Jump to content


FGB/IDRWW PAPLOC - old UAE Credit Card Debt - scotland


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 183 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I also just received a letter from them. It went to my old address (I recently moved 2 months). I managed to get the letter as the new tenant kindly messaged me about recent mails so I went to collect them.

 

I live in Scotland and it has been more than 5 years since payment stopped. Am I right this is now statue barred? Should I inform IDRWW of my new address?

Link to post
Share on other sites

No not sb'd

 

Please create your own topic by hitting create or + in the top red banner

 

Dxf

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... 

Link to post
Share on other sites

Yes inform the UAE Bank and IDRWW of your new address.

 

Just state your new address, don't mention there being any debt and don't sign with a signature. Just type your name.

 

Foreign debts can be enforced in UK.  But they mostly rely on people not providing current UK address so they can have Court claims sent to old address or people don't deal with Court claims when received.  All about them gaining judgement by default as not defended.

 

Add a new thread telling us about your own debt and circumstances.

 

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

Hi all,

 

As stated in another topic, we have moved to a new home. IDRWW has recently sent a letter to my old address and luckily the new tenant of our old place managed to give me the letter.

 

As the moderators suggested I should inform them of my new address with just my name (not to mention any debt and with no signature). I plan to send them a recorded letter. My question is what is the guarantee that they will not send a court claim to my old address?

 

Thank you so much for your help.

Link to post
Share on other sites

It is having a record of notifying them of your new address.

 

If they got a Court judgement using your old address, when they had your new address, you would apply to have the judgement set aside, which would enable you to receive a Court hearing where you could defend.

 

I cannot remember seeing any UAE debts being subject to Court action in Scotland, as I think it is more difficult than England/Wales.

 

But you need to keep an eye out for any letters and always open/read.   Come back for advice if they are advising that they will be starting any Court action.

 

*** Very important -  Make private any social media accounts, such as Facebook, Linkedin.  Be careful, if you are contacted via social media, as it is not unknown for debt collectors to make contact using social media accounts in an attempt to embarrass people. ***

 

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

ignore irdww etc totally...their letters all say 'our client' xyz.

send any new address notification to their client the original bank

no need for recorded 

simple 2nd class post with free proof of posting from any PO counter will do.

 

there are no recorded cases of Scottish claims being raised by banks for old UAE debt , there are far tighter jurisdiction rules etc within the scottish court system than the E&W one, that we see these claims to date raised in. there is also no pre action action protocol system.

 

bottom line is until/unless you actually get a writ served on your person to person by the court sheriff officers (which again in scotland is a must, unless under exceptional circumstances) you are quite safe to ignore everything. but DO keep the original bank updated upon your correct and current address, i believe the SB timings are 10/15 years for card/loan/bank OD debts.

 

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... 

Link to post
Share on other sites

  • 4 months later...

Hi,

 

Hope it is ok to post in this thread. Similar issue with IDRWW. Debt from FGB left back in early 2016. No transaction since then.

I live in Scotland. Is this now statue barred?

 

I have received letters from IDRWW since August 2021 (roughly twice a month) and I have ignored them all the time. Their most recent letter states the following:

"Unfortunately, you have still not engaged with us with a view to resolving this problem. As such, we have now recommended to our client that your account should be referred to solicitors for legal action".

 

Do you know what I should do next? Thank you.

 

 

Link to post
Share on other sites

Hi, pretty similar situation here, although not many letters. 
I don’t think it is statue barred, UK law states 6 years but UAE is 10 or 15 years. 
I’m just in the process of completing my response to the PAP they sent…it’s making me ill worrying but good advice on here 

Good luck 

 

Edited by dx100uk
unnecessary previous post quote removed
Link to post
Share on other sites

 posts moved to your own thread

please keep to this one rather than posting on other peoples threads.

 

i refer you to post 6 ...you are in SCOTLAND!

 

 

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... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...