IDR Letter of claim for Dubai Debt ive been paying directly to the bank for years - why are they sending this?

[Helpneeded298]

 

Emirates HaD Bank (P.J.S.C)/IDR Legal ltd - statutory demand - Overseas Debt/Overseas Account issues - Consumer Action Group

 

Did anything happen here?

 

I have just received a letter of claim from IDR however I have been making payments since 2020 with a payment plan I set up directly to the bank.

 

So confused why they have now sent a letter or claim but also do not wish to open a discussion with them. 

[honeybee13]

Hi, welcome to CAG.

 

Please start a new thread of your own and we'll advise you.

 

Best, HB

[Helpneeded298]

IDR Dubai debt statutory demand threat texts/letters - Page 2 - Overseas Debt/Overseas Account issues - Consumer Action Group

 

Is there any update on this? 

 

[dx100uk]

hi ya @Helpneeded298

 

as my colleague said on the other existing thread you posted on.

 

please create your own topic by hitting create or + in the top red banner

 

dx

[Helpneeded298]

Hi,

Starting my own thread as instructed but was keen to find out the outcomes of those who also have received letter of claims recently. 
 

I left Dubai in 2015 with credit card debt.

Idr got in touch and I chose not to ignore them and set up a payment plan of which I send directly to the bank in Dubai but with a reference number provided by IDR, I have been paying this for three years. And have never missed a payment.

 

Yesterday I received a ‘letter of claim’ pre action protocol from IDR legal stating the bank now require the payment in full.

 

There is no info on why my payment plan is now not good enough however the usual of I just need to reply within 30 days or they will take me to court etc. 

 

I am pregnant, and under a lot of stress.

The last time I encountered a discussion with them the stress drove me into mental health which I cannot risk at the moment.

 

Mainly the reason why I set up the payment plan so they would leave me alone.

 (I understand I should have done research before) but I didn’t.

I however never signed anything never admitted to the debt in writing I just simply said I would pay this to your client. End of. 
 

please can I have an update on whether they can take this further and what rights I have?

 

Thank you for your support. 

[dx100uk]

hit letter of claim and follow post 5

 

as for the other threads here etc

 

9/10 people dont comeback and let us know, its not nice but thats how the majority of people act today.

 

but 9/10 the mantra of no news is good news means nothing further happened

 

there is real real worth in you reading as many like threads here as you can (10-20+) that way we dont have to cover old ground.

 

comeback with any further questions in a few weeks after reading up,

 

let the time limit of 30days run till almost out then reply to the PAPLOC as i said above

 

dx

 

 

 

[Helpneeded298]

Thank you! 

 

Just a quick question from reading other threads is it worth me providing my correct address to the bank? The LOC has come to my address but just checking in case they file for back door ccj at old addresses? 
 

also once replying to the PAPLOC and assuming they will reply with an argument then what? Do I offer to increase my current payment plan? 

[dx100uk]

The bank idr's client cannot begin court process until after the 30day deadline expires 

 

When you reply that begins another 30days count for their reply. . then it's up to them what they do if anything.

 

The bank will know your address legally in writing, before they could ever start court 

 

So no I don't think upping your payments or paying at all will/has helped you. In fact all you've done is run the 15yrs Statute barring start date even further away in future.

 

Dx

[Helpneeded298]

Thank you, reading up and have seen some have received threats for a SD rather than a ‘letter of claim’. Is an SD followed after a letter of claim or are you only supposed to receive 1 or the other? Thanks 

[dx100uk]

a Statutory Demand is a legal 'threat' to make you bankrupt, its a court form anyone can download any send.

9/10 its a bluff and the bluffers never actually present it to a court, until they do, the court knows nothing about it.

 

a letter of claim, under the pre action protocol, should be sent to someone before any court claimform (attempt at a CCJ) is raised .

 

dx

 

[Helpneeded298]

Thanks, would a SD follow after a letter of claim? 

[dx100uk]

they are not linked

fleecers only have to abide by PAP for a court claims.

 

but anyway stop fretting!!

 

 

[Helpneeded298]

Thanks and when replying and selecting I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation. 
 

What is the recommended reason? 
 

 

[dx100uk]

you have not one yet so use the default there. let them see what they can find and tell you

 

we dont want to give hints at present like you are already paying etc etc

dont forget this is all automated to date and pc driven.