@dx100uk when a statement arrives from IDR saying that they have now recommended to their client to referr my account to solicitors for legal action. what do I do?

hi everyone, they are persistent. they are warning if i dont respond and work out an arrangement, drastic action will commence which could result in CCJ followed by a number of issues such as charging order , bankruptcy and others. So they are urging to get in touch and work something out immediately. views? still willy waving?

whats the significance of a Financial Assessment Form? received that few days ago.

hi @dx100uk "you must let us know immediately to avoid action being taken... " does sound like a warning. wouldn't you say? "under the local law which governs this pending agreement,..." which local law? "our client may continue to add contractual interest, fee and charges to your liability. If solicitors are instructed, these additional fees will be sought." they have already inflated the number. this sounds like a warning too. @dubai 5 0 did they try to call you?

hi @dubai 5 0 did you try to reach out to the original creditor and attempt negotiation? how long ago did it start?

Fair enough. I’ll send them a snail mail as well. with my postal address. vut what should I do with the current comms from IDR? Ignore despite the warning?

I only replied to the banks last email. Not yesterday but the Friday before. Requesting them to deal directly with me and not through a third party. But they never responded. only this week I get both an email and a letter by post from them Willy wavers.

So what’s the form of action? Contact the bank again? or reply back as per unclenilgaria?

The exact text says: if for any reason you believe you are not indebted on the above account or any of the information we hold is incorrect, you must let us know immediately to avoid action being taken against you. please note that under the local law which governs this pending agreement, our client may continue to add contractual interest, fee and charges to your liability. If solicitors are instructed, these additional fees will be sought.

So informed the back of my address last Friday. Never heard from them back. got email and letter from IRD quoting an inflated figure and that I should get back to them in 14 days if I think the number is inaccurate otherwise there will be legal action

Sorry @dx100uk what do you mean by OC and F&F? also what do you mean by write with address and let it run? Try and contact the last point of contact from the bank that sent me an email and negotiate a payment plan? In his last email he left his phone number. I know you said to not email but how is snail mail meant to work?

Few months? So it’s been going for quite some time. Which bank are they representing? When did you leave the UAE? @dx100uk any view with regards to the amount?

Are they still chasing you or have they stopped? If still, How long have they been doing this for?

@Brazzer69did you have to go through the same situation? How was it resolved?

@dx100uk aprox £30k

Ok thanks guys. in respect to keeping them up dated with the address, Dx mentioned the bank has to be informed and this has to be done via a postal letter. Wouldn’t the IDA have informed them of this already since they sent me a letter through the post as well? I know you said never call or email, what’s the danger of replying to the bank’s email directly? It’s the only form of comms in UAE. Post is rarely used. And I wouldn’t know the address of the contact. @Brazzer69 amount is AED 180k

hi @Brazzer69 there were 3 bk since 2019. Those numbers might be small, but doesn't that depend out of how many cases there were? do we know there are thousands of defaulters? I dont think i want it to reach to CCJ stage. Hi @dx100uk where does it indicate those that have nothing to do with CCJ but Statutory demand? and does it make any difference if the end result is BK? i'm not quite sure how to determine what is a pasty case? so recommendation is to engage with the bank and come to an agreement. right? I dont want this to escalate to that level. getting confused with the last 2 posts. is it time to panic? on one hand Brazzer is sounding alarms. on the other hand, dx100 is kind of play it down as low risk. I dont want to end up being dragged to court or get into bankruptcy stage. thats something detrimental for me and my family. I'm thinking of calling the bank today to try and contain this. would that be the right next form of action?

There is a security cheque, of course. Everything runs on Cheques in UAE. What does it mean if there are no court claims by FAB? Is that a good thing? would you mind explaining what charging order after and CCj mean? do you think it’s worth having a chat with the bank directly?

Not panicking … just yet the bank is FAB , does it make any difference? left in October , but been making payments till Jan. Property not joint

A judgment to do what? Sounds like I’m screwed.

i do have a property yes. last payment was January against a credit card. well the bank has stopped sending any emails since they transferred the matter to this IDRWW. Do you think i should reach out to the bank and re-establish some sort of dialog?

hi Unclebulgaria, I do have copies of statements yes. they send them by email regularly. in fact they never sent anything by post anyway. its always been electronic.

i went through quite a few of the threads. similar cases. Based on your experience, and the pattern of events, (which you have clearly come across frequently by now,) what do you think is going to happen now that they sent a postal letter? should i respond asking them to keep all comms by email? Should i just contact the original bank directly and try and reach an amicable solution? as i mentioned in my previous post, i did not communicate to the bank with any changes to my situation of being made redundant and having to leave the UAE. i think you might have missed that post.

i haven't written to the bank. they kept sending me email reminders and then informed me they are transferring the matter to IDR Limited. Shall i write and inform them directly now or is it too late? I'm contemplating replying to the bank's last email and suggest to work some sort of a deal rather than involve the IDRWW in the uk. Having said that, the IDRWW managed to find my address and sent me a letter in the post. the posted letter demands that unless i respond within 7 days with an alternative channel of communication, they will continue to use the post. Similar to the email they sent earlier. Anyway, what do you recommend the next course of action? when you say "many get help and never return" meaning many get help through this forum and then the issue goes away, or did you imply they end up having an arrangement with the bank directly? Does anyone actually end up being forced to pay up? or taken to court?

Hi, I have received my first email then letter from IDRWW asking me to confirm best channel for comms for a debt i left behind in UAE. I have come by many similar posts, and noticed a reoccurring statement from many posts claiming that these guys are powerless but if ever a letter of claim is sent, this must be replied to. how often do these things escalate to this stage? Having said that, Many of those posts seem to end without a clear outcome. would be good to hear some expert opinion on this matter. Thanks