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UAE Debt ADCB


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Hi,

 

I accrued some credit card debt with ADCB when I was in the UAE in 2015.

 

I left the UAE in Dec 2015 and was not in a financial position to pay the debt. I believe the cc debt was around 20,000 AED.

 

A couple of years ago I received emails and letters from CWD threatening. I ignored and they stopped writing. Recently I've started receiving three final demands from trustdc.ae saying I owe 49000. The latest one offered a settlement at 20,000.

 

I haven't been living in the UK since 2017, and am currently residing in Spain. it's possible I won't return to the UK anytime soon, possibly never on a permanent basis.

 

However, I don't want to get a CCJ against me. Now I know I should ignore the DCAs but should I make the Abu Dhabi bank aware of my current address ( I suppose I can give them my parents address, which they probably have as my address on file), or should I tell them I'm not resident in the UK anymore?

 

Any advice would be much appreciated. 

 

Thanks.

Edited by dx100uk
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What address are these letters to and by what method?

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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Hi,

 

The CWD letters two years ago went to the UK address I had registered with the bank when I was in the UAE, this is my parents address . The emails I've been receiving recently have been from a UAE Debt chaser, and haven't stated any address. 

Edited by dx100uk
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Write to ABCD simply giving your overseas address and keep them updated if you move around, and if you wish inc proof of long term residency abroad.

you are 1000% safe to ignore any emails from anyone.

 

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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Of course.

 

Not a lot anyone can do regarding the debt but no harm in bolting people firmly in their pens.

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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And if you move around always keep the Bank updated of new addresses in writing.   Limitations period for credit debts is 15 years in the UAE, so plenty of time for them to try to enforce the debt. 

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1 hour ago, unclebulgaria67 said:

And if you move around always keep the Bank updated of new addresses in writing.   Limitations period for credit debts is 15 years in the UAE, so plenty of time for them to try to enforce the debt. 

Ah really thought I read it was 10 years. 

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