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Hi dx100Uk, I have been following the advice in this forum as I am on the same boat.

But something very strange happened in DCA email.

I have sent you an email in your Inbox with the details.

I will be ever so grateful.

thanks

 

I have been following this forum for a long time.

Like many I have same issue with few banks in UAE since 2015.

I had contact from CW and IDR

- I have always told them when I find employment I will contact banks directly to settle my issue.

 

question for dx100uk (or anyone else with knowledge)

 

I receive a chaser (mainly from IDR) every few month which I respond to politely stating my situation.

 

However, last week I received a email reply ---

" We will try to hold your account . But Please be aware the bank may withdraw the case from us and pursue legal action as they have questioned why payment was not made from the capital you received from the transfer of property on (**/**/ 20**)"

 

This got me really worried as to how they have access to all these details of my account.

I mean even the exact date of a payment (though a small about) but still this a information from 2 years ago.

 

This has got me quite worried and I would like to respond to them properly without creating further problems.

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posts moved to your own thread

those not needed now deleted.

 

is all this rubbish coming by email?

 

why o why did you respond

 

to readers later in time DO NOT RESPOND BY EMAIL block them and bounce the emails back.

only ever even begin think you need to pay attention to anything if its BY LETTER ONLY.

then come here and scan it up.

 

if everything is by email/phone to date

forget about it totally

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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Hi Dx100uk, in response to above why i replied -

 

2 reasons mainly.

a) I was worried (still am worried) 2 years ago when I just left.

b) I didn't come across your forum.

They also sent letters.

I understand your point and perhaps you are right they cant do nowt!

 

However, how did they suddenly gained information about my account with exact date of a transaction on a property transfer, as I stated above.

Are they able to have access to my accounts?

Are you able to perhaps give us your view.

thanks again

 

Hi sorry - just answering your Q

is all this rubbish coming by email?

 

They sent me email and letters/ I chose to respond via email as I was really not sure what to do at that point (2 years back).

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2yrs ago and they are still willy waving..

 

shows they cant really do anything then.

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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yeah still Willy Waving lol. I understand what you are saying and I am sure perhaps they are just scaremongering.

 

But how have they received this "certain information suddenly last week" got me really stressed.

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Thats the idea of it!!

 

All powerless dca's can do is harass and embarrass

 

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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  • 1 year later...
I have been following this forum since 2016, and have written here couple of times in the past. 
Writing again on a new development/ event which I would like to get your comments on 
 

Without going into all details, in short - I left UAE when I lost my job in 2015. leaving behind debts with few banks (CC etc).

Now and then I have worked on small projects as a consultant since. And next to nothing in earnings! 
(Given all my life I worked in MEA, any good job offers I got was attached to that region which I can't take.) 
 
I have had communications from IDR quite regularly. I have always said I don't have any job and when I can I will settle the matters. I just keep getting emails every few months, which I respond to. So far what I understand nothing else has happened. Just same old email chasing and nothing else.
 
However, Couple of weeks ago a letter was sent to my (Old) UK postal address, for Rak bank. 
A long letter asking me to respond within 30 days to avoid court proceedings
A reply form of Annex 2 - tick various box (I owe debt; I dispute; I will pay now; I will pay need time; etc etc) 
Another annex form 3 - financial statement (monthly income; outgoing etc etc)
 
But I am bit confused with the following :-
 
a) I already have replied/ communicated with them in the past for same bank, via email. So why suddenly a letter was sent.
b) The address is no longer my permanent address. I don't have any more permanent address in UK (due to lack of regular income, I have been living mostly in India where I don't have to pay any rent or anything monthly expense).
c) This letter was sent/ signed by a Solicitor (generally I get email from account manager etc not solicitor)
d) Another interesting fact - if I search on the Solicitor, then the person is attached to CDW not IDR. but the email address in the letter is idr email ID. 
e) Their reference do not match on Covering letter (which was same reference used a year ago on email) and the Annex form. 
 
 
 
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Part of the Pre Action Protocol Procedure....which they/you must adhere to.

 

 

 

We could do with some help from you.

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Hi Andy,

I understand but I was looking for some answers on the 5 points I have raised.

Currently in India as well. Don't know when I can get to UK, not before next year I would guess... 

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have you any assets like property in the UK 

and are you now resident in india?

 

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

solicitors sent the PAPLOC so you must reply within 30 days.

you could relate to their client RAK banks already having all this info

or simply repeat it.

 

clearly state you have no UK assets and are currently travelling (or whatever abroad) 

 

 

 

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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Hi dx

Yes i will reply. I have always replied to their emails. Just odd they sent letter/ documents via post this time.

Didn't understand what you meant by rak has all these info? 

What i wanted to know more because of my curiosity - idr is solicitor firm or just a collection agency? 

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Cwd are solicitors

And who are their stated client?s

Rak?

 

you indicate above you have already sent rak all the stuff request ed in the paploc.

Either refer to that or repeat every thing again in your reply.

 

 

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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Hi Dx 

Ok.

Yes I send all the stuff to idr over a year ago. 

 

But that was my question the letter was send from idr. Not cw. 

 

If you read my 1st post. Idr sent the letter but the person who wrote to me (when i Google seached, seems to be with cwd) 

 

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sorry..ok...Well thats idr/cw for you.

They think they have super legal powers when they have zero.

 

I will guess the client is RAK bank though?

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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old thread from 2018 merged with this new one.

 

shame you didn't heed the earlier advice to ignore them all!!

until/unless you got a letter of claim? did you?

 

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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Hi Dx,

 

Yes it is Rak bank. 

Sorry I apologies I did reply to emails in 2018, because I thought I had nothing to hide like you said I don't have any asset or anything.

They did go quite after that. 

 

then -

 

letter came -  

 "Couple of weeks ago in August 2020, sent to my (Old) UK postal address, for Rak bank. 
A long letter asking me to respond within 30 days to avoid court proceedings
A reply form of Annex 2 - tick various box (I owe debt; I dispute; I will pay now; I will pay need time; etc etc) 
Another annex form 3 - financial statement (monthly income; outgoing etc etc)"
It came from IDR
stating they would like to "engage with me" if not client "can/ may" take
-court action for CCMCC 
- Bankruptcy
I don't know what it mean - CCMCC  
 
thanks 
 

 

Hi Dx

sorry another point might not be important but still.

I was told the letter documents arrived via normal post and the envelope was already half torn! papers were nearly coming out!! 

hand written address. 

 

 

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its a letter of claim , you must respond as already detailed

you say old UK address?

you have a more recent one, or what would you call your correct residential address at presnt in the UK?

 

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

Yes i will respond. 

But I can respond via email right?  They have given a email address. 

 

 

Well i don't really have a permanent address in the UK last few years. Whenever I am in UK. I am just staying with various family and friends. (So its bit complicated i guess.  

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so where do you consider yourself resident you say you are now British, but that was an old address, are you on voters credit file etc here?

 

yes use email. but only as a last resort.

 

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

If you are not resident in the UK and have no UK assets, but may return to the UK to live/work, then I would suggest you make sure you advise creditors that you owe money to, know you don't reside in the UK.

 

This is to avoid a Court judgement by default, because the court claim was issued to a UK address and you did not defend it.

 

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

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  • 9 months later...

Hi Dx

my last post has been closed (RAK/ IDR ) as its over a year old, so I am making this new one.

 

Basically I have received a letter from moriarty (I think its a Pre Action letter) for ADCB with a income / expense form.

This is the 1st time I heard from them.

 

Though I left Dubai in 2015, I properly moved back to UK Autumn last year.

(And finally got some freelance work) So I am happy to pay a small sum each month (given I have multiple cards in UAE) if necessary.

 

Just wondering on your suggestion on how should I respond. 

And although there are few threads on moriarty - I didn't actually find out if they have actually had any court rulings or anything like that.

 

thanks 

 

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moriarty are simple a letterhead for hire solicitors that will do anything to earn a crust

as you already know only the debt owner can issue court claim.

 

there are numerous ADCB threads here to read use our search

 

as long as the original bank has your correct UK address in writing, then if its not a letter of claim, you are safe to ignore.

 

but please ensure all the original UAE banks you have debts with are written too now you are settled in the UK.

 

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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