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Hi

I have a couple of credit card debts from Dubai, one of which I'm getting hassled about via email by IDR.

 

They said they got my email details via a credit agency....(its the same email as the bank would've given them!)

 

my thought is, that really we're in a stalemate. I have no assets and work as a freelance (ie they cant take any wages if it came to it)

therefore why would they spend cash as its not their debt, to take me to court. and on top of that what would it achieve?

 

Im sure im being simplistic but what have I got to actually fear?

 

Thanks in advance

dubai 5-0

 

 

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nothing....

 

other than insuring their client is informed by you of your correct and current address in writing.

 

 

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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thanks for the reply dx. I can send a letter to the UAE direct to the collections department. You never know with these places they are so poorly organised. You'd recommend this rather than sending it to IDR?

Also what evidence should I retain of this?

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I’m sure the guys will be in touch shortly but do not pay a penny and wait for advice 

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send a simple letter ref the A/C number only informing the BANK of you correct and current address.

 

you ignore the powerless DCA until/unless you get a letter of claim.

 

plenty of like threads to read here on CAG to read.

our search is top right in the red banner 

 

 

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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many thanks DX I will do follow this advice. 

 

one comment on what I've read on here. IDR  / the banks seem to rely on the non exclusive jurisdiction clause. However surely that would mean once its been through court here, it would no longer be active in UAE. Of course that is not how they work ie they would go for both UK and UAE if you ever returned. Is there not a way of highlighting and fighting there use of this clause on that basis?

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not seen it.

think you are over thinking things 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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Doesn’t mean anything if it’s not been passed through the correct procedures in the UAE and through central bank. Listen to DX they don’t own the debt !! The debt is still with the banks 

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Hi Dubai 5.0,

 

I've read all the threads on this as I'm in the same boat myself, however, I'm not a UK resident/citizen and have never lived in the UK (currently in Oz) so they can't really do anything.

 

They have however, bankrupted a good few people that do live in the UK. Search the bank names below and you'll see a few dozen but given the amount of people that left the UAE with debt, this is a tiny minority. 

https://www.thegazette.co.uk/insolvency

 

If you have no assets, you have no worries as the court costs are expensive, especially if the chance of recovery are low. Just bear that in mind down the road if you were to buy a house in your name, you might be worth coming after. If your debt was low, I'd just try to settle it with the UAE bank (they will usually knock off all the added interest).

 

If your debt is large, however, like mine, best to ignore them and wait out the 10/15 years statute of limitations.

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Posted (edited)

Looking through my old emails (I hadn't received one from IDR for a while and assumed they'd just gone quiet) and I notice that I'd received a couple direct from the bank in dubai making offers with discounts etc. does this suggest IDR handed back the account or am I reading too much into it?

 

previously when the bank stopped sending me mails was when I started receiving them from IDR

Edited by dubai 5 0
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On 08/03/2021 at 12:31, dx100uk said:

send a simple letter ref the A/C number only informing the BANK of you correct and current address.

 

you ignore the powerless DCA until/unless you get a letter of claim.

 

plenty of like threads to read here on CAG to read.

our search is top right in the red banner 

 

 

 

as long as both of you have done as above

i would be blocking and bouncing all emails 

 

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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