IRDWW Chasing Emirates Islamic Loan Debt

[rgaine]

Hi there.

I did not contact any debt collection agencies in the UK.

 

I had about 7 of the Dubai ones attacking me every week over phone email etc and this is how my wife found out they called her in her work!!! Absolute madness. This was back in 2012.

 

Over the years I have learnt how to deal with them and now they don’t contact me as much and when they do I report them to the central bank. They are rude and break all laws possible. 

 

Mr Coyle of CWD first got in touch in 2012 also and this is when I realised that UAE banks will try to use UK companies using this no exclusive blah blah jurisdiction which is just total nonsense. Sure they sent me the usual standard letter but I did not reply to that.

 

I set up my own email address to keep track of the ruthless collectors in Dubai and now Mr Coyle and I went straight to the FCA and the SRA to enquire and complain.

 

There is nothing they can do as the debt is still owned by the banks and central bank told me the same. The debt has to go through the courts in the UAE and then be bought by the firms here. Most will not do this as it’s not worth it so they bully you on behalf of the banks to try and take what they can. 

 

I just told Mr Coyle either take me to court and I’ll bring all my evidence with me to show you and the courts what’s going on behind the scenes or stop bullying me with stupid letters and even trying to call me at work breaking debt collection laws. They are not even Debt collectors they are solicitors. 

 

This is when to my amazement in 2014 I think IDRWW was set up by none other than Mr Coyle - crazy !!! And they were and still are using a solicitor Mr Letheren to act as a Debt collector also which is just laughable and absurd. I complained again to FCA and SRA and told Mr Coyle this and not heard anything since. 

 

They are bully boys trying to get away with something that they know companies like stepchange, citizens advice etc know nothing about debt in Dubai even though they put in there letters to seek advice. What a lot of rubbish because they don’t know how to deal with it. 

 

I deal with the bank I owe money to simple as that and I contact the right person by email to keep records and try to negotiate. It takes a while but slowly will get there. 

 

1 hour ago, HunkyJunky said:

Also how did you get in contact with the banks in Dubai? I can't find any proper contact email

LinkedIn. Twitter etc find the highest person and get them to find the right person.

 

Also I complain to them also it’s really if they know what there agents are actually doing and tactics they use 

[HunkyJunky]

That is very comprehensive thankyou.

 

So once you told IDRWW that they cannot pursue you and that you would complain, they left you alone?

 

I spoke with citizens advice and they said to try come to an arrangement with IDRWW, either a lump sum settlement of a payment plan.

 

I haven't replied to any of IDRWW's emails as of yet

[rgaine]

Each case is different I guess I’m not sure but yes. Sorry but I don’t agree with CA. 

 

The article I posted from The National says also that if they are to pursue you here then you are afforded the laws of the UK for debt collecting which they just adhere to. Something IDR and CWD have not done with me. 

[HunkyJunky]

Hi rgaine

 

Did they ever request your expense and earning details along with statements etc? did you give it to them and what was the response?

[dx100uk]

They and them..who are you talking about?

[HunkyJunky]

IDRWW

[dx100uk]

Can't keep saying this..

You ignore irdww totally

The only time you might ever have to reply to them is if you ever get a letter of claim.

 

Deal with the bank directly.

 

Dx

[rgaine]

Yes listen to DX don’t deal with them at all only the banks. IDR did try this with me and I told them where to go that once again it’s the bank that own my debt and I’ll deal with them thankyou 

[HunkyJunky]

On 10/02/2021 at 12:05, HunkyJunky said:

That would be very helpful

Hi underp04, did you get a response from him?

[dubai 5 0]

keeps ignoring us.....

[HunkyJunky]

Can he prove that? Is it documented somewhere?

This is what I'm relying on to stop the UK debt collectors contacting me, still trying to find the appropriate contact in Emirates Islamic Bank though

[rgaine]

I would question everything trust me

 

I did the same for one year (one year being every time I questioned them they took ages to come back to me )

I even have Mr Coyles email if you wish to message him direct and tell him your thoughts in a pleasant manner 

[HunkyJunky]

are we allowed to give contact details here?

It would be much appreciated though

[rgaine]

Oh I’m not sure this would be up to the site admin but I’m happy to share an email address if allowed I have nothing to hide and lots to share to help the cause if needed after going through this since 2010!

 

And don’t get me wrong I know firms have a job to do but follow the rules and the law and don’t try and pressure people into paying something that you don’t own and you cannot give straight answers 

[HunkyJunky]

Please would you share his email?

 

Did they ever ask for your financial details also so that they could work out how much to get from you?

 

rgaine

what happened to your last post?

[dx100uk]

posts moved to unders thread

shouldn't be posting here but their own thread.

 

 

 

[dx100uk]

2 hours ago, rgaine said:

Oh I’m not sure this would be up to the site admin but I’m happy to share an email address if allowed I have nothing to hide and lots to share to help the cause if needed after going through this since 2010!

 

And don’t get me wrong I know firms have a job to do but follow the rules and the law and don’t try and pressure people into paying something that you don’t own and you cannot give straight answers 

 

there is no harm in sharing its not that its not already in the public domain.

its will be on their website i'm sure

[rgaine]

Thanks DX. 
[email protected]

 

here we go 

 

[HunkyJunky]

Hi all

 

I finally managed to get in contact with Emirates Islamic Bank Recovery Department and after a lot of dead ends they have come back with "Once we have passed the case to a UK debt collection agency we cannot deal with you directly"

 

what do I do now?

I have received 5 letters from IDR as well as emails and texts, what option do I have other than to contact IDR?

 

Any help would be appreciated

[rgaine]

The same for me many times over. My reply was they do not own the debt and the debt is still with you the banks and until they have purchased the debt I will not be communicating with them. 
 

I will also inform central bank of the same that you aren’t willing to communicate. 
 

Keep on like this and I even ccd IDR also nothing to hide and be transparent. They will get the message 

[HunkyJunky]

Do you have the details of the person you communicated with in the central bank? 

[dx100uk]

5 hours ago, HunkyJunky said:

Do you have the details of the person you communicated with in the central bank? 

 

On 21/02/2021 at 14:53, rgaine said:

Thanks DX. 
[email protected]

 

here we go 

 

 

[HunkyJunky]

7 hours ago, dx100uk said:

Hi rgaine thanks for that, how about the central Bank UAE?

 

[rgaine]

Hi there. Firstly I just went online and did it and then got in touch with an agent to document everything 

 

the article I wrote in the National was good also and here is an extract from that 

 

“Aim to contact the most senior person you can find from the bank first. Go to them with a plan but also make it clear that you are not going to accept them ignoring you or refusing to cooperate with you. If talks break down, be sure to let them know that you intend to complain to the Central Bank of the UAE.

 

Next, talk to the Central Bank's Consumer Protection Department and see if they have any recommendations. They may agree that the banks have been unreasonable. They may also be able to guide you through the new insolvency proceedings in the UAE. However, going through the UAE courts may require returning to the country and this is probably not recommended. You should also consult a legal firm in the UAE that specialises in people with debt problems.

[HunkyJunky]

Hi

 

I have received an email from IRDWW stating that they will now instruct their legal team to pursue me, i have received 6 letters up to this point.

I feel that I should contact them with the following:

 

Dear Sir/Madam

 

Please can you provide a copy of the alleged debt with the original financial agreement document that exists between Emirates Islamic Bank and myself, in English.

 

All terms and conditions relating to the account must be supplied in English.

Copies of all statements of accounts with any attached notes in English.

Copies of any default notice and termination notice in English.

A copy of any legal documentation that evidences that Emirates Islamic Bank has authorised IDRWW to contact me in regards to this alleged debt.

The contact details of the Emirates Islamic Bank representative.

 

 

Please let me have your thoughts