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

[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

 

 

 

[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

[dx100uk]

[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

[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.

 

 

 

 

 

 

 

 

[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

[dx100uk]

[dx100uk]

FWIW... there are no posts hidden or otherwise .

threads merged for complete history.

 

On 21/03/2023 at 15:19, dx100uk said:

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

 

CAG's  good advice must be still working then...

[dx100uk]

not touting for business are we?

 

dx

 

[dx100uk]

we are free

we dont get paid

and if you search a good few threads here..

we always tell people its against site rules to allow sols recommendations.

 

also we're all a bit puzzled as to how the UK Consumer credit Act applies to a UAE agreement.

1st we've ever heard that one since we came about in 2006.

 

it also crosses users minds here that you might now be having regrets about believing your sols and getting had blind, but can't just quite fire your arrows in the right direction.  bit like a certain ex president and a certain 'sollen' election....

 

there are no posts/threads here that have ever said specifically to totally ignore UAE debt chasers.

we'll you do till you ever get a letter of claim or statutory demand in the POST (though 9/10 they are fake) or a court stamped claimform.

 

dx

[dx100uk]

who is saying this?

this wonderful solicitor that appears to have scammed you?

 

you still have nottold us the full story with proof of court papers and witness statements that this really did happen to you?

 

how do you ever expect anyone to believe you or p'haps help you till you do?

 

it could all be a wind up upon your behalf as you are another of the patsy case that got a bigger backhander from the scammer to take a hit than what you really did have to pay.

 

we've seen 4 threads like this here in our years that turned out to be paid patsy's on UAE debts claim

 

dx

 

[dx100uk]

2 minutes ago, Wakanda said:

I’ve already shared my experience HB.   It was simple!

 

opps nail hit on head....

[dx100uk]

1 minute ago, uaenomore said:

4. Who did you contact? How did you contact them? What did you send? What was their response..

Etc etc etc...

 

No adverts please we dont need their details.

 

 

 

 

[dx100uk]

 

but but but ...sir.. UAE debts are not covered by the UK consumer credit act 1974, its not written or mention in the agreement you signed as it was signed under UAE law.

 

 

 

 

 

 

[dx100uk]

so you won the case using this point then in court?

 

and even if they are, what difference does it make?

not all our consumer debt is covered by the consumer credit act, so how does that work in our court then, let alone a foreign debt that doesnt even mention the UK Consumer credit act 1974?

 

somethings not right here but i just cant put my finger on it...

did you win or lose...

 

court documents please.

 

almost time for you to leave work isnt it.

[dx100uk]

still avoiding the real proof then.

 

sorry marks you as another UAE scammer in our books

 

everyone else has put up their docs suitably redacted.

 

we dont say ignore their letters . i expect youve now left for home .

 

dx

 

[dx100uk]

50 minutes ago, BlueNoseBear1987 said:

 

You got proof the team on CAG use their details?

erm if you cant see them we cant either...

 

bazaar thread from the start.

 

 

[dx100uk]

alias?

 

you can only have one username here.

 

what are you babbling on about now?

 

 

falling apart at the seams here.

 

so are you going to go get all this money you've been scammed out of back or just keep winging you got had by blaming this forum

 

dx

 

 

 

[dx100uk]

On 21/03/2023 at 17:47, Wakanda said:

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!  

 

On 21/03/2023 at 19:00, Wakanda said:

It was just under 200,000dhs according to them.

 

i don't think you ever went near a UK courtroom door did you?

 

their sols could see they were onto a good thing when they got contacted about their clients supposed debt and its failures under the uk consumer credit act claim from your sols.

 

the bank removed their unlawful interest they'd added because the cheques bounced and you thought you were onto a good 'en so accepted the settlement plan and the clearance letters. 

 

dx

[dx100uk]

6 hours ago, Wakanda said:

Not all our clients are covered by the consumer credit act

 

6 hours ago, dx100uk said:

not all our consumer debt is covered by the consumer credit act,

stop changing my words. our as in UK debt which means as you say below.

 

6 hours ago, Wakanda said:

Well,  “not all debts are credit agreements” you should have added!

 

 

6 hours ago, Wakanda said:

For ANY case from dubai to be enforceable in the UK it must comply with the law of the UK.

correct - UK law - which is nothing to do with the UK consumer credit act which is not enforceable on foreign debts - you got had blind and paid £1k to get led up a path.

 

find me ONE foreign debt court case ANYWHERE in the UK justice system at any time, that mentions the consumer credit act 1974 in its judgement for or against. there is not one. utter total BS.

 

 

 

4 hours ago, honeybee13 said:

Perhaps someone could explain to me how Bluenosebear managed to log on as dx please?

 

HB

@honeybee13

 

where?

 

dx

 

[dx100uk]

no he got scammed.

 

dx

 

[dx100uk]

6 minutes ago, Wakanda said:

I read a lot of BS on this site,  spoke to several scam companies, and was luckily guided by a proper solicitor who correctly identified that NBD were in breach of the UK consumer credit act to proceed with a case.  

 

uk credit act does not apply to foreign debts.

 

7 minutes ago, Wakanda said:

You can approach your creditor/bank and ask for information and a very low payment plan even if it takes you 100yrs to pay off!

 

as we state on every thread related to a UAE debt including this one.

 

8 minutes ago, Wakanda said:

I hope you get to read this info before they delete the truth!   

 

we have not and do not delete anything.

 

dx

 

 

[dx100uk]

nope it does not.

 

7 minutes ago, Wakanda said:

You also admitted that it does for some people!  Your own post!

 

where?? never for a foreign debt. there is not ONE uk court case on a foreign debt where it has even been mention in judgement, witness statements nor defence.

please go find one. 

 

8 minutes ago, Wakanda said:

You are giving completely false information

 

nope.

 

you got had as i explained on your thread.

the arrangement you and the fleecers agreed to had zero to do with anything related to any court hearing at all and certainly not one whereby the claimant agreed they had to abide by the UK consumer credit act.

 

they simply removed their fake interest because your guarantee cheques bounced as they do. you thought you'd got a deal....

but as everyone else is saying, you've not posted up one document to prove anything of what you state.

 

as far as your usefulness to users of CAG that have a like UAE debt see, you've entered into a payment arrangement. 

got had.

 

no SD

no letter of claim

no court claim.

 

dx

 

 

 

[dx100uk]

but what post was  @honeybee13  referencing?