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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
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IDR Legal Chasing Emirates NBD Debt


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Hi All,

 

Sorry for jumping on this forum, however looking for some guidance as I am back to being harassed by IDR/IDR Legal…

 

Summary is I left Dubai in 2015, unfortunately leaving behind an Emirates NBD credit card, (had to leave due to family). I was soon contacted by Emirates NBD regarding the alleged debt, (I was careful not to admit liability), and then they went quiet… circa 2016 CWD showed up – done what was recommended by various sites and also a former colleague, ignore it. Only deal with the bank. Emails to the bank to discuss the alleged debt went unanswered. 

Eventually CWD went quiet, passed to IDR, then they went quiet, then in Nov 2022 I received an email from IDR

 

Dear NAME,

Emirates NBD PJSC, Unique Identification Number – BLAHBLAH

We act on behalf of Emirates NBD PJSC to recover the outstanding debt that is owed by you to our client.

We recently sent you a communication regarding your outstanding account(s).

As we have not heard from you, we are sending you this reminder.

You have 7 days to respond to this letter. You can contact us by:

Calling us on 01494 911099. Our opening hours are Monday to Friday 9am to 5.30pm.
By post. Our address is The Island, Moor Road, Chesham, HP5 1NZ.
By email. Our email address is 
solutions@idrww.com

It is important that you contact us within this timeframe. Failure to do so may result in the bank escalating your account for non-payment to review further action that may be taken to recover the full outstanding.

We look forward to hearing from you.

Yours faithfully

IDR

 

Again, ignored this… I did note that in none of the emails previously the amount of the “debt” was not stated…

 

 

Then on Christmas Eve, and again last week, I received the following exact same emails…

 

Dear NAME,

Emirates NBD PJSC, Unique Identification Number BLAHBLAH

You have ignored our last letter about the collection of the following account(s).

CARD    XXXXXXXXXXXXXXXX        Dhs 394,954.02

You also ignored correspondence from our predecessor, International Debt Recovery Limited (IDR).  Ignoring us is not a wise choice.


As you know our client has instructed us as follows:

1.      To allow you another three weeks to agree an affordable means of meeting your liability; failing which
2.      To serve a Statutory Demand upon you under Section 123(1) (a) of the Insolvency Act 1986; with a view thereafter
3.      To petition for your personal bankruptcy under Section 265 of the Insolvency Act 1986

Our primary intention is NOT to subject you to a Bankruptcy Order.  Our intention is to understand your circumstances and agree a new method of repayment which is both realistic and affordable to you.  Please contact us IMMEDIATELY to discuss.  We remain available Monday to Friday between 9am and 5.30pm on 01494 911099.

Our ability to help you find a solution which sees the above liability either discounted, or paid over a lengthy period of time, is soon going to be restricted by our client.  This collection process is going to be escalated quickly, on the very specific instructions of our client.


We look forward to hearing from you as a matter of some considerable urgency.

Yours sincerely

IDR Legal

 

I have not moved house in the UK since before I went to Dubai in 2013, and my address since I came back is the same. I am also resident in Scotland, and from reading other posts I understand that the jurisdiction aspect is different for Scotland…

 

Appreciate that this is IDR willy waving and hoping that someone falls for their threats, but my question is do I keep ignoring? Are there any risks with this approach? Any advice would be gratefully received. 

 

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Hey, my experience is exactly the same down to timelines, communications etc. I believe we’re now in the same position as to whether they will issue an SD or just trying to scare us. I have no advice as I’m in the same boat! I guess we keep each other in the loop x

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all by email

nothing 'legal' can be sent by that method.

 

so block bounce and ignore

 

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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  • 4 weeks later...

All - just to give an update... Still getting the slightly threatening emails and texts, emails are probably getting slightly more threatening... 

 

Dear NAME,

Emirates NBD PJSC, Unique Identification Number DXXXX

You have ignored our last three communications about the collection of the following account(s).

CARD    XXXXXXXXXXXXXXXX        Dhs Vastly Inflated Sum


You only have 7 more days to agree a solution to this longstanding problem.

As you know our client has instructed us as follows:

1.      To allow you just one more week to agree an affordable means of meeting your liability; failing which
2.      To serve a Statutory Demand upon you under Section 123(1) (a) of the Insolvency Act 1986; with a view thereafter
3.      To petition for your personal bankruptcy under Section 265 of the Insolvency Act 1986

If you want to avoid personal bankruptcy, please contact us IMMEDIATELY to discuss possible solutions.   For the next seven days only, the solutions can be driven (a) by our ability to negotiate discounts, and (b) by what you can afford to pay.  If you are adjudged bankrupt on the proposed petition of our client under Section 265 of the Insolvency Act, all control of this situation (for you, us, and our client) will be forfeited to the Official Receiver in the first instance and then, most likely, to a Trustee in Bankruptcy.

For the next seven days, we remain available Monday to Friday between 9am and 5.30pm on 01494 911099.

Yours sincerely

IDR Legal

 

************************************

And then today... 

 

Dear NAME,

Emirates NBD PJSC, Unique Identification Number D12345

You have ignored our last four communications about the collection of the following account(s).

CARD    XXXXXXXXXXXXXXXX        Dhs Big Sum of Money


Regrettably, the time prescribed by our client bank has expired.

Our client has now confirmed our instructions as follows:

1.      To serve a Statutory Demand upon you under Section 123(1) (a) of the Insolvency Act 1986; with a view thereafter (ABSENT PAYMENT OF THE DEMAND IN FULL)
2.      To petition for your personal bankruptcy under Section 265 of the Insolvency Act 1986

Your Statutory Demand is now being prepared for service upon you.

Our office is open Monday to Friday between 9am and 5.30pm if you have anything you want to tell us.  The number is 01494 911099.

Yours sincerely

IDR Legal

 

 

**********************************

 

This was followed up with a text which said... 

 

"FIFTH AND FINAL SUGGESTION FOR YOU TO CALL IDR LEGAL LIMITED ON 01494 911099"

 

Presume it was bad cop who sent the automated email, and good cop who sent the automated text. 

 

 

Still sitting tight... 

 

 

Edited by ex_dxb
Remove personal info
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block bounce all emails texts and calls,

bin them

 

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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