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I'm just after some help and guidance.

We left the UAE unexpectedly around 7 years ago for health reasons.

We left debt behind debt which has been chased on and off since then, first with moriarty and more recently with international debt recovery.

They have sent forms demanding we supply our income and expenditure and threatening court action.

I fear I may have jumped the gun here and supplied the PAP letter that is often linked through this thread.

They have come back to us today with some of the documents and statements, but not all of them (for clarity this was debt against a vehicle which was left in country).

I am just wondering what our next steps are.

Any help would be greatly appreciated.

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have you ever written to the original Bank giving your correct address as you've moved around?

if not you must do so.

until or unless you ever get a letter of claim or and SD or a court Quite Honestly I'd ignore everyone.

there is no harm in you trying to negotiate directly with THE BANK ONLY to get all fake interest removed and make small an F&F offer.

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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The address that the bank had originally is the same, so I assume it's all up to date. It has just thrown me that they have come back with documents that appear to be from the bank.

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as they will do

they are the banks client ...read their letter carefully.

what do you mean by 'not all of them?

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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They have sent 4 or 5 statements only, and no t's & c's. The document bundle is 4 monthly statements from 2017, 1 from 2019, a photocopy of the ID and passport and a hand written form that we didn't fill in.

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statements are not an agreement.

if they have not sent a copy of the original agreement you signed with the bank ignore them till they do.

bar what i said in my previous post.

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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Sorry to be a nuisance,

I haven't slept at all so wanted to double check everything they sent.

One of the photocopied documents appears to have a signature on it, and it would look like they have sent over a photocopied letter from the bank giving them authorisation to pursue it.

They said they are still chasing to see if this has gone through the UAE courts.

We know there are no convictions on us currently, but I am terrified this will force one.

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convictions...:noidea:

wont and cant happen here.

making you be scared is all they can do to you now.

not sure what you are scared about mind?

debt in this country is not a crime, merely a civil matter and there's really nothing they can do here other than try and get a CCJ, which is practically meaningless as things go.

very few succeed.

looks like you need to read a good few UAE threads HERE not elsewhere.

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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