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

[dxb.aue]

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?

[dx100uk]

No not sb'd

 

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Dxf

[unclebulgaria67]

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.

 

 

[dxb.aue]

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.

[unclebulgaria67]

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. ***

 

 

[dx100uk]

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

 

[dxb.aue]

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.

 

 

[Lil21]

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 February 7, 2022 by dx100uk
unnecessary previous post quote removed

[dxb.aue]

I have not received PAP yet - you must be ahead of me. I will read more of that in this forum.

[dx100uk]

 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!