I have spoken to a lawyer who only had experience pf dealing with debt from the Caribbean. He said I should write to the DCA offering any payment terms I can afford. When I raised concerns about this course of action he suggested that I should also write to the bank offering terms as he believes I cannot have the SD set aside. I have read through the various threads and nothing mentions what defence I should use in this case as there is no court case in the UAE that I am aware of - and no notice has been sent to me. Is there any defence that I can use in terms of how the loan was obtained - a guy turned up from the bank at my place of work and got me to sign a number of documents. Is there a case of mis-selling of PPI, or that the loan was insured in case of redundancies, as I was told? I kept paying the loan off even after losing my job until the point I did not have any more funds left and had to leave the UAE or they would have first barred ne from leaving the country and then convicting me of a criminal offence. I tried to negotiate with the banks when I was there but that obviously was to no avail. I have a few days left to submit a response to the SD, have started to fill out the IAA application but am still unsure of what route to take.

Thanks. Here is the SD. I would appreciate any advice on what my next steps should be. I cannot afford to repay the loan. SD.pdf

I have had a Statutory Demand delivered and wanted to know what to do next. Can the courts force a bankruptcy on foreign debt?

Thanks. I do live in England but do not own any property. I have not heard from the banks for a while so will go back to them to see what they can offer.

Thanks DX. Yes, it definitely is scary to read that Interpol is used as a debt collection agency by the UAE. I have asked other law firms about what my options were in order to check with Interpol for Red notices issued but they are charging exorbitant fees. I have not been in contact with the banks as I did not want to get harassed by them due to an inability to pay. Also considered going down the bankruptcy route but not sure if that can be applied to UAE debt.

I have an outstanding UAE bank loan and credit card debts and am not in a position to settle these. I have been sent chasers by IDR via email and post. What are my options? Does anyone have any experience of using the well known debt negotiating agency that is often in the news and seem to specialize in UAE debt matters? Also, how can I check if I can travel abroad as I am told that the UAE banks are notorious for using Interpol to classify debt as fraud and having them issue Red Notices. Thanks.

Hello, I have outstanding debt in UAE and have had IRDWW sending fishing emails. Should I respond ? Also, has anyone used the services of the well known debt negotiators to manage this? Thanks.