J & P chasing Emirates NBD Card debt

[Worrieddubaidebt]

I am being chased  by Emirates NBD by J & P DCA.

I have responded but am not in a position to pay the debt.

The original debt was for £6000 now its £19600 

 

Also I have checked out the London Gazette and the same bank have filed bankruptcies against people within the UK

[dx100uk]

opps..should have come here 1st before ever responding.

who did you respond too, by what method and what did you say?

was this a card or a loan..

[Worrieddubaidebt]

I replied to J & P and asked for all the paperwork which they have now sent.

The reality is I have no assets and due to COVID 19 no job so not sure what they will do.

 

I have explained this to them but they are saying they want the full amount.

I have been looking at other posts on here and it says ignore but as I have nothing then they have nothing to take.

 

They have no property to put a CO against, all I would do is offer a monthly payment but they rejected that so will I have to wait for a CCJ in order to set that up?

 

All by email

[Worrieddubaidebt]

@rgaine do you have a sample of what you sent to the bank to have a payment plan put in place please?

[dx100uk]

pers i would not do that..

 

sorry this seems like this has been going on for a while now and p'haps you should have dropped it rather than continuing pointless letter tennis.

 

the people to write too are the bank NOT their powerless monkeys.

 

FWIW: most of the UAE stuff you see in the gazette are from patsy cases whereby the 'debtor' is paid more to allow things to happen and for these things to get publicised than true cases.

 

 

 

 

[Worrieddubaidebt]

I should contact the bank direct? I can pay £20 a month but J & P refused this.

 

what do I do?

 

[dx100uk]

ok for next time or for latter readers here....

NEVER respond to a powerless DCA EVER when their letters say our client XYZ

only ever respond to the CLIENT directly, else you'll get all kinds of blind threats that mean nothing and get worried and wound up.

 

9/10 their  CLIENT has no idea any DCA is ever contacting their past customers to chase the debt

and most certainly would never receive any money you pay to the fleecers..that goes in their pockets for drinks down the pub later that night.

 

if you ever get a letter of claim under the pre action protocol THEN you respond as advised in the relevant sticky on this forum.

 

........................

 

How did you respond to J&P (method please)

 

 

 

was this a card

or a loan..debt

 

 

 

 

[Worrieddubaidebt]

By email. Nothing by post.

[dx100uk]

opps not a good idea giving them a free way to harass you.

no wonder you are in a panic

never use email for debt nor ever use the phone.

 

was this a card

or a loan..debt

 

and have you moved numerous times in the UK too?

 

dx

 

[Worrieddubaidebt]

Also it was a credit card, they filed a police complaint in the amount of 36000aed and now claiming 97000aed

 

They don't have my correct UK address either

Edited September 29, 2020 by Worrieddubaidebt

[dx100uk]

who filed a police report and where and who told you that?

 

you need to update the BANK upon your correct UK address always

 

how long ago did you take this card out?

when did you last pay it?

when did you run to the UK?

 

dx

 

 

 

 

[Worrieddubaidebt]

The bank filed a police report in 2018.

I left Dubai in 2017.

Last paid May 2017.

 

This is what  J&P have told me through Emirates NBD

 

This is what they sent

police.pdf

[dx100uk]

write do NOT use email to the bank directly

simply informing them of your correct and current UK address(es) each time you move until SB date which i think is 10yrs from last payment.

 

you don't need to reply to anything or anyone by any method until or unless your get a letter of claim in the MAIL from a solicitor on behalf of their stated client the name bank.

 

dx

[Worrieddubaidebt]

Thank you dx. Much appreciated 

[Worrieddubaidebt]

This is a worry I’ve not heard from the DCA chasing me but they will be in touch again. I’m dealing with J & P

[rgaine]

And is this another bandit firm like IDRWW J&P.

I’d certainly ask if the debt has been passed through the courts of the uae and do central bank know this from the bank also. ??? 

[dx100uk]

1 hour ago, Worrieddubaidebt said:

Why don’t you look at going into an IVA or something? You can dispute the Stat Demand. If you go into a voluntary agreement then what can they do? 

 

you do not ever want to use an IVA let alone for UK comsumer debt

even more so for a bogus out of jurisdiction foriegn debt.

 

IVA's are a very bad idea all around as 99% of payments go toward the providers on going monthly fees and very few £'s off any debt.

 

 

[Worrieddubaidebt]

Thank you for that advice Will reconsider if mine gets to this stage.