IDRWW contacting on behalf of FAB bank Credit Card DEbt

[ExDxb]

@Brazzer69did you have to go through the same situation? How was it resolved?

[Brazzer69]

No, my debt is far more than yours, however, I’m not a UK citizen nor have I ever lived in the UK therefore I’m not subject to the UK courts.

 

Here in Australia, I can ignore IDR.

[ExDxb]

Are they still chasing you or have they stopped? If still, How long have they been doing this for?

 

[Brazzer69]

They (IDR) stopped for a few months but I get the odd email every month. Basically just old emails resent. Safe to ignore. Chasing 3 years now.

Edited April 21, 2022 by Brazzer69

[ExDxb]

Few months? So it’s been going for quite some time.

Which bank are they representing?

When did you leave the UAE?

 

@dx100uk any view with regards to the amount?

[Brazzer69]

Yes 3 years chasing, left in 2018.

[dx100uk]

as this is a card debt, effectively they have 10yrs (till statute barring) from your last use or payment of the card under UAE law and sadly that thus translates to possible UK court attempts

 

TBH as with all these cases whereby a UK asset is involved and you are the sole owner, it could give them a target, but not its sale but security of any judgement they might get, it's always worth simply keeping in contact with the OC , but ignore anyone else unless you get a letter of claim, or a statutory Demand attempt. or a court claimform.

 

none should be ignored and all need to be acted upon FAST

 

an SD has an 18days reply time limit - IF they ever do send it to a court, but they also use them as a bluff too with no intention even sending it to the court. sadly the forms can be download by anyone and sent as a threat 

 

the same goes for a letter of claim, doesn't mean they are going to court, could be a bluff.

 

write to the bank, see if they do a very low F&F closure offer or token payments IF you like, pers i know what i'd do....write with address , let it run.

[ExDxb]

Sorry @dx100uk what do you mean by OC and F&F?

 

also what do you mean by write with address and let it run? Try and contact the last point of contact from the bank that sent me an email and negotiate a payment plan? 
In his last email he left his phone number. I know you said to not email but how is snail mail meant to work?

[dx100uk]

original creditor, full and final.

 

just inform the BANK of your correct and present address.

then let things run.

 

see what happens

 

or 

you could try and negotiate a payment plan or F&F with the BANK by WRITING ONLY

so you have a papertrail.

 

ignore IRDWW etc unless LOC comes.

 

dx 

[ExDxb]

So informed the back of my address last Friday. Never heard from them back.

got email and letter from IRD quoting an inflated figure and that I should get back to them in 14 days if I think the number is inaccurate otherwise there will be legal action

[dx100uk]

bet it doesnt say WILL anywhere.

 

Dx

[ExDxb]

The exact text says:

if for any reason you believe you are not indebted on the above account or any of the information we hold is incorrect, you must let us know immediately to avoid action being taken against you.

 

please note that under the local law which governs this pending agreement, our client may continue to add contractual interest, fee and charges to your liability. If solicitors are instructed, these additional fees will be sought.

[unclebulgaria67]

You could email them back stating that you are in contact with the Bank directly and won't engage with unknown third parties as a fraud prevention measure.

 

 

[dx100uk]

In otherwords it says a loads of bs.

 

Dx

[ExDxb]

So what’s the form of action? Contact the bank again?

or reply back as per unclenilgaria?

[dx100uk]

you wrote to the bank and sent email too?

 

or just wrote?

 

safe to ignore the willy wavers until/unless you ever get a letter of claim.

deal only with the bank if you wish to do anything

 

dx

 

[ExDxb]

I only replied to the banks last email. Not yesterday but the Friday before. Requesting them to deal directly with me and not through a third party. But they never responded. 
only this week I get both an email and a letter by post from them Willy wavers. 

[dx100uk]

As I said from from the start 

You write then you have a paper trail.

 

Email is not good enough on its own as evidence.

 

Dx

[ExDxb]

Fair enough.
I’ll send them a snail mail as well. 

with my postal address.

vut what should I do with the current comms from IDR? Ignore despite the warning?

[dx100uk]

there is no warning...........

[dubai 5 0]

the words in your letter are identical to several of my letters...dont worry its just copy and paste.

 

they have pick and mix templates....

 

and they've disappeared from hassling me ( no emails for a year now)

Edited May 2, 2022 by dubai 5 0
correction

[ExDxb]

hi @dubai 5 0 did you try to reach out to the original creditor and attempt negotiation?

how long ago did it start?

[dubai 5 0]

Initially yes and gave up pretty quickly as they're not interested.

had some standard mails from IDR which dried up.

that's about it - had some mails and a couple of letters from another one fishing as well

I haven't spoken to any of them.

[ExDxb]

hi @dx100uk

"you must let us know immediately to avoid action being taken... " does sound like a warning. wouldn't you say?

 

"under the local law which governs this pending agreement,..." which local law?

 

 

"our client may continue to add contractual interest, fee and charges to your liability. If solicitors are instructed, these additional fees will be sought." they have already inflated the number. this sounds like a warning too.

 

@dubai 5 0 did they try to call you?

[dubai 5 0]

no