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Emirates NBD credit card debt


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I’m hoping to get some advice on my situation as I’m really keen to find a solution and put the situation behind me.

 

I left Dubai in 2018 with a credit card debit of £8k

. I arranged a payment plan when I was back in the UK with Emirates to pay £2k per month which I was able to commit to until my circumstances changed and was unable to make the final payment (looking back I am kicking myself for allowing this to happen) but I can’t go back in time and just to to resolve this now.

 

I stuck my head in the sand and ignored their emails.

This year I received a couple of letters and emails from IDRW regarding the TOTAL debt of £8k which in all honesty hasn’t fazed me as the lack of info they have and reading other threads to just ignore, all it’s done is spur me on to try and speak to emirates to fix it.

 

I haven’t responded to IDR.

 I’ve called Emirates and they were very unhelpful and couldn’t even find my details for 10 mins (at £2 a minute to call by this point I had lost patience)

 

once they finally found my details Said I owe them £7k with all the interest that has accrued.

 

What I want to do, is pay them what I owe (2k) and potentially some of the interest but it’s not possible For me to start again.

 

Does anyone know how I can approach the situation with them for a fair outcome?

 

Do I need legal representation to come to a fair settlement? 

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Did they try and cash your security cheque?

 

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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typically when you takeout the card, you have to write them a cheque which they can use should you do a runner?

do you do one of those?

 

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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Ahhh apologies I see, no I didn’t. They offered me the credit card when I opened a bank account with them. It was linked to my uae bank account but not linked to anything in the UK. 

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not sure where a link to the uk has anything to do with UAE security...

 

bottom line is some silly dca has zero powers in uk and  most certainly not where you reside now

if you wish to settle for an F&F figure

then WRITE to emirates ... stop wasting time and money on the phone

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 was only clarifying the card has no link to my UK accounts despite making the transfers from UK. 
Yes I’ve tried writing via email numerous times with no response, hence why I called but am yet to receive a response.

 

Just feels like I’m getting nowhere and the interest is mounting up.

Wasn’t sure if anyone else has been through the process of coming to a settlement with them and the means to do so 🤷🏻‍♀️ 

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they typically drop all interest too

there are numerous threads here already.

 

by WRITE i meant by letter

phonecalls nor email provide any legal papertrail.

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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Ok that is very reassuring, it’s easy to think the worst when you feel like your not finding a realistic solution. I only came accross this site this morning so very new to how it works, how can I locate the the threads for more info? Thank you for being so responsive 

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search in the top red bar UAE IRWWW ir whatever

 

or use our enhanced google search box.

 

be VERY wary about what your read elsewhere. particularly by simply using a search engine on the open internet

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

do not blindly enter into anything without PROOF you are the debtor they hold the paperwork and the sun asked is correct.

there are many recent reports of UAE bankers settling for a very small figure of what was outstanding minus ALL the interest added since the debtor 'left'

 

when was this A/C taken out

when did you leave UAE

when did the stoppage at the airport happen?

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

sorry obv you've read here ...so you'll see that one line about the airport line was supposed to be on another thread here today not yours..

 

just don't ignore a letter of claim.

 

have you assets in the uk?

and have you moved around since coming here?

 

 

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 do I own a house here and have lived in it before moving away, then again after I returned and I’m still here now. 
I’ve read the letter of claim is the point a response is required so won’t ignore it. So far letters and emails from IDR have just been the generic asking me to call them. 

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have you legally in writing written to emerates giving them your correct and current address?

 

 

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

Not since my return I have always communicated via email and phone. I may have provided my uk address to them when I set the account up when I lived there but can’t be certain. I assumed they were the ones who provided my email and address to IDR? 
In my letter to them, requesting some kind of settlement, would you advise I do confirm my address to them so they are as up to date as possible? I’m drafting my letter today. 

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yes covers you incase they try a backdoor CCJ.

 

so 1st sentence should, after ref numbers etc atop, refer to the A/C's and state please note my correct and current address detailed above.

 

don't make it a long letter 

simply state you are willing to offer a full and final settlement of £xxxx regarding any and all outstanding a/c's with them. this is on the clear understanding they remove all disputed and excessive interest since [date] 

 

 

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

no... just dump your unjust interest added to the debt since date xxxx. and i ofgfer this settlement sum.

 

this is where these so called helpful websites/solicitors get their backhanders from with uae banks.

no need for any one in uae debt to ever use them. do it yourself directly.

 

there was a thread on a certain uae debt help website just before xmas that revealed a guy settled a card debt through them for £18k and thanking them for what a good job they did for him.

 

he then got a letter 2 weeks later direct from the bank themselves stating the matter was now closed on their books., it detailed the payment they received...£8500, the intermediaries pocketed some £10k out of the debtor! he complained....

 

it was quickly removed!

 

 

 

 

 

 

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

Letter posted, proof of postage obtained, also emailed soft copy to their collections email address and kept a copy for myself. I will update the post with updates, if any. Feeling like I’ve done all I can at this stage. 

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it will be from a solicitor its title will be letter of claim.

in it it will mention pre action protocol.

 

there will also be a reply pack 

click letter of claim and see the attachments 

 

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

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