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Dubai debt transferred from IDR to J&P


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Hi guys I wonder if any one can help me,

I have been reading through some forums and still a little confused as to how I need to go about my situation .. 

I took a loan out with Emirates NBD of around 155,000 AED in 2020.

I moved back to the UK without settling my debt end of 2020

fast forward today I received a letter from judge&preistley solicitors advising I owe approx 245,000 AED which is like 50k guessing it’s inflated crap loads with the interest 😭

How do I go about getting my loan contract and is there any option to settle this at an agreed payment like am I able to make any offers??

Do they accept all offers -

Do I respond do J&P

I’m so worried.

I’m also blacklisted from there so would this lift my ban once this is paid off?

Any help would be appreciated 

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as long as you have informed the BANK of your correct and current address in WRITING to protect against a backdoor CCJ or other litigation you can ignore J&P until/unless you ever get a letter of claim or an SD or a court claim by remote chance.

the best thing you can do is read as many IRDWW thread here as you can get upto speed and most of your fears will go.

but you must inform the bank asap. no harm in trying to negotiate with them not J&P.

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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Thank you so much

- I have changed address which the bank has not been notified about but J&P are aware off should I notify the bank of my new address?

Also Should I send them a letter in trying to resolve this or an email directly to NBD?

Thank you 

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Yes you MUST inform the bank of your new address as DX says.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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never use nor give them an email.

dx

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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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Hey I’m not too sure I’m so sorry, I don’t have a mortgage 

May I ask what do I state on the letter when notifying them of my address change - do I just give my full name, I don’t know what other details to provide them with?

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mortgages are immaterial.

the letter needs obviously their account number you have with them stated

but thats all you need to say.

please note my correct and current address as above.

dx

 

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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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Hey, can I just ask,

I keep getting texts from J&P,

which I’ve ignored.

But will they get in contact with my work place since they’ve managed to get my number and my new address? 

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Debt collectors cannot contact family members, friends nor your employers. Only the person who owes the money can be contacted

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  • 2 months later...

If you visited Qatar you could be detained at the border, if the debt has been notified. 

If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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 today I’ve recieved a letter from J&P after a long time

this time with forms attached to respond back about how much I can repay etc and that if I do not respond within 30 days court proceedings will apply

I had written to NBD bank to inform them of my new address and to resolve this matter last month,

 I haven’t had any confirmation or heard back from them.

Should I write to them again?

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Is this a letter of claim with a reply pack wanting i&e etc? 

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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FWIW that is a letter Of Claim.

clearly says so page 2.

if you wish to reply..

then hit letter of claim follow post 5

dx

 

 

 

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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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