Moriarty Law - ADCB

[ExDubai]

Hello Everyone,

 

Another one that has received exactly the same PAP as the others. I have responded as below but I have not included a CCA as it doesn't advise this on UAE debts.

 

Response as below;

 

Ticked Box D and stated I don't recognise the debt and I have yet to receive any paperwork to the contrary.

Ticked Box G advising that i am seeking legal advise in regards to the letter from Moriarty.

Ticked Box I and requested all the documents as advised in the sticky.

 

I plan to post this today.

 

 

[ExDubai]

Thank you. I have removed the the tick in item g.

 

I will post more once I have uploaded the redacted documents and will ensure I track this to conclusion.

 

 

 

This is a follow on from a local UAE DCA that regularly contacted different people in my company (anyone they could find) and they also threatened me with interpol.

[ExDubai]

I fully agree.

I am interested in finding a lawyer that can help with this case if it goes further however that does seem difficult.

[ExDubai]

 

So after reading information on other threads I have a couple of points;

 

Action so far

 

1. I have ignored CWD for more than 18 months and nothing has happened

2. I have ignored IRDW or whatever they are called and nothing has happened

3. I have responded to Moriarty to see what they come back with due to them issuing a LOC / PAP

 

I would also be interested in;

 

1. I am being chased by a number of banks that actually advised me to sign the form and they would complete it as the debts I had would stop me from getting the credit. I was desperate and I was trying to find a way out and no documents provided are in my writing.

 

2. If need be I would like to find a lawyer as I have family members that would like to support me in fighting this.

 

3. A few DCA's and one that previously operated on behalf of ADCB emailed every email they could find for people in my company.

 

Lets see how my PAP response goes and I will be back after that!!

[ExDubai]

I would potentially be willing to work with the banks that I owe money to however so far the conversations have gone like this;

 

1. They will involve interpol

2. They have contacted my colleagues

3. They have rejected offers for being too low - all I could afford

4. They have told me to pay the amount I have offered but they wouldn't stop the interest therefore never allowing this to be paid.

 

One debt so far has increased by approximately 588%

[ExDubai]

Here is the letter (PAP) I received.

 

In addition to this I received a 'final demand before proceedings' shortly after I received the PAP and well within the 30 days I had to respond.

 

My response to the PAP as per advice from here is further up this thread. 

04092019, 1607 Office Lens.pdf

 

and final demand

04092019, ML Final Demand.pdf

[ExDubai]

Response saying it is referred to their client and they are suspending collection for now.

[ExDubai]

On ‎09‎/‎12‎/‎2019 at 02:50, dx100uk said:

and?

 

Sorry about the delay on this, I have been very busy.

 

I have received no further response from them.

[ExDubai]

Hello all,

 

I have received a letter for a UAE debt titled 'without prejudice save as to costs' - I can't find if I need to respond to this?

 

Cheers

[ExDubai]

Attached

 

 

Moriarty Law letter.pdf

[ExDubai]

41 minutes ago, FTMDave said:

I've converted your file to PDF so only registered Caggers can see it - best to keep the opposition guessing.

Excellent, thank you

[ExDubai]

They removed the interest

 

is there a specific response to this?

[ExDubai]

Good morning,

 

after 8 months (not the 30 days in the letter) and after asking for the items below Moriarty have sent a copy of statements, copy of passport and a copy of an agreement and nothing else requested. Along with this was a letter that states they have sent 'relevant documents' and I have 30 days to respond or they will speak to their client and see how they wish to proceed. 

 

Any advice on next steps?

 

·        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 

 

 

[ExDubai]

Agreed. Let's see what they send next. I bet it won't be any documentation I originally asked for.

[ExDubai]

They came back with this document!

 

ML Document.pdf

[ExDubai]

5 minutes ago, dx100uk said:

nothing special safe to ignore

As expected. They still haven't given me what I asked for after 9 months of the request being sent to them.

[ExDubai]

On 04/01/2021 at 12:08, ExDubai said:

As expected. They still haven't given me what I asked for after 9 months of the request being sent to them.

Moriarty Email.pdf

 

Now I have received this via email. Still nothing received regarding regarding the original requests.

 

I have written to ADCB making an offer.

[ExDubai]

22 hours ago, dx100uk said:

they just want a confirmed free way to harass you.

 

and would you recommend a 'without prejudice' offer to the bank rather than Moriarty?

[ExDubai]

6 minutes ago, dx100uk said:

Without any interest..how much do you really owe?

£7k without interest, double that with interest. They previously offered a settlement of £4k which I wasn't in a position to accept.