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2 UAE Card Debts - now a letter of claim from J&P


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Hi

I have a couple of credit card debts from Dubai, one of which I'm getting hassled about via email by IDR.

They said they got my email details via a credit agency....(its the same email as the bank would've given them!)

my thought is, that really we're in a stalemate. I have no assets and work as a freelance (ie they cant take any wages if it came to it)

therefore why would they spend cash as its not their debt, to take me to court. and on top of that what would it achieve?

Im sure im being simplistic but what have I got to actually fear?

Thanks in advance

dubai 5-0

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nothing....

 

other than insuring their client is informed by you of your correct and current address in writing.

 

 

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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thanks for the reply dx.

 

I can send a letter to the UAE direct to the collections department

 

. You never know with these places they are so poorly organised. You'd recommend this rather than sending it to IDR?

 

Also what evidence should I retain of this?

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send a simple letter ref the A/C number only informing the BANK of you correct and current address.

 

you ignore the powerless DCA until/unless you get a letter of claim.

 

plenty of like threads to read here on CAG to read.

our search is top right in the red banner 

 

 

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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many thanks DX I will do follow this advice. 

 

one comment on what I've read on here. IDR  / the banks seem to rely on the non exclusive jurisdiction clause.

 

However surely that would mean once its been through court here, it would no longer be active in UAE.

 

Of course that is not how they work ie they would go for both UK and UAE if you ever returned.

 

Is there not a way of highlighting and fighting there use of this clause on that basis?

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not seen it.

think you are over thinking things here.

 

 

 

 

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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Doesn’t mean anything if it’s not been passed through the correct procedures in the UAE and through central bank. Listen to DX they don’t own the debt !! The debt is still with the banks 

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Hi Dubai 5.0,

 

I've read all the threads on this as I'm in the same boat myself, however, I'm not a UK resident/citizen and have never lived in the UK (currently in Oz) so they can't really do anything.

 

They have however, bankrupted a good few people that do live in the UK. Search the bank names below and you'll see a few dozen but given the amount of people that left the UAE with debt, this is a tiny minority. 

https://www.thegazette.co.uk/insolvency

 

If you have no assets, you have no worries as the court costs are expensive, especially if the chance of recovery are low. Just bear that in mind down the road if you were to buy a house in your name, you might be worth coming after. If your debt was low, I'd just try to settle it with the UAE bank (they will usually knock off all the added interest).

 

If your debt is large, however, like mine, best to ignore them and wait out the 10/15 years statute of limitations.

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Looking through my old emails (I hadn't received one from IDR for a while and assumed they'd just gone quiet) and I notice that I'd received a couple direct from the bank in dubai making offers with discounts etc. does this suggest IDR handed back the account or am I reading too much into it?

 

previously when the bank stopped sending me mails was when I started receiving them from IDR

Edited by dubai 5 0
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On 08/03/2021 at 12:31, dx100uk said:

send a simple letter ref the A/C number only informing the BANK of you correct and current address.

 

you ignore the powerless DCA until/unless you get a letter of claim.

 

plenty of like threads to read here on CAG to read.

our search is top right in the red banner 

 

 

 

as long as both of you have done as above

i would be blocking and bouncing all emails 

 

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... 

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  • 1 year later...

I have two cards which im in large debt to. One is emirates nbd which iDR disappeared from hassling me probably as I have no assets

 

im now being chased by another JandP. the amount has doubled, I have little interest in dealing with this one.

 

Thing is

my other card , the bank in UAE have been contacting me saying moriarty will get in touch.

 

Moriarty haven't said anything and that was said to me in march.

 

Now the bank are offering to give me a payment plan minus interest (they haven't been adding any on anyway which is quite decent of them)

Should I get in touch to find out more?

Can I get in touch to find out without giving them some rope to hang me with?

 

or should I just hang tight?

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  • dx100uk changed the title to Dubai Debts - 2 credit cards

old and new threads merged

 

i would hope this is by writing and not email?

 

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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so you havent implemented the advice regarding email comms given 6mts ago then?

did you write to the bank giving your address now?

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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yes you can

gotto your the webportal for your email and log in and do it there.

 

you are not legally required to respond nor read any email comms.

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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  • 3 months later...

Hello all,

I've been on here before with regards my credit card debt and have now received a pap loc letter from J and P. obviously there is a great deal of interest added on.

I will download the reply letter that is on here but what reason can I give for the dispute?

Thanks in advance.

 

 

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There is not one.

Use the default there already.

 

When did did you last pay or use this card?

 

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... 

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Ok so years away from statue barred.

 

Not seen any UAE court claim involving JP I don't think.

 

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... 

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