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IDRWW/J&P - Emirates & HSBC loan/Card


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Hello All, 

I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here. 
 

my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa. 
 

since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer.

My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything. 
 

j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments,

from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle. 
 

this is my predicament as ignoring them might not be an option if they chase my new employer.

Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know?

Massively appreciate peoples help here.

Thanks, 

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  • dx100uk changed the title to IDRWW/J&P - Emirates (HSBC) loan/Card

thread title updated

moved to overseas debt forum.

sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers.

make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date??? 

simply write to the BANK informing them of your correct and current address ALWAYS!!.

if you want to arrange payment or not TO THE BANK ONLY thats upto you.

never ever ignore

a Statutory Demand

a Letter Of Claim

a Court Claimform.

if if if any of those ever happen.

till then ignore and rewash.

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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Hey,

I had around 40k credit card and now they say I owe 135.

I suggest doing what we’re all doing here.

Ignore.

My debt was from 2017 and I’ve just had the same rounds of letters every year since x

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Thanks for the quick response!

the way they’ll have found so far is LinkedIn, I use this for business and work etc. I’ll have to look into the settings and see if I can make this more private I have no other social media. 

  1. to confirm, best step is to directly mail my address to emirates and HSBC directly then ignore idrww and judge and priestly?
  2. should I be telling both the uk collection agencies that I’m only going to be dealing with the banks directly and not with them? 
  3. would you recommend creating a monthly payment plan to the banks or not? 

Thanks, 

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Hiya, lovetoteach

Thanks for getting back to me!

I’ve always ignored,

however my only concern now is starting a new job and them emailing my new employer, as they have with previous employers.

Is there a way to make sure they don’t do this apart from hiding LinkedIn? 

As people mention, it’s worth telling each bank direct my address, should I tell the credit chasers that I’m dealing with the bank direct also? 
 

Thanks, 

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Please keep to your OWN THREAD for questions

(post moved here)

1. yes

2.no

3. your call

13 hours ago, dx100uk said:

never ever ignore

a Statutory Demand

a Letter Of Claim

a Court Claimform.

if if if any of those ever happen.

till then ignore and rewash.

and keep reading up here on like threads

you'll soon get the idea.

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 IDRWW/J&P - Emirates & HSBC loan/Card

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