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Made Redundant in Dubai - IDRWW CHASING IN UK


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Hi there,

 

I have read many threads on here but just need some clarification on what to do next.
 

Had a credit card in Dubai, made redundant in April 2020 still have no job in the UK and no money.

Latest address on credit file is a friends address for paperwork to go to whilst i was away and address not updated as no proper address (should have one soon)

 

IDRWW are chasing me for the the first time with the email below. 
 

I have read in other posts i should update my address with IDRWW, dispute and dont admit to the debt and ignore any future correspondence?

Is this correct and if i do this then at what stage or what letter should make me reply/react/do something?

 

All social media has been lockedown or removed. 
 

Seems to be a lot of threads that just drop off so i will continue this thread with updates and timelines for a structured approach and actions to take. 
 

Any help is greatly appreciated. 

 

@dx100uk 
 

the Middle East to deal with a number of liabilities owed by individuals resident here in the UK.  

All of our work in this respect is regulated by the Financial Conduct Authority in the UK (under FCA licence number 737367).

A liability in your name features on a portfolio which we have been instructed to manage.  

We have been provided with this email address for you, so our intention is for all communications to be directed to this email address.  

That said, we know and are sensitive to the fact that debt is a serious and very worrying issue for many people

- so we do not want to increase that burden by communicating with you through inconvenient channels.

Accordingly, if you do not want to be contacted via this email address, please let us have an alternative means of communication, within the next 7 days; either a telephone number, a residential address or an alternative email address.

If you do not take up this opportunity to direct us down a particular communication path (or paths) then we will assume that the continued use of this email address for communication is acceptable to you going forward.

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thats not really on 

as they can't simply assume an email address is correct.

 

it's solely sent to make you reply

pers i wouldn't until you are settled

you'll get letters anyway via your mate...so no real rush?

 

the only time your really need to respond is if they issue a letter of claim 

as detailed in the threads you've read.

 

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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Posted (edited)

Thanks @dx100uk

 

so when i get settled, i should provide them with an up to date address?

 

debt is around 50k aed - what is likelihood they will issue a letter of claim?

 

reading all the other threads. The issue if claim needs to come from the bank itself in the UAE as the owner of the debt and DCA such as IDRWW cannot commence proceedings on their own?

 

just want to be crystal clear what to do, when do it and how to approach. 

Edited by Standarddubai
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just comeback here with any news

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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I will do as and when but would also like to understand the likelihood of this going all the way? I have no assets and will be renting a room in a shared house.
 

just want to confirm that i should not respond to any letters, emails or calls unless it is a letter of claim?  

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we don't have an crystal ball.

 

 

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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A load of rubbish and I cannot believe Mr Coyle and his cronies are still trying this on during Covid.  

They do not own the debt simple as that!!!

 

I replied back to them time and time again and even the people at IDRWW to tell them if they continue to message me each time I will send it to the SRA and the FCA and make my complaint. I even told step change and citizens advice as they still quote to seek help when then know full well they cannot as nobody is up to speed with what to do.

 

I communicate with the banks and the banks only as this is who I owe my money to and will only pay.

Not CWD not IDRWW and none of those foolish collection agencies from Dubai that will start to call and email you like crazy.

 

11 years of it.

Create a new email and keep everything there for evidence and like DX has said don’t reply yet. 


i have an article going in the National next week as there are some new laws where you can arrange monthly payments with the banks. 

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@rgainethat’s great thank you. 
 

can you share your twitter with me via message as i saw on your other posts you tweet about this sort of stuff?

 

where are you currently with your situation, have you ever had letters of claim to go a uk court?

 

your story sounds so tough and for so long, i can’t begin to imagine what it must be like for you. 

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@dx100uk @Andyorch

 

dear both, has there been any claims for UAE debt that has gone to UK courts and been successful for the UAE banks? If so could you point me in the direction where i can learn how/why this happened?

 

not backdoor CCJ’s but after following the templates and request for info on this forum?

 

so many threads on here have no endings. 
 

thank you both. 

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Because nothing happens..they think they dont need to update us.

 

There have been losses even here but thats mainly down to people not following advice correctly.

 

There have also been numerous wins in the past  by them outside this forum but most of them have been patsy cases.

 

 

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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The other issue with these often large foreign debts being chased, is that the debtor is not in a position to pay very much and has no assets.  So when threats are made to issue the Court claims, the UK Debt collecting Solicitors are made aware by the debtor that they have very little to offer. This makes the debt very unattractive to collect, as the costs incurred may be more than the amounts collected.  At this point the debt is referred back to the foreign Bank.

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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the statute barred clock keeps ticking.

 

referring the debt back to their client effectively means nothing, they were always the 'pusher' anyway, though sometimes i wonder if IRDWW/CWD simply chase these debts off their own back without any reference or knowledge of their client in the 1st place ...simply to mug people for their own gain and the banks see none of what they collect.

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 is very true.

 

When I questioned Mr Coyle Mr Letheren ( who by the way was operating under a different job title for IDRWW which I called him out on) and Mr Coleman part of CwD about their knowledge and do they know the full facts to the letters they are sending out, the only answer I would ever get is that “we represent the bank we don’t own the debt” to which point I give up.

 

They don’t have any legal right and even the FCA confirmed this with me although they are free to chase but until they buy this debt and that debt has passed through the courts of the UAE in the correct legal manner then there is nothing more to say. 

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Which is correct but if they simply issue the claim in the Banks Name and they act as Solicitors ?

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 The National Consumer Service

 

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

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Its 50/50 as in any court claim.....dependent on the strength of their case....the Judge presiding....if they have followed due process.

I was simply clarifying that just because a debt has not been assigned...dont presume you are safe from a court claim.

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 The National Consumer Service

 

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

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Of course a payment plan can be put in position but not without a CCJ being registered using the court form N245......the only way to enter into a payment plan with no CCJ is to settle by way of a Tomlin Order with payment plan.

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 The National Consumer Service

 

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

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Yes

 

But be very careful about blindly doing such without help.

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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Okay. 
 

a CCJ would be absolutely detrimental for me and have only had the first email IDRWW. 
 

should i contact the banks and try to arrange a payment plan? Based on the other threads i see they dont play ball with these and refuse point blank. I would now be able to make some repayments as i now have a job in the UK but not the repayments i was making whilst i was there. 
 

im really stuck what to do. 
 

Alot of the the times i can see that it doesnt go to court and that’s it but sometimes it does and no one really can see why they do/or dont. 
 

i know you both give sound advice all the time so really any help or direction would help me mentally. 
 

thanks all. 

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as long as they have an address in the UK that you will reliably and timely get notice of any LETTERS sent to you....you are safe to ignore.

stop panicking.

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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On 04/09/2020 at 14:38, Standarddubai said:

Okay. 
 

a CCJ would be absolutely detrimental for me and have only had the first email IDRWW. 
 

should i contact the banks and try to arrange a payment plan? Based on the other threads i see they dont play ball with these and refuse point blank. I would now be able to make some repayments as i now have a job in the UK but not the repayments i was making whilst i was there. 
 

im really stuck what to do. 
 

Alot of the the times i can see that it doesnt go to court and that’s it but sometimes it does and no one really can see why they do/or dont. 
 

i know you both give sound advice all the time so really any help or direction would help me mentally. 
 

thanks all. 

I made an agreement with Emirates and I pay £20 a month through Iban job done.

I got in touch with the hierarchy on LinkedIn and explained my situation and also the fact it’s been 11 years and I’m getting tired of dirty Dubai collection agencies and then these uk solicitors trying to collect it.

 

I just said either sell the debt and let me deal with this in the uk or at least accept my payment.

They accepted as reduced my loan/cc and no more hassle.

 

The other 2 banks I am at a standstill as they have broke Every law from the penal code in the UAE and central banking laws let alone uk laws and still get contacted from collection agencies from time to time but I have my reply ready in the email I set up for Dubai.

 

One of these banks tried using Mr Coyle and IDRWW and I’m still waiting after 6 years.

As per DX don’t panic and don’t be scared ! 

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