Dubai debt transferred from IDR to J&P

[EvaHague]

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 

[honeybee13]

Hello, welcome to CAG.

I've moved your thread to the overseas debt form here. People should be along to advise later, please bear with us as it's often quiter at weekends.

HB

[dx100uk]

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

 

 

[EvaHague]

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 

[Bazooka Boo]

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

[dx100uk]

never use nor give them an email.

dx

[EvaHague]

Thank you guys I appreciate it, will contact them via letter and will revert back here if I need any further help 

[Pk2023]

If you have a mortgage does that make a difference to how you should respond? 

[EvaHague]

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?

[dx100uk]

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

 

[EvaHague]

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? 

[AndyOrch]

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

[EvaHague]

This is kind of related but does anyone know since I have this ban from entering UAE because of my loan, can I visit Qatar? 

[unclebulgaria67]

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.

[EvaHague]

 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?

[dx100uk]

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

Dx

[EvaHague]

I am not sure if this is a letter of claim - I’ve attached photos of the letter if that helps? 

 

J+P Letter Of Claim.pdf

[Lovetoteach]

I don’t think that’s a letter of claim. I get the same stuff all the time but from Idr x

[Pk2023]

Same. I’ve been asked for that by one of the other agencies before these started on me.

I ignored it and nothing ever happened.

Without a reply how can they even be sure it’s you.

[EvaHague]

Thank you guys

[dubai 5 0]

I got a pre action protocol / letter of claim from JandP almost 2 years ago and was advised do not reply.

I didn't, and then a few weeks later got a few more of their normal emails and they then disappeared.

IGNORE

[EvaHague]

Was it like the letter I have received? 

[dubai 5 0]

having just looked at your letter it looks very similar

[EvaHague]

Okay Il do just that, thank you   

[dx100uk]

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