this be done by phone or email or post?
 

Date they were taken out were in 2014, I need to

get the exact date... and last payments in October 2018. 

 

Thank you

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Whichever way your most comfortable with...I personally wouldn't speak to them...email should suffice as long as you have proof they are aware of your current address...is the point of the exercise.

 

The reason for the dates was to eliminate the debts being Statute Barred...the SOL on UAE debts is 10 years.

We could do with some help from you.

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I dont suppose you have retained any paperwork in connection to the agreements ?

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 OTHER

 

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No :-(. I never realised their importance all those years ago and left behind in Dubai. 

When I say all those years ago I mean when I got the initial paperwork and agreements. I only left Dubai in 2018, and discarded it all. 

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might it not be a worthy idea not to use email

incase they raise a claim latter?

we know what they are like ?

 

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... 

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pers I would simply Write via royal mail to the bank direct.. simply informing them of your correct and current UK address ref a/c numbers .

you can get free proof of posting at any PO counter.

 

one last thing..the letters do say our client xxx bank?

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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There isn't much of a postal system in Dubai, I have had birthday cards etc posted to me in Dubai over the years and often it would take 2 months to even reach me, if at all. That is my only concern about posting to Dubai.

 

With regards to wording of the letters. See attached for latest from International Debt Recovery.

 

The text from Judge & Priestly just says "Please Contact Judge & Priestly Solicitors on 020 8290 7316 ref xxxx. This is not a sales or marketing text. Please do not reply to this message." In the reference number there are letters included that allude to ENBD. 

IMG_0050.jpg

Edited by Cdubz
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These people chasing the debts are after easy money and won't spend money on court fees, as it is really up to the foreign creditor whether they want to take it further. 

 

Depends on your situation.  Level of debt owed, when you stopped paying, whether there were any issues with the debt you owed i.e. problems with the way Bank handled the accounts, excessive interest/fees added and also on your current position back in the UK.  Are you in employment and can afford repayments ?  Do you own any property assets ?  

 

There are some cases of these foreign banks making people bankrupt in the UK related to the debts owed.  Also they have obtained CCJ's, but from what we have seen, this tends to be where the debtor has decided to ignore communications or not keep creditors up to date with latest UK address or failed to follow the correct processes to defend claims.

 

Which is why it is suggested that you contact the foreign Banks directly, provide your address and start a dialogue, but don't admit to owing the debt or mention repayments.   Ask for copies of statements and any documents they have issued, since you left Dubai. Tell them about your current situation, if you have financial issues, which might be a factor in how you deal with this matter.

 

And you can advise the companies from the UK chasing this, that you are dealing with the Banks directly.

We could do with some help from you.

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Hi Unclebulgaria67, 

 

Thanks for your reply. 

 

I left Dubai due to suffering from post natal depression and needed support from my family back home. 

 

I owe 90,000 AED in total, and stopped paying when I left in October '18.

 

There were excessive interest/fees added (i'm sure i have paid the original amount owed twice over once you add late fees and the interest) and no understanding from the banks when I had to stop working in Dubai due to my health.

 

When I asked for help the bank managers and telephone support centres would always say I must borrow from a friend or family member or sell something. I think i was quite fortunate to get out of the country when I did. 

 

I'm self-employed here in the UK and own no assets, not even a car. 

 

To be honest, I can't go through the stress of going to court so i feel it may be best to work out a payment plan for an agreed amount. I just don't know the right way to achieve the best result. 

 

Any further pointers would be much appreciated. 

 

Thank you 

 

To add, I could afford small repayments and happy to arrange that just to get this over and done with. 

But I doubt they would want to listen to the types of payment i could afford.

 

Ahh sorry for that upload DX. 

Do you need me to upload the letter again or did you see it? 

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images/posts removed
.
please do not post jpg picture images directly to a post
.
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only

.
that way only logged-in,registered and approved caggers are the only ones that can download and see them
.
else anyone can see them caggers or not.

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... 

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Share on other sites

pdf please read upload

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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This letter was end of January, since moved as mentioned so there is every possibility several more letters could have arrived since. But have now redirected my mail using Royal Mail as of this week.

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Lets not get a head of ourselves and see what transpires.......inform IDR of your current address then you will not miss any further developments.I would also request copies of any further communications since letter dated ......Jan 2020.

 

Pointless informing the Bank of your current address.....the tail wagging the dog is here in the UK and they will be the ones escalating and serving.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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Ok thank you Andy. I’ll email them in the morning. 
 

In your experience, what would be the usual “discount” offered on a debt, if any? Or is that getting ahead of myself?! 

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Getting a head of yourself......simply inform them of your current address...no admittance no offers no discounts........then come back here with the next missive you recieve.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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