Great! Thank you.

The same month they agreed it was SB, they removed all trace, May/June 2015. Looking back through today I realised just how useful your advice was. Thank you! Tobe

I realised I hadn't updated this post and thought anyone going through the same might find a conclusion helpful. The debt was removed from my credit history, something I had heard was impossible, and the debt was agreed to be Statute Barred. The paperwork was clearly well below par and both Marlin and Barclays wanted to get shot of me. Good luck to anyone else going through this. It's stressful but the advice I received here was good! Tobe

Hi PPhagis - really interested to hear any updates or progress you might have had. I'm facing the same people and wonder whether they are actively pursuing. Tobe

A DCA can’t submit court proceedings (CCJ/SD etc) for their client?

That makes sense. Thank you. Why not? If the DCA were a solicitor acting on behalf of their client, they could submit papers for a statutory demand etc. Couldn’t they? If not, why? Music to my ears to be honest but just wondering what rationale lies behind ‘No’.

The only problem with that is if I contact them then the status becomes current as it will reset the clock in Dubai. Although the DCA has no ‘powers’ they can issue a Statutory Demand and pursue me on the original creditor’s behalf. I either challenge this in the UK or reset the clock in UAE... I have no experience in this field (and no one seems to be able to offer a definitive opinion) but I’m hoping the UK system is applicable if taken to a British Court.

Thank you both. I’m sure it’s SB (under UK terms). Can’t imagine DCA can bring UAE statute to a UK court. If the debt is covered by FCA rules surely UK laws/statutes apply too??? In a UAE court many things would be different. Ok, enough speculation, i’ll kick things off and let you know what happens. Thanks again. Tobe

I’m not worried about Interpol, I’m not a big enough fish. I’m worried that this will escalate quickly and i’ll be jumping from the frying pan into the fire. The general consensus seems to be request a prove it or CCA. Ignoring these guys, especially when you have assets, seems to be their ideal scenario. I’m not sure how to request docs if I believe this is SB. Does anyone know?

Thank you. I will keep this post updated with full progress to help others.

Thank you. I realise I’m probably sounding nervous. If the DCA request an SD that’s the first (and cheapest/easiest) step to filing bankruptcy isn’t it? CWD sound quite happy to issue an SD, looks like their MO if I’m reading threads properly.

Yes I do own a flat but the equity is negligible. It might even be in negative equity. I’ve read lots of conflicting advice, some state the SB limitations are viewed by UAE ruling not UK. There seems to be no successful cases, or people don’t update their threads. I have a small child. is it worth putting forward a payment offer? At what point should I start truly panicking? I obviously don’t want to be homeless but can’t afford very much at all.

Ok. Thank you. I’ll be back (panicking) if they issue SD. Going back through my paperwork and it was 7 yrs ago at least.

I think around £15k from 7 yrs ago. Would statue barred be a defence? I know the limitations are longer in the UAE (15yrs I think) but if CWD aka IDRWW are going to make an SD that would be a UK court application.. which rules apply? Tobe

Thank you for replying Dx. That seems too easy to believe. Is there any benefit from replying? At what stage should I start engaging with them? Tobe

Hi Can someone give me some advice? I left the UAE in debt some years ago, a long story but not dis-similar to many others you will have heard. I have been contacted by a UK company (IDRWW.com) who have been instructed by the original bank. I do own my own flat in the UK, although it is mortgaged and has little or no equity in it. Can someone tell me what steps I should take? What can IDRWW do? Are they likely to try to make me bankrupt or put a charge against my home? Does anyone have any experience with this company and what they will accept or what they are after? IDRWW have given me 7 days to reply. Any advice would be greatly appreciated. Tobe

I've written a SAR for Barclaycard and will see what they come up with. If they defaulted me can Marlin default me too, once they bought the debt?

Cabot quoted section 5 of the Limitations act 'An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.' They say the action was termination. Is that possible?

Ah ha I see. If a payment has been made since the debt was sold would this show on the SAR?

I guess I don't want to find out I'm wrong and I have made a payment. Would it harm me to request proof

Is it worth sending a prove it letter to Cabot? I'm certain I've not made a payment but I'm second guessing myself because, well I guess I'm less confident than they are. And Court is intimidating.

Thank you. I'll do that now. Would you reply to Cabot?

I have my credit report and Cabot defaulted me in November 2011. This is when they say the account was also terminated. I've not paid in years, more than 6 years, I think. I can recall a payment in the last 10 years. What's a DN SMEG? Default notice? (Apologies for my ignorance) I never received any notice of a default. Only saw it when I checked my credit report. What action should I take? Correction Marlin Finance has given me a default notice, but I understand Cabot and marlin are one of the same?

please can someone advise. I had an Egg cc many years ago, the debt seems to have been passed to Cabot finance. I haven't paid anything or acknowledged the debt in more than 6 years. Recently Cabot contacted me chasing the debt. I replied with a statute barred standard letter. Cabot replied advising the account was Terminated in 2011 and this ensures the debt is still active. There is also a default from Cabot on my credit report from November 2011 although they didn't contact me and no payment has been made for years prior. Please advise what course of action I can take?

I was quoted around the same by a few different solicitors but none who'd ever won a case like this before. Still looking for a solicitor with actual experience of a similar case, if you find one please post their details. Mine hasn't gone to court, but I've weighed up the pros and cons and I'm considering negotiating a settlement. A solicitor told me that this might be the cheapest solution. He advised to make an offer for 10% of the debt to kick things off.