I was facing legal costs from IDRW that were £20k alone - i settled....

[Wakanda]

NSHD…. Chap,  

IDRWW Chasing Dubai Debt In UK - Overseas Debt/Overseas Account issues - Consumer Action Group

whoever told you that Dubai debt cannot be enforced in the UK is flat out lying to you.  

Dubai and the UK agreed to this cooperation years ago.  

 

That said any legal case must still meet the same requirements as any enforced debt recovery in the UK.  

Any failings in relation to the UK consumer credit act would make a case equally inadmissible in UK courts.

 

my simple advice to give you time is demand FULL disclosure of all documents.  

While this is being done, absolutely no action can be taken by IDRW.  

 

Documents should be on bank headed paper and you do not need to accept print outs!  

 There are too many scam companies out there that claim to be experts on negotiation

- avoid them and get a REAL solicitor!    

[dx100uk]

You don't need a solicitor

You don't need to yet get paperwork

You've not received a letter of claim.?

Nor a statutory demand.?

Nor a court claim ?

 

Simply inform the bank of your correct and current address and if you want to offer a payment plan, then do so 

 

9/10 the bank's know nothing about what iddww are Up too upon their behalf. Just to scam people.

 

Dx

 

 

 

[Wakanda]

it’s very interesting to have someone who can’t spell basic words give out advice!   
 

Ask ANY legal professional if a Dubai debt can be enforced in the UK!    They will tell you it can!    

IDRW will continue to send you letters for several months while they assess your ability to pay.    

If you need freedom to travel through GCC countries or need to maintain your credit then you need to ask for a settlement plan.   If you have ZERO issues with getting a CCJ then you may as-well ignore all communication - you probably have nothing to lose anyway.   
 

IDRW will try to back door a CCJ via old addresses if you ignore it.  These judgements CAN and will be enforced with bailiffs.    

getting a letter is a LETTER of demand!    It forms the pre-action protocol for court action.    It’s just a matter of time!    Ask the bank 1st for a settlement offer,  they will give you terms.   

 

Also,  IDRW get large fees as part of these claims.    

They would rather you bury your head in the sand and do nothing until it comes to county court action.    

Beat them to it!    

If IDRW found you then the ball is already rolling!  

Go back to the bank and ask for terms to avoid the fees IDRW will want to add on to your case.

 

Ask a local solicitor who specialises in civil litigation for advice

- they will probably charge you £200 to give you a good honest and LEGAL opinion.  

It’s well worth it.

[dx100uk]

Ah the old spelling police gag to try and put worth to your musing .

 

Funny how you've just joined today and went directly to a thread that's months old to post

 

Been quite a few mystery new members doing the same thing on other UAE threads here of recent .

 

Cags advice must be hitting idrww rather hard....

 

Dx

[Wakanda]

DX.  

 Be honest then!  

 Can you say that any of my advice is untrue?    

Explain to everyone how they are protected from UK courts!   Go on!  Take on the challenge!  

 Ouch!   I can already see where this will end!

[dx100uk]

[dubai 5 0]

the previous two posters who were suggesting I worked for IDR (who joined and disappeared were undoubtedly the same person), had a very similar writing style to the UAE collectors...Not quite sure what they were trying to get say or achieve.

 

Wakanda is right in that IDR will send you letters etc while they assess...which is obvious as they decide who has some assets they can get some money out of. However to say its inevitable is nonsense. I lived in Dubai for 20 years and know about 20 people in the same position and none have had anything more than emails and letters. Large sums involved. If you start talking to them it puts you at the top of the list.

 

 

 

 

 

[dx100uk]

well they've gone home from work now

must have been a quiet afternoon in the fleecers offices today.

?

might be a solicitors touting for business who knows.

some of what they said as you say is ok but the bits about being arrested and go get a solicitor make my teeth itch.

always the same mantra too.

 

not sure i agree with your last line about puts you at the top of the list mind...

 

dx

[dubai 5 0]

yeah talking to a solicitor over there is only necessary to get a reduced bill and proper  legal clearance which you might want if you wanted to return to work there. 

 

Edited March 21, 2023 by dubai 5 0

[Wakanda]

Dubai 5.  

 

I just went through this whole annoyance and used a UK solicitor who obtained 3 clearance letters for me.   You can specify exactly what you want in a settlement.  

 

My solicitor was fantastic in identifying the missing elements that fall under the UK consumer credit act.   Nonetheless I found that I did actually owe something.  I managed to get the claim reduced to 1/4 of the original claim!      

Sadly,  you are seeing busy body people giving you very bad advice on this forum.  

IDRW or whoever they claim to be do have legal power to start a UK action.  

You can only buy so much time with these cases….your main priority is your sanity!    

Ask ANYONE else who has actually been through this how they escaped a CCJ - the answer will be either a payment plan,  move to China or accept a CCJ!

 

For what it’s worth.  

 

I paid a UK solicitor just over £1k in total to

write a defence,

file everything,

demand disclosure of documents,

identify fault and failings of the bank,

 provide a legal opinion before entering into negotiation,

then complete all the legal court papers and obtain UAE clearance letters!  

 

I was facing legal costs from IDRW that were £20k alone had I elected to go down the defence route.   

Had I proceeded with the claim my own legal defence would have been £10k - £12k due to the high cost of the claim.  

 

I settled for less than my predicted legal costs.    

The relief I feel now is like having a new lease on life.

 

I’ll more than happily tell you the full story,  but I too looked at this forum prior to my conclusion.    

The BS opinions of some regular posters has proven to be completely false.

[dubai 5 0]

Wakanda, how much was your debt?

 

would love to hear the story and process.

 

There is so little info on the process from people who have been through it.

 

One pal of mine paid 70k instead of 200k and got a royal pardon signed by Sheik Mo as it turned out HSBC had a case and he'd been convicted several years later.

[Wakanda]

It was just under 200,000dhs according to them.   Hence why they wanted to go down the expensive route in UK court.

 

In my case the bank sent documents to a previous employer where I had no access to.  

 

It could have voided the late fees and charges under UK law,  but the problem then would have been the costs to defend and their costs to make the claim.

 

 IDRW have a fee of £7k to take on these cases

Edited March 21, 2023 by Wakanda
Error

[dx100uk]

you didnt need to come here firing arrows

 

i've created your own thread.

 

please continue your story.

 

here

 

4 hours ago, dubai 5 0 said:

would love to hear the story and process.

 

There is so little info on the process from people who have been through it.

yes please and with some docs inc 

 

i d also love to know what enforceability under our consumer credit act has got to do with a foreign credit card or loan debt? 

 

please explain.

 

dx

 

[dx100uk]

10 hours ago, Wakanda said:

That said any legal case must still meet the same requirements as any enforced debt recovery in the UK.  

Any failings in relation to the UK consumer credit act would make a case equally inadmissible in UK courts.

 

please provide proof that the UK consumer Credit Act 1974 is Applicable to Foreign consumer credit debt before the UK court system?

 

10 hours ago, Wakanda said:

my simple advice to give you time is demand FULL disclosure of all documents.  

While this is being done, absolutely no action can be taken by IDRW.  

 

old wives tale that goes back almost 15yrs on CAG, but is again related to the UK consumer credit Act question. it is not true that if a credit agreement is regulated by the CCA , all action must be stopped.

 

10 hours ago, Wakanda said:

Documents should be on bank headed paper and you do not need to accept print outs!  

 

not sure what you mean by this

 

10 hours ago, Wakanda said:

There are too many scam companies out there that claim to be experts on negotiation

- avoid them and get a REAL solicitor!    

 

i actually wonder if you really just found one yourself too just in another type of sheep's clothing.

 

9 hours ago, Wakanda said:

If you need freedom to travel through GCC countries or need to maintain your credit then you need to ask for a settlement plan.

 

Interpol have not enforced travel bans for many years, again another old wives tale.

 

9 hours ago, Wakanda said:

IDRW will try to back door a CCJ via old addresses if you ignore it.  These judgements CAN and will be enforced with bailiffs.

 

Only the Claimant can do that, the original Creditor, the bank, not IDRWW they can never be the claimant.

as for bailiffs, this is a consumer debt, there is never any right of forced entry on UK judgement for consumer debt CCJ's, be them Court or HCEO bailiffs.

 

9 hours ago, Wakanda said:

getting a letter is a LETTER of demand!    It forms the pre-action protocol for court action.  

 

if entitled a letter of claim, with a reply pack- it should never be ignored.

 

6 hours ago, Wakanda said:

used a UK solicitor who obtained 3 clearance letters for me

 

you mean settlement agreements, who with the OC or the fleecers?

 

6 hours ago, Wakanda said:

My solicitor was fantastic in identifying the missing elements that fall under the UK consumer credit act.

 

really? the UK consumer credit Act 1974 is applicable to a foreign consumer credit debt just because they are trying to use the UK legal system?

like to see evidence in writing of that.

 

6 hours ago, Wakanda said:

I managed to get the claim reduced to 1/4 of the original claim!  

 

i would suspect this was their fake interest because you guarantee cheque you gave them at take out failed and bounced? so supposedly allowed them to add almost 1500% scam interest they quote if you run away from UAE?

 

6 hours ago, Wakanda said:

IDRW or whoever they claim to be do have legal power to start a UK action.  

 

nope they can never be the claimant.

 

6 hours ago, Wakanda said:

For what it’s worth.  

 

I paid a UK solicitor just over £1k in total to

write a defence,

 

a defence for what, did you ever actually get a UK court claim or a statutory demand that was prove registered in a UK court?

 

6 hours ago, Wakanda said:

then complete all the legal court papers and obtain UAE clearance letters!  

 

not sure what UK legal system does the above, or what you mean, please expand with documentary proof.

 

6 hours ago, Wakanda said:

I was facing legal costs from IDRW that were £20k alone had I elected to go down the defence route. 

 

defence of what, in what court?  please provide a breakdown of these £20K costs IDRWW sent you and which court did they send them too?

 

...................

 

i will let you reply

but i've a funny feeling you got had blind here.

 

help us to help you and others

scan up your PROOF DOCUMENTS.

 

i doubt you ever had a UK court claim and one was never ever being raised.

just scam letters from IDRWW and you found a sols that had these wonderful ideas.

 

but please PROVE ME WRONG.

 

but this must be by documentary EVIDENCE not just your musings.

 

 

 

 

 

 

 

 

[dubai 5 0]

DX - UAE shares all details with the rest of the GCC and therefore you will get arrested if you pass through any country in the region - nothing to do with Interpol.

 

Clearance wise if you were want to return to work in the UAE you would need to make sure the police and all cases have been properly cleared and you have a legal letter with you when you travel at least the first few times to produce to make sure you're not banged up for 3 days while they work it out

 

lol.

[dx100uk]

nope - old wives tales again entering ...sorry.

but please dont take this as me stating everything you have ever stated is wrong, just like wakanda, most is correct

just you are falling for the crap written on certain sites.

 

unless successful legal action has been taken by the bank and in the banks originating country, you wont get stopped (by anyone - yes i agree a stupid idea to risk it..) .

 

the latest scam these wonderful solicitors and certain UAE websites are peddling is this misunderstanding about clearance letters...

unless there has been a SUCCESSFUL UAE COURT CLAIM.. you do not need one...nor should you have to pay to get one , its free from your bank..

 

but you dont even need one just because you have a UAE debt! 

 

there is also the new scam going around about you need a' clearance letter' BECAUSE the cheque you gave the bank upon credit takeout (card/loan) has now bounced so you are automatically barred from travelling 

 

but if you sign up with us these magic people they can reduce your debt (because the scam 1500% interest has been added to your debt due to the bounced cheque) and stop this taking you over some mythical total sum value that automatically bars you from travelling though a country... sorry that a scam too.

 

dx

[dubai 5 0]

trust me DX if they raise a case against you, you can be stopped, simple as. The systems dont work so straight forward over there....So you need that letter otherwise you can wait 4 days minimum until things get cleared up. having spent 30 odd days for something already sorted, banged up doing just that I can speak from experience! 

 

the funny thing is the law changed years ago that they weren't allowed to take cheques....but they still do and they still use them.

 

Security cheques cannot be used to arrest defaulters | Government – Gulf News

GULFNEWS.COM

---

The UAE no longer considers a bounced security cheque as a criminal offence

 

Edited March 23, 2023 by dubai 5 0

[dx100uk]

[dubai 5 0]

it gives an insight into how IDR do their business with some nonsense 'expert legal opinion'. they pick and choose bits that suit their purpose and get away with it....when there are equally contradictory laws etc but unless presented they baffle the judges here.

[dubai 5 0]

wakanda...where are ya? personally I need your story! did you have assets etched did they go after you etc.

[uaenomore]

This is all very interesting. Re the issues at GCC airports, that is accurate - it does happen (has also happened to me) when there is a case on the system.

 

I must admit I did not know about the blank cheque thing being made illegal in/around 2013! The banks were all pushing for these when I was there after 2013, every single one.  I know at least one of them (ADCB) pushed the cheque through the courts as well and filed a criminal case which was heard without me being there....reading that article quoted above, how is that even legal?!

 

I suppose the fact is, no matter what the rules...these places are as CORRUPT as it gets. They just get their mates to file a criminal case and a friendly judge to pass it through before they go and get drunk after...disgusting place.

[Wakanda]

I’m really curious as to why dx100 would even have the power to block and delete my very honest feedback on how I dealt with IDR debt.      Is there a connection?  I wonder who really works for who?  Are too many people being duped by this very forum?

 

folks….do not ignore any threat.  Call a local solicitor and ask for advice!  It’s cheap!   £200 or less!   Do not simply ignore any letters because that’s the big gotcha!   That’s what they NEED you to do!   UAE debt enforcement MUST fully comply with UK laws to be able to go through courts in the UK!    
 

also,  do not be sucked into these debt resolution services that promise to fix things and have ZERO power to do a single thing.     

[BlueNoseBear1987]

Rather trust Dx's advice than yours. I wouldn't pay a Solicitor and that's not even cheap at £200.

[Wakanda]

How bizarre!   Keyboard warrior with so many posts?    This forum should really attract the attention of BBC ripoff Britain to expose the actual scammers!     
 

Anyone that states “don’t seek a proper legal opinion” has something serious to hide!

[honeybee13]

Perhaps you would like to elaborate on your last last post, Wakanda?

 

HB