UAE debt IDR - Letter Of Claim

[Why Me101]

HELP! What to do if your being approached by IDR

[honeybee13]

Hello, welcome to CAG.

 

I've moved your thread to the Overseas debt forum and left a link to follow from the Welcome forum. People should be along to advise later.

 

Best, HB

 

 

[Why Me101]

Brilliant, thank you

[unclebulgaria67]

How are you being approached by IDR ?

 

Email or letter to your UK address ?

 

Details of the debt ?  Approx amount and approx date you defaulted, And type of debt ?  How did you enter into the debt ?  When did you last have contact with the UAE Bank ?

 

Do you have any UK assets such as property at risk ?

 

Foreign debts can be subject of Court claims in the UK. 

[dx100uk]

type in IDR in our search top right and read a good few 10's of threads here already too

 

dx

 

[Why Me101]

Yeh sorry guys, what it is without giving too much away.

After hours of trawling through new and old Q&A’s, some 7+ years old and many probably not applicable now?

But this firm IDR, are they a bonafide company?

Should I engage with them based on having a letter posted by first class only?

With no previous correspondence!

Dx100 you seem to be the guy that’s handled most of these questions (unclebulgaria as well) but firstly it was “don’t engage” then “foreign debt can’t be retrieved in the UK” to now it seems they can now pursue it but only if the debt is bought from a UK debt company?

I have no problem in owning the debt although the amount of interest is astounding!

Need to ask for further advice but my main couple of questions is:-

how do I go about this properly?

should I contact IDR?

how will I know if the monies will be sent to the bank?

who can I seek for advice on my situation?

is IDR nothing more than a scaremongering outfit?

dx, I’ve seen all your posts and I’m sure they have helped lots like me but I’m getting the feeling things have changed over the last couple of years?

sorry for the short reply but I’m traveling at present so need to respond better tomorrow. 

But honestly, I don’t want to give too much away as I might be even talking to IDR as we speak!?

 

cheers

[unclebulgaria67]

Numbers game. They cannot pursue all debts and it is always up to creditor owning the debt, whether they pay further costs to take it to Court.

 

As you reside in the UK, foreign debt owner can use UK Courts, but if you look like you would defend, they might not bother. If you have UK assets such as property, then they might be more likely to pursue.

 

Any reasons to dispute debt amount ?

 

Have the UAE Bank confirmed debt passed to IDR to chase on Banks behalf ?

[dx100uk]

1 hour ago, Why Me101 said:

but only if the debt is bought from a UK debt company?

UAE debts cannot be sold on.

 

1 hour ago, Why Me101 said:

how do I go about this properly? just ensure their client the bank you have informed them in writing of you correct and current address if you've moved around since returning to the UK> protect against backdoor litigation to an old address.

 

should I contact IDR? NO!! NEVER unless you get a LETTER OF CLAIM.

 

how will I know if the monies will be sent to the bank? - you don't which is why you ONLY have comms with the BANK!!

 

who can I seek for advice on my situation? - no-one you dont need it ,,, be VERY VERY wary of certain websites that have been around for years with wonderful testamony as to what they do for people. THEY ARE SCAMMER that sign you up to 30yrs of payment misery when you don't need to do it that way..NEVER NEVER NEVER use them or any UAE specialist scammers. they fleecer you blind and LIE!!

 

is IDR nothing more than a scaremongering outfit?  

 

dx

 

[Why Me101]

Gents, thanks for that .

Well they have sent a letter with my original contract and statements but not sure what a letter of claim should contain or even if this is something anyone can just write and send out?

They say it is, on their own headed paper! 

2019 was the last communication/payment at around 45k AED now it’s over the 120k. 

The thing is, after trying to communicate with the bank, there automated telephone system which you can never talk to a real person, password protected statements (which is the only thing they’ve ever sent) and lack of approach from the bank even though my email address and phone number is stated in the contract how can they just start now?

Back door litigation from an old address?

Not sure what that means dx? 

-unclebulgaria67 I’m guessing as they have all my details, statements etc then they have given IDR the right to chase this up? 

I do have a joint mortgage which is massive the bank pretty much owns the house and my car is all I have as an asset.

With that said I still would like to pay this off but it needs reviewing about the amount and also living on my overdraft for that last 6 months the payments will be small(ish!). 

I should contact the UAE bank and discuss with them directly.

Avoid IDR and see how it goes?

 

cheers again both 

 

 

[unclebulgaria67]

Back door litigation, means the creditor uses an old UK address for the Court claim and obtains default judgement, as the debt owner did not know about claim to defend.

 

I would suggest that you just write to UAE Bank confirming your UK address and that they will need to contact you at the address in writing regarding accounts xxxxxxxxxxxxx.

 

If IDR have not provided a letter from UAE Bank confirming they have authorised IDR to act on their behalf, then you don't have reason to communicate with IDR. For all you know they have managed to get hold of Bank papers and have written without Banks knowledge.

[Why Me101]

That’s absolutely brilliant and cleared up a lot for me.

Your comment at the end is exactly what I’m worried about.

I could be paying money to a third party and the bank knows nothing about it. 

This IDR seem a terrible outfit (reading on other platforms), but I don’t want to open up dialogue and get fleeced so to speak. 

Don’t want to sound thicker than the offspring of the village idiot and a TV weather girl but should I let IDR know I’ve approached the bank directly?

I’m just thinking if time restrictions here if they do try and pull a fast one?

I haven’t got any official letter from the bank to IDR stating such that they have IDRs go ahead, which makes me think it’s a bit dodgy. 

with there being so many scammers out there it’s hard to know what’s not?

is there anything else to consider like getting a solicitor involved who deals with financial issues?

cheers again unclebulgaria for your time

[dx100uk]

1 hour ago, Why Me101 said:

should I let IDR know I’ve approached the bank directly?

 

no 

1 hour ago, Why Me101 said:

is there anything else to consider like getting a solicitor involved who deals with financial issues?

not needed

12 hours ago, dx100uk said:

who can I seek for advice on my situation? - no-one you dont need it ,,, be VERY VERY wary of certain websites that have been around for years with wonderful testamony as to what they do for people. THEY ARE SCAMMER that sign you up to 30yrs of payment misery when you don't need to do it that way..NEVER NEVER NEVER use them or any UAE specialist scammers. they fleecer you blind and LIE!!

 

[Why Me101]

Thanks gents for this, although trying to get through to the bank is impossible!

I will need to get the bank’s address again and send another letter but I guess this will have a “no reply” reply. 

cheers again.

I’ll keep you posted on what’s happening. 

[dx100uk]

Look it up on the internet.

Don't email 

 

Write. By letter.

 

Dx

[Why Me101]

Thanks dx, are you aware if there’s recorded delivery services for the UAE?

[dx100uk]

no dont bother.

 

in law all you need is proof you sent the letter, you can get that from any po counter free.

 

[Why Me101]

Spot on, don’t know how you know all this but a massive thanks for your help. 
 

cheers dx

[dx100uk]

i read uae threads.

 

dx

 

[Why Me101]

Dx, just reading one of your replies you stated “should I contact IDR? NO!! NEVER unless you get a LETTER OF CLAIM.”

 

they state the letter is a letter of claim? Do you know what this should contain?

 

cheers, 

[dx100uk]

entitled  letter of claim with a 30day time limit and a reply pack wanting I&E details.

 

why you have one of those?

 

dx

 

 

 

[Why Me101]

Seems to be what I have! All of the above
 

cheers dx

 

Would that mean it’s too late to contact the bank with new address etc….?

[dx100uk]

scan the 1st page up to PDF

 

if it is then there is no need to tell the bank because you will be following post 5 of the letter of claim <<clickme link

[Why Me101]

Post 5? 
I have:-

a, Information sheet

b, Reply form

c, financial statement form
Should I now contact IDR?

[dx100uk]

56 minutes ago, dx100uk said:

Follow post 5 of the letter of claim <<clickme link

Click the link above 

 

It goes to a thread.

Follow post 5 there!!

 

Dx

[Why Me101]

Duh! I’m not up to speed on some things . Thanks for that dx. 
 

cheers