Cheers Dx

Thanks again, just to finalize, if I make a proposal could the bank refuse it and still take me to court?

Thanks Serthui, I have been sent a letter of claim so I need to approach them. I’m just worried the bank won’t except my offer and then the CCJ starts! What’s an SD by the way?

Guys, sorry again for asking but I’m going to make an offer to pay what I can on a monthly basis. With that said it will be a low offer (£150)ish. Will the bank be A’holes and try to force me to pay more? Even if I’ve agreed a payment offer? cheers

Duh! I’m not up to speed on some things . Thanks for that dx. cheers

Should I now contact IDR?

Post 5? I have:- a, Information sheet b, Reply form c, financial statement form cheers

Seems to be what I have! All of the above cheers dx Would that mean it’s too late to contact the bank with new address etc….?

Dx, just reading one of your replies you stated “should I contact IDR? NO!! NEVER unless you get a LETTER OF CLAIM.” they state the letter is a letter of claim? Do you know what this should contain? cheers,

Spot on, don’t know how you know all this but a massive thanks for your help. cheers dx

Thanks dx, are you aware if there’s recorded delivery services for the UAE?

Thanks gents for this, although trying to get through to the bank is impossible! I will need to get the bank’s address again and send another letter but I guess this will have a “no reply” reply. cheers again. I’ll keep you posted on what’s happening.

That’s absolutely brilliant and cleared up a lot for me. Your comment at the end is exactly what I’m worried about. I could be paying money to a third party and the bank knows nothing about it. This IDR seem a terrible outfit (reading on other platforms), but I don’t want to open up dialogue and get fleeced so to speak. Don’t want to sound thicker than the offspring of the village idiot and a TV weather girl but should I let IDR know I’ve approached the bank directly? I’m just thinking if time restrictions here if they do try and pull a fast one? I haven’t got any official letter from the bank to IDR stating such that they have IDRs go ahead, which makes me think it’s a bit dodgy. with there being so many scammers out there it’s hard to know what’s not? is there anything else to consider like getting a solicitor involved who deals with financial issues? cheers again unclebulgaria for your time

Gents, thanks for that . Well they have sent a letter with my original contract and statements but not sure what a letter of claim should contain or even if this is something anyone can just write and send out? They say it is, on their own headed paper! 2019 was the last communication/payment at around 45k AED now it’s over the 120k. The thing is, after trying to communicate with the bank, there automated telephone system which you can never talk to a real person, password protected statements (which is the only thing they’ve ever sent) and lack of approach from the bank even though my email address and phone number is stated in the contract how can they just start now? Back door litigation from an old address? Not sure what that means dx? -unclebulgaria67 I’m guessing as they have all my details, statements etc then they have given IDR the right to chase this up? I do have a joint mortgage which is massive so the bank pretty much owns the house and my car is all I have as an asset. With that said I still would like to pay this off but it needs reviewing about the amount and also living on my overdraft for that last 6 months the payments will be small(ish!). so I should contact the UAE bank and discuss with them directly. Avoid IDR and see how it goes? cheers again both

Yeh sorry guys, what it is without giving too much away. After hours of trawling through new and old Q&A’s, some 7+ years old and many probably not applicable now? But this firm IDR, are they a bonafide company? Should I engage with them based on having a letter posted by first class only? With no previous correspondence! Dx100 you seem to be the guy that’s handled most of these questions (unclebulgaria as well) but firstly it was “don’t engage” then “foreign debt can’t be retrieved in the UK” to now it seems they can now pursue it but only if the debt is bought from a UK debt company? I have no problem in owning the debt although the amount of interest is astounding! Need to ask for further advice but my main couple of questions is:- how do I go about this properly? should I contact IDR? how will I know if the monies will be sent to the bank? who can I seek for advice on my situation? is IDR nothing more than a scaremongering outfit? dx, I’ve seen all your posts and I’m sure they have helped lots like me but I’m getting the feeling things have changed over the last couple of years? sorry for the short reply but I’m traveling at present so need to respond better tomorrow. But honestly, I don’t want to give too much away as I might be even talking to IDR as we speak!? cheers