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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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UAE Debt - initial contact and debt management companies


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Hi! 

have read through many of the forums here which is massively useful.  
 

Broadly my situation is similar to others here, I have a loan and CC in the UAE and am now back in the UK.  Contact has not yet started and my accounts are still up to date, which will change within the next momth. 
 

I hd originally planned to try and work with one of the "specialist" firms in the UAE to propose a restructure arrangement but i'm now not convinced this is a good idea havimg read the other forums.  Any thoughts appreciated.  
 

Based on info in other threads, I will write to the bank and provide an update of my address and simply request they provide guidance on how to work with them to discuss restructuring etc and see how / if they respond.  Any advice here also appreciated.

 

I'd hoped to avoid legal action / travel bans etc, though appreciate that may be fairly

impossible particularly initially.

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Yes write to Bank with UK address and ask what help is available. Keep it fairly basic in detail.

 

E.g. please note my UK address for all future correspondence regarding  accounts xxxxxxx.  Please supply me with information regarding the financial assistance you are able to provide your customers, to prevent them suffering financial hardship.  Are there any special arrangements to help deal with financial issues caused as a result of the Covid-19 pandemic ?

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3 hours ago, Jimmy Francis said:

I'd hoped to avoid legal action / travel bans etc, though appreciate that may be fairly

impossible particularly initially.

travels bans,,,,,not heard of them doing that in a good few years now, and they have to instigate and win a UAE base court case first. i believe interpol or whomever etc forced all the UAE banks to stop practicing these measures for mere joe public under human rights or something. was a good 2-3 yrs ago.??

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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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Ah ok, that’s good to hear.  I thought they could potentially move quite swiftly by depositing a security cheque and then pursuing a case via courts to at least get a travel ban etc.  However, a lot of that is based on reading old articles online, some of which may be spurious / old.  

 

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and purposefully written by sites that want your money for 'advice' and scam you into paying them and various 'people' to avoid court etc...where as we are free....

 

its also worthy to note that many 'wins' by the uae banks are patsy people being paid more than they supposedly owe to allow it to happen and gander people reading to wet themselves and blindly cough up. we certainly know these 'security cheques' and the resultant millions in interest are typically wiped by the original banks if you wanted to deal directly with them. 

 

but most certainly never correspond with anyone bar the original bank ever unless/until you ever get a letter of claim or alike .

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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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