@dell2606 - @dx100uk posted a response previously where the thread owner was based in Scotland... The rules on jurisdiction are different in Scotland, and also to get a Sheriff to issue a Warrant the burden of proof, (if that is correct), is significantly higher than it is in England & Wales... I assume this still correct?

All - just to give an update... Still getting the slightly threatening emails and texts, emails are probably getting slightly more threatening... Dear NAME, Emirates NBD PJSC, Unique Identification Number DXXXX You have ignored our last three communications about the collection of the following account(s). CARD XXXXXXXXXXXXXXXX Dhs Vastly Inflated Sum You only have 7 more days to agree a solution to this longstanding problem. As you know our client has instructed us as follows: 1. To allow you just one more week to agree an affordable means of meeting your liability; failing which 2. To serve a Statutory Demand upon you under Section 123(1) (a) of the Insolvency Act 1986; with a view thereafter 3. To petition for your personal bankruptcy under Section 265 of the Insolvency Act 1986 If you want to avoid personal bankruptcy, please contact us IMMEDIATELY to discuss possible solutions. For the next seven days only, the solutions can be driven (a) by our ability to negotiate discounts, and (b) by what you can afford to pay. If you are adjudged bankrupt on the proposed petition of our client under Section 265 of the Insolvency Act, all control of this situation (for you, us, and our client) will be forfeited to the Official Receiver in the first instance and then, most likely, to a Trustee in Bankruptcy. For the next seven days, we remain available Monday to Friday between 9am and 5.30pm on 01494 911099. Yours sincerely IDR Legal ************************************ And then today... Dear NAME, Emirates NBD PJSC, Unique Identification Number D12345 You have ignored our last four communications about the collection of the following account(s). CARD XXXXXXXXXXXXXXXX Dhs Big Sum of Money Regrettably, the time prescribed by our client bank has expired. Our client has now confirmed our instructions as follows: 1. To serve a Statutory Demand upon you under Section 123(1) (a) of the Insolvency Act 1986; with a view thereafter (ABSENT PAYMENT OF THE DEMAND IN FULL) 2. To petition for your personal bankruptcy under Section 265 of the Insolvency Act 1986 Your Statutory Demand is now being prepared for service upon you. Our office is open Monday to Friday between 9am and 5.30pm if you have anything you want to tell us. The number is 01494 911099. Yours sincerely IDR Legal ********************************** This was followed up with a text which said... "FIFTH AND FINAL SUGGESTION FOR YOU TO CALL IDR LEGAL LIMITED ON 01494 911099" Presume it was bad cop who sent the automated email, and good cop who sent the automated text. Still sitting tight...

Thanks @dx100uk - will block and bounce.

Hi All, Sorry for jumping on this forum, however looking for some guidance as I am back to being harassed by IDR/IDR Legal… Summary is I left Dubai in 2015, unfortunately leaving behind an Emirates NBD credit card, (had to leave due to family). I was soon contacted by Emirates NBD regarding the alleged debt, (I was careful not to admit liability), and then they went quiet… circa 2016 CWD showed up – done what was recommended by various sites and also a former colleague, ignore it. Only deal with the bank. Emails to the bank to discuss the alleged debt went unanswered. Eventually CWD went quiet, passed to IDR, then they went quiet, then in Nov 2022 I received an email from IDR Dear NAME, Emirates NBD PJSC, Unique Identification Number – BLAHBLAH We act on behalf of Emirates NBD PJSC to recover the outstanding debt that is owed by you to our client. We recently sent you a communication regarding your outstanding account(s). As we have not heard from you, we are sending you this reminder. You have 7 days to respond to this letter. You can contact us by: Calling us on 01494 911099. Our opening hours are Monday to Friday 9am to 5.30pm. By post. Our address is The Island, Moor Road, Chesham, HP5 1NZ. By email. Our email address is solutions@idrww.com It is important that you contact us within this timeframe. Failure to do so may result in the bank escalating your account for non-payment to review further action that may be taken to recover the full outstanding. We look forward to hearing from you. Yours faithfully IDR Again, ignored this… I did note that in none of the emails previously the amount of the “debt” was not stated… Then on Christmas Eve, and again last week, I received the following exact same emails… Dear NAME, Emirates NBD PJSC, Unique Identification Number BLAHBLAH You have ignored our last letter about the collection of the following account(s). CARD XXXXXXXXXXXXXXXX Dhs 394,954.02 You also ignored correspondence from our predecessor, International Debt Recovery Limited (IDR). Ignoring us is not a wise choice. As you know our client has instructed us as follows: 1. To allow you another three weeks to agree an affordable means of meeting your liability; failing which 2. To serve a Statutory Demand upon you under Section 123(1) (a) of the Insolvency Act 1986; with a view thereafter 3. To petition for your personal bankruptcy under Section 265 of the Insolvency Act 1986 Our primary intention is NOT to subject you to a Bankruptcy Order. Our intention is to understand your circumstances and agree a new method of repayment which is both realistic and affordable to you. Please contact us IMMEDIATELY to discuss. We remain available Monday to Friday between 9am and 5.30pm on 01494 911099. Our ability to help you find a solution which sees the above liability either discounted, or paid over a lengthy period of time, is soon going to be restricted by our client. This collection process is going to be escalated quickly, on the very specific instructions of our client. We look forward to hearing from you as a matter of some considerable urgency. Yours sincerely IDR Legal I have not moved house in the UK since before I went to Dubai in 2013, and my address since I came back is the same. I am also resident in Scotland, and from reading other posts I understand that the jurisdiction aspect is different for Scotland… Appreciate that this is IDR willy waving and hoping that someone falls for their threats, but my question is do I keep ignoring? Are there any risks with this approach? Any advice would be gratefully received.