Jump to content


IDR Legal - Dubai First Credit Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 98 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

I received the letter and annex's in the attachment today. I have scanned the letter, Annex 1, First page of Annex 2 and the first page of Annex 3. In addition there was an application form, terms and conditions (printed from an archive or web page) and a statement of account.

 

I can also advise that the debt was circa AED90k and is now over AED700k.

 

I left Dubai at the end of 2014.

 

I am unsure if I need to do anything with these documents.

 

 

Letter of Claim.pdf

Link to post
Share on other sites

Topic moved to Overseas Debt/Overseas Account issues Forum

 

Please continue to post here.

 

Andy

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 The National Consumer Service

 

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

Link to post
Share on other sites

Thank you. I understand I need to complete the PAP in the thread below as per the instructions. Has there been any changes?

 

 

 

Link to post
Share on other sites

Has IDR sent you the PAP response pack ?

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 The National Consumer Service

 

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

Link to post
Share on other sites

Posted (edited)

Kind of.

If I click on the PAP link in your email they have sent pages 7 onwards.

They have not provided the introduction, just Annex 1 onwards.

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

Good enough

 

Reply as post 5 states in letter of claim thread

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

In relation to your request for documentsinformation please see below our responses.pdf

 

I received the response back as attached. I received a copy of the application (shown in the attachment), the terms and conditions from some form of web archive and a printed transaction statement. 

 

Original signed finance agreement together with the terms and conditions IN ENGLISH
Any notice of change in account terms and conditions that were ever issued since credit approval
Any notice of default or UAE equivalent that was issued by the original creditor
All and every statement of the account including how any interest has been calculated.

Proof that UAE Court Judgement has already been gained upon said debt.
Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and

/or issue court proceedings concerning a UAE debt. The UAE is not a 'member state' .

 

That is all I have. Do I now wait and see how they respond?

Link to post
Share on other sites

thats an blank application form is it not?

 

 

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

but its still an application form not a signed credit agreement

 

if you read a good few like threads here you'll see and absorb useful information.

 

we need everything they have sent to date please that claims to be relevant to their case of this is enforceable.

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

I am proactively reading and will get round to uploading every page of the documentation by the middle of next week.

 

thanks for your input so far.

Link to post
Share on other sites

yep good

yours is not the next move.

 

stick to reading here.

elsewhere is populated with advice from patsy people paid to take a hit on these debt or scam you out of money to 'win' cases which never happens.

 

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

urm..wonder why they are offering a discount if they are sOOO confident....

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

The most interesting part of this is the discount is 30% higher than the actual amount without all of the interest charges.

Link to post
Share on other sites

  • 1 month later...

Life is a bit manic so I haven't gotten round to updloading the paperwork. I can confirm that I haven't heard from IDR since March 23rd.

Link to post
Share on other sites

This is interesting it looks like they have sent out the pap to force a reply .

 

Am I right in thinking that by replying to the pap you are acknowledging the debt and the statute time is reset. 

What happens if you ignore the pap has anyone tried this.

 

Just looks like a new harassment tactics to me.

Especially when it is followed up by a settlement offer.

Link to post
Share on other sites

no and no. you cant reset anything simply by writing unless you were dumb enoght to state i owe you this money and agree i do and signed it...:frusty:

 

they'll try for a backdoor CCJ esp if your last address that you informed their client of IN WRITING is a differing one from now or you've move around in the UK.

 

no its part of the 2015 pre action protocol the must abide by .

 

you really should create your own topic

you seem rather green.........

 

 

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...