Moriarty/ADCB

[WE1506]

Keeping an eye on these threads and similar, I had a standard phishing letter from Moriarty this weekend and expect a similar letter to others very soon. 

[chelsea05]

Yeah it’s a new one it seems like from them, I have a letter drafted ready to send but will see if any developments here before I send

[dx100uk]

we1606 create your own topic too.

 

chelsea

post your thoughts [pap reply form here]

always welcome input.

[WE1506]

41 minutes ago, dx100uk said:

we1606 create your own topic too.

 

chelsea

post your thoughts [ pap reply form here]

always welcome input.

 

I will definitely start my own topic should it go as far as receiving a PAP like the other threads on here. 

 

I think Chelsea05 is right in their approach asking for all relevant information, the letter also refers to previous correspondence regarding the default. I know I personally have had no contact with ADCB since I have left so I would be asking for copies of such correspondence. 

[dx100uk]

good show..

 

now just to be clear and because i'm pretty sure it is someone thats atleast already viewed CAG or been here with past UAE debt issues...…..is stating something quite wrong..ignore moriarty and their PAP letter of claim elsewhere ive been told.

 

you MUST reply to the PAP form.

 

this has ZERO to do with it being a UAE related issue.

its to do with the PROOF in the financial legal issues section of the sheer number of backdoor CCJ's attained by moriarty regarding other debts like old PDL's when people have moved.

 

dx

 

 

[WE1506]

5 hours ago, chelsea05 said:

My reply is asking for all information regarding the alleged debt, original statements/ agreements and asking if this has gone through the courts in the UAE, also asking if they have bought the debt or are acting on behalf.

 

Really nothing new from what I have seen on here before.

 

I was going to send the pap form back stating I am unaware of the debt in question and ask for the relevant information.

 

my only question is do I send the pap form from them or from government website as I think I read there is one there.

 

Is it also worth asking for details on the instruction by their client (ADCB). I assume there is no such instruction and my guess is that they are looking for a default judgement and then through one of their associated business buy the debt and try to enforce through the judgement 

[unclebulgaria67]

No, the claim will state who the claimant creditor is, which they declare Is correct.

 

Use PAP reply form on Government website.

[dx100uk]

the pap reply form is detailed in post 8 link.

 

 

[chelsea05]

We1506 I’ve not heard of anyone buying debt from UAE to take people to court here in the UK,. Dx May have a better idea on this? 

Remember if such things go to court you have options like monthly payments etc if you lose and if it goes that far and it will be under UK law and not UAE. 

If mine does they have to explain a few things like how the interest over a small period of time is at £2000. 

[dx100uk]

 

[WE1506]

Hi All, 

 

Like most others i have been receiving letters from Moriarty. Initially  i received the standard PAP which i responded to as per the advice on here and received a response stating they had requested the relevant information from their client and all action was suspended. 

 

I did not hear anything back for 5 months until i received a letter containing an application form and statements, with none of the other documentation requested. (see all attached)

 

I ignored this letter and have today received a letter giving me 16 days to respond before court proceedings. Any and all advice would be greatly appreciated. 

   

Moriarty.pdf

[dx100uk]

now read the letter properly

 

does say WILL anything

and certainly doesn't say court in next

 

documents are bogroll application forms and generic rubbush

[WE1506]

Thanks DX 
 

The last letter received - Final Demand Before Proceedings reads;

 

“If no offer of payment or settlement is agreed within 16 days of the date of this letter, then we will issue court proceedings to recover the sum due. We therefore ask that you take immediate steps to contact us.” 
 

I have read lots of threads on here and note your comment of this “willy waving” however I have seen that one case recently has escalated and I want to stop it getting that far. 

Edited April 22, 2020 by WE1506

[dx100uk]

well scan the relevant letter up please

no good asking us for advise if you show us everything bar the reason for your thread...

 

 

[WE1506]

DX see attached. 

 

My question is do i need to respond? should i respond requesting all of the documents requested previously; 

 

·        Original signed finance agreement together with the terms and conditions IN ENGLISH

·        Any notice of change in account terms and conditions that were ever issued since credit approval.

·        Any notice of default or UAE equivalent that was issued by the original creditor.

·        All and every statement of the account including how any interest has been calculated.

·        Proof that UAE Court Judgement has already been gained upon said debt.

·        Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter of Claim and/or issue court proceedings concerning a UAE debt. The UAE is              not a 'member state'.

·        Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to proceed and issue a UK Court             Claim 

Moriarty - Redacted.pdf

[dx100uk]

they are quite aware what they need to respond with...they haven't.

nothing you need to respond too.

 

dx

 

[unclebulgaria67]

Moriarty don't have the documents you asked for.

 

Standard debt collection practice working from a list. Issue x number of template letters, see how much they collect and make half assed responses to any correspondence. 

 

As dx says, if you have told them what documents you require, then it is up to them. Yes they could issue a Court claim without supplying the missing documents, so you need to be checking all post received in future and ensuring that you acknowledge/defend any claim. But do come back for advice before you issue any defence.

 

The only point which may be worth considering.Are there any possible reasons of dispute to raise about the UAE financial arrangements with the Banks ?  If so, it might be worth ensuring that reasons of dispute have been sent in writing to the UAE Bank.  

[WE1506]

Thank you both, your advice is very much appreciated. 

 

I will keep this thread updated on any further developments. 

[WE1506]

Hi, I have had no contact from any DCA since my last post a year ago, I have now taken a Job in Europe and plan to move my family over. I assume the advice would be to write to the banks in the UAE and inform them of my new address in Europe  to prevent backdoor claims.

 

Thanks in advance 

[dx100uk]

not really too sure how other european legal systems work other than uk and if backdoor litigation is even possible.

[WE1506]

I will be leaving property in the UK. My thought process was to ensure that the DCA’s do not try to use the back door on my current address, if I am not there to respond 

[dx100uk]

dca can't do anything, only the OC can raise a claim, wherever you might go, might not have that system as we have in the UK that allows backdoor litigation...not heard of it elsewhere.

 

dx

 

[WE1506]

Thanks, but if I do not advise the banks of my current address could the OC through the DCA pursue it the UK courts in the assumption that I am still in the UK at my old address. 

[dx100uk]

which would be useless to them elsewhere anyway...

you don't own any UK assets so what would be the point?

 

 

[WE1506]

I do have property in the UK