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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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IRDWW Chasing Emirates Islamic Loan Debt


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Hi all

 

I left Dubai in December 2018 as I was made redundant and had to leave a sizeable bank loan behind.

A company by the name of IDRWW have been in contact and are asking me to contact them to arrange payment, they also sent a letter to my home address

 

Can they enforce a loan from the UAE and what should I do?

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100's of like thread here

just type in UAE or dubai or IDRWW

in our search top right and get reading up.

 

but what you must do is write to IDRWW stated client

the bank xxxx 

 

and inform them in writing of your correct & current address to avoid a backdoor CCJ.

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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Just a note on this around IDR and Mr Coyle and his team who is also the same Mr Coyle from CWD the original solicitors that were trying to collect Dubai debt for many years the wrong way and against the law. 

 

As DX always explains very well and others do not give in and do not bow to there pressure. 

 

I had Mr Coyle use an intern once to try and call me at work - disgusting just like the debt collectors in the UAE try to do.

 

Then he sets up this company IDR to try and put more pressure. There was an operations manager never heard from her again that was trying to be all forceful and then a solicitor that was using 2 addresses for CWD and IDR at the same time. Outright ridiculous. 

 

I have complained to the SRA and the FCA many times and they always tell me the same unless the debt has been passed through the correct courts in the UAE and if Mr Coyle and IDR have purchased the debt then nothing can be done as they don’t own the debt they just act in behalf of the banks. 

 

As I always mention I find the right contact at the bank to pay the bank directly. Things are getting a little easier now. 

 

Do not pay DCA from the UK! 

 

I nearly did this once to Mr Coyles colleague and guess what they could not find my payment so I stopped and reported them right away. Shoddy !!! 

 

There are new laws coming in or have done already that can help those who have had to leave Dubai with debt. 

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Hi there. Read this article 

https://www.thenationalnews.com/business/money/the-debt-panel-how-do-i-resolve-my-uae-debts-after-11-years-1.1074585

 

each time and each bank you owe money to be sure to get in touch with central bank first off. There are many things happening in the background to assist you further. 

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you IGNORE IDRWW

only deal with the bank who is?

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

  • dx100uk changed the title to IRDWW Chasing Emirates Islamic Loan Debt
Quote

So what happens with IDRWW? can they ultimately take legal action?

 

Only if they buy the debt and its been legally assigned to them.

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 OTHER

 

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As you are aware, we are a debt recovery agency and we have been instructed by our client, Emirates Islamic Bank PJSC in the Middle East to deal with the following outstanding account(s)

 

Does this mean they haven't 'bought the debt'?

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Quote

we have been instructed by our client Emirates Islamic Bank PJSC

 

Ambulance chasers60197-200.png

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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21 hours ago, dx100uk said:

but what you must do is write to IDRWW stated client

the bank xxxx 

 

and inform them in writing of your correct & current address to avoid a backdoor CCJ.

 

is the only thing you need to do. to Emirates Islamic

 

and ofcourse read ALL the threads i pointed too

them you'll be informed correctly

not be making silly guesses upon what a powerless dca cant ever do..like repo etc etc.

 

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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Exactly DX. My first contact from Mr Coyle was a long time back in 2014 knowing full well at that time CWD could not do anything hence IDR was set up to try the same thing but again failed. 

THey have not purchased the debt and I have all this in writing and they never will unless it’s with their while and it’s not even been passed through the courts. 
 

if it plays on your mind like it did me back then but with around 9 DCAs in Dubai chasing me also which was horrific but I learnt how to fight back as they are really bad then just find the contact for the bank and talk to them. That’s up to you. 
I owe 4 banks and that’s where I am at the moment after 11 years. 2 of them I have had some success but the other forget it they don’t understand that if they would have listened to me back in 2014 then they could have been having regular payments of £10 or so which is something. 
 

also they offer settlements from time to time which makes me laugh in Dubai to clear your debt. All my debt has been written off already and is sat with collection in Dubai so no charges etc 

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4 minutes ago, HunkyJunky said:

IDRWW have already sent a letter to my home address, can I take this as updated then?

 

for what?

 

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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Sorry i thought you had moved.

You still need to only deal with the bank directly should you wish to deal with this.

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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underp04 I have created your own topic......please post here.......

 

IRDWW Court claim Emirates 2 x credit cards

 

 

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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what part of ignore them are you not understanding??

 

 

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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