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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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2010 Loan Debt from Dubai bank last paid 2009 and IDR letters by Email


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Hi guys.

I have been reading through lots of posts regarding IDR and the consensus seems to be ignore but protect yourself by informing the Dubai bank of your current address. 

I have not heard from any DCA until last week when i received an email ( very polite and they only want to help type of thing etc) - the first email didnt even have a figured owed or the bank name - the latest email does, but is still very polite in its tone. 

At no point  in 14 years have i informed the bank of my address - to be honest i didnt know this was a thing - to my shame i went with the "head in the sand" approach. 

The Debt is just less the 50k DHS

I have a couple of questions

  1. if i contact the bank, is this snail mail, or will email suffice? ( should i be doing this or is my debt statute barred by now?) 
  2. will me writing a letter to them in anyway acknowledge the debt and restart the counter?
  3. is it a good idea to do a ( Data) Subject Access Request on IDR to see what info they actually have on me - where it came from and how has it been handled etc?

 

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1. snail mail only. SB is 15yrs UAE.

2. nope

3. nope.

thread title updated

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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  • dx100uk changed the title to 2010 Debt from Dubai and IDR letters by Email

I have checked the IDR website and they say that Statute barred is 10 years in the UAE but that might just be a ploy to get you to contact them! 

IDRWW.COM

Problems with debt in Dubai or elsewhere in the UAE? IDRWW have created this page especially for you | UAE Debt Frequently...

)

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Thanks to you both for replying - i did look at the website and saw they said 10 years.

i imagine certain debts have different limitations, they are technically might not lying but getting you to stick your head above the parapet. 

I shall write a letter to the bank tomorrow ( is there a template available within this site

) -  is there a department i should be addressing it to, 

and is it wise to send it recorded delivery? 

After they have received the letter - am i then likely to receive letters from furthers DCA's, do i ignore them?

i took the loan in dubai out in 2008 but due to losing my job i stopped paying in September 2009 - do i only have to ride this out until September this year?

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  • dx100uk changed the title to 2010 Loan Debt from Dubai bank last paid 2009 and IDR letters by Email

thread title updated. cheapest post you can get.

Loans are 15yrs in the UAE.

as i said there is no templates, simply write to the bank giving your new uk address.

get free proof of posting , thats all that is needed. 

IDRWW will never be able to raise a claim in that time.

a dca is not a bailiff. zero legal powers

just dot ignore a statutory demand letter or a letter of claim or a court claimform from northants bulk.

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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:noidea:

what dont ever ignore is:

a Statutory Demand

a Letter Of Claim

a Court Claimform via Northants bulk.

however..

On 25/03/2024 at 20:44, dx100uk said:

IDRWW will never be able to raise such in the time remaining to SB date.

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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Posted (edited)

a previous thread by underP04 contains the expert evidence of mr edge that they repeatedly use and it says the statute of limitations is probably 10 years (they dont know themselves) so ignore.

well dont tell them now!

They restarted on me after JandP had a go and when they restarted the first letter had the initial balance from 5 years previous. suggests a lack of real interest and care taken from bank or them.

Edited by dubai 5 0
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  • 3 weeks later...
Posted (edited)

Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious 

An update -

- I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)  

- I have moved to a new address ( this is the address i gave to the bank in dubai) 

- IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all.

- i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).

 

 

 

 

Edited by Johnny1 leg
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3 hours ago, Johnny1 leg said:

IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all.

we have known for a very very long time that 9/10 the OC never knows IRRWW are chasing debtors nor  in some cases even taking money from them that the OC never ever see!! IDRWW pockets it -  free money - lets all go on a staff holiday.

there was an article some years back whereby that quoted some +£4M debtors had paid to IDRWW on UAE debts that when contacted the originating banks knew nothing about....😎

 

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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  • 2 weeks later...

An update -

Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch. 

 

the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email

FYI - reporting them as spam

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  • 2 weeks later...

Further update - emails are getting a bit more threatening, talking about CCj's, Attachment of Earnings, Warrant of Execution, Bankruptcy and Charging Order - i am not replying. 

am i right to keep ignoring these? i sent my creditor an address update a few weeks ago and IDR are still sending letters to my old address, so i dont believe they are acting in good faith.

 


 

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Ignore that its a standard letter

as below


Attachment of Earnings - If you are employed, money could be deducted directly from your employment salary to repay the debt.

Charging Order - If you own your home, the debt could be secured against your home, meaning that when you come to sell, the proceeds would be used to settle the debt in full.  A separate application could also be made to force the sale of your home to repay the debt. 

Warrant of Execution - Personal goods/possessions could be seized up to the value of the debt and sold at auction. 

Bankruptcy - Bankruptcy Proceedings can be commenced in relation to judgments debts exceeding GBP5000.

If legal action is taken the total amount you owe will be higher than the current outstanding balance as recoverable costs and interest incurred since the instruction of IDR and during the legal process will be added to the debt.

To prevent further action you must get in touch with us.  We are still keen to work with you by understanding your circumstances and agreeing a fair solution.

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  • 3 weeks later...

Another update - just had another round of Text messages, Emails and letters.

Physical  letters still going to the old address (forwarded by royal mail).

All messages were exactly the same as the previous round with threats of CCj's, Attachment of Earnings, Warrant of Execution, Bankruptcy and Charging Order.

Seems to be a 2 week pattern of 1 week letter, following week email - texts seem to be a bit more random, but always over 10 days between each one. 

Not sure if IDR are working diligently behind the scenes to recover monies from me,  or are just spamming me in the hope that i stick my head above the parapet

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after mugs cause they get given so much free money that goes straight in their pockets, the original banks see none of it...off so many ex pats thanks to those fake dubia websites and their scam stories...

  • Thanks 1

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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and another update with another physical letter today - this one states that they are now recomending to the client (not sure they have ever been in touch)  to proceed with legal action. To accentuate the seriousness this time, they have used bullet points to highlight what a judgment against me could look like - attachment of Earnings, Warrant of Execution, Bankruptcy and Charging Order..etc

 

still ignoring

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Another email ( they are coming thick and fast now) - slightly more threatening, telling me how great they are for trying to help me find a solution and how bad i am for ignoring them. 

 

 

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