IRDWW Chasing Emirates Islamic Loan Debt

[rgaine]

Just a note on this around IDR and Mr Coyle and his team who is also the same Mr Coyle from CWD the original solicitors that were trying to collect Dubai debt for many years the wrong way and against the law. 

 

As DX always explains very well and others do not give in and do not bow to there pressure. 

 

I had Mr Coyle use an intern once to try and call me at work - disgusting just like the debt collectors in the UAE try to do.

 

Then he sets up this company IDR to try and put more pressure. There was an operations manager never heard from her again that was trying to be all forceful and then a solicitor that was using 2 addresses for CWD and IDR at the same time. Outright ridiculous. 

 

I have complained to the SRA and the FCA many times and they always tell me the same unless the debt has been passed through the correct courts in the UAE and if Mr Coyle and IDR have purchased the debt then nothing can be done as they don’t own the debt they just act in behalf of the banks. 

 

As I always mention I find the right contact at the bank to pay the bank directly. Things are getting a little easier now. 

 

Do not pay DCA from the UK! 

 

I nearly did this once to Mr Coyles colleague and guess what they could not find my payment so I stopped and reported them right away. Shoddy !!! 

 

There are new laws coming in or have done already that can help those who have had to leave Dubai with debt. 

[rgaine]

Hi there. Read this article 

https://www.thenationalnews.com/business/money/the-debt-panel-how-do-i-resolve-my-uae-debts-after-11-years-1.1074585

 

each time and each bank you owe money to be sure to get in touch with central bank first off. There are many things happening in the background to assist you further. 

[rgaine]

Listen to the people on here trust me. Do not pay any DCA ... IDR CWD ETC

[rgaine]

Exactly DX. My first contact from Mr Coyle was a long time back in 2014 knowing full well at that time CWD could not do anything hence IDR was set up to try the same thing but again failed. 

THey have not purchased the debt and I have all this in writing and they never will unless it’s with their while and it’s not even been passed through the courts. 
 

if it plays on your mind like it did me back then but with around 9 DCAs in Dubai chasing me also which was horrific but I learnt how to fight back as they are really bad then just find the contact for the bank and talk to them. That’s up to you. 
I owe 4 banks and that’s where I am at the moment after 11 years. 2 of them I have had some success but the other forget it they don’t understand that if they would have listened to me back in 2014 then they could have been having regular payments of £10 or so which is something. 
 

also they offer settlements from time to time which makes me laugh in Dubai to clear your debt. All my debt has been written off already and is sat with collection in Dubai so no charges etc 

[rgaine]

Hi there.

I did not contact any debt collection agencies in the UK.

 

I had about 7 of the Dubai ones attacking me every week over phone email etc and this is how my wife found out they called her in her work!!! Absolute madness. This was back in 2012.

 

Over the years I have learnt how to deal with them and now they don’t contact me as much and when they do I report them to the central bank. They are rude and break all laws possible. 

 

Mr Coyle of CWD first got in touch in 2012 also and this is when I realised that UAE banks will try to use UK companies using this no exclusive blah blah jurisdiction which is just total nonsense. Sure they sent me the usual standard letter but I did not reply to that.

 

I set up my own email address to keep track of the ruthless collectors in Dubai and now Mr Coyle and I went straight to the FCA and the SRA to enquire and complain.

 

There is nothing they can do as the debt is still owned by the banks and central bank told me the same. The debt has to go through the courts in the UAE and then be bought by the firms here. Most will not do this as it’s not worth it so they bully you on behalf of the banks to try and take what they can. 

 

I just told Mr Coyle either take me to court and I’ll bring all my evidence with me to show you and the courts what’s going on behind the scenes or stop bullying me with stupid letters and even trying to call me at work breaking debt collection laws. They are not even Debt collectors they are solicitors. 

 

This is when to my amazement in 2014 I think IDRWW was set up by none other than Mr Coyle - crazy !!! And they were and still are using a solicitor Mr Letheren to act as a Debt collector also which is just laughable and absurd. I complained again to FCA and SRA and told Mr Coyle this and not heard anything since. 

 

They are bully boys trying to get away with something that they know companies like stepchange, citizens advice etc know nothing about debt in Dubai even though they put in there letters to seek advice. What a lot of rubbish because they don’t know how to deal with it. 

 

I deal with the bank I owe money to simple as that and I contact the right person by email to keep records and try to negotiate. It takes a while but slowly will get there. 

 

1 hour ago, HunkyJunky said:

Also how did you get in contact with the banks in Dubai? I can't find any proper contact email

LinkedIn. Twitter etc find the highest person and get them to find the right person.

 

Also I complain to them also it’s really if they know what there agents are actually doing and tactics they use 

[rgaine]

Each case is different I guess I’m not sure but yes. Sorry but I don’t agree with CA. 

 

The article I posted from The National says also that if they are to pursue you here then you are afforded the laws of the UK for debt collecting which they just adhere to. Something IDR and CWD have not done with me. 

[rgaine]

Yes listen to DX don’t deal with them at all only the banks. IDR did try this with me and I told them where to go that once again it’s the bank that own my debt and I’ll deal with them thankyou 

[rgaine]

I would question everything trust me

 

I did the same for one year (one year being every time I questioned them they took ages to come back to me )

I even have Mr Coyles email if you wish to message him direct and tell him your thoughts in a pleasant manner 

[rgaine]

Oh I’m not sure this would be up to the site admin but I’m happy to share an email address if allowed I have nothing to hide and lots to share to help the cause if needed after going through this since 2010!

 

And don’t get me wrong I know firms have a job to do but follow the rules and the law and don’t try and pressure people into paying something that you don’t own and you cannot give straight answers 

[rgaine]

Thanks DX. 
peter.coyle@cwd-law.com

 

here we go 

 

[rgaine]

The same for me many times over. My reply was they do not own the debt and the debt is still with you the banks and until they have purchased the debt I will not be communicating with them. 
 

I will also inform central bank of the same that you aren’t willing to communicate. 
 

Keep on like this and I even ccd IDR also nothing to hide and be transparent. They will get the message 

[rgaine]

Hi there. Firstly I just went online and did it and then got in touch with an agent to document everything 

 

the article I wrote in the National was good also and here is an extract from that 

 

“Aim to contact the most senior person you can find from the bank first. Go to them with a plan but also make it clear that you are not going to accept them ignoring you or refusing to cooperate with you. If talks break down, be sure to let them know that you intend to complain to the Central Bank of the UAE.

 

Next, talk to the Central Bank's Consumer Protection Department and see if they have any recommendations. They may agree that the banks have been unreasonable. They may also be able to guide you through the new insolvency proceedings in the UAE. However, going through the UAE courts may require returning to the country and this is probably not recommended. You should also consult a legal firm in the UAE that specialises in people with debt problems.