Dubai Debt chased by 3 banks

[Wicked sinner]

Hi

 

I left Dubai in 2017 but continued paying to 2 of the banks however due to certain personal circumstances couldn’t continue.

 

One of the banks whilst I was in Dubai did a criminal case on me and I paid the fine for it but now all three are chasing me here through IDR and judge&priestley.

 

I responded to J&P as they are solicitors.

I wrote to them using a template from on line and received a letter stating they are instructed on behalf of emirates nbd and the balance is being pursued under the law of uae and is not covered by cca 1974. the bank is pursing the matter in the jurisdiction of their choice (uk) .

 

they have placed the file on hold till they get the contract copy and statements to prove the clients claim.

 

I want to settle this but not sure should I continue with them or write to the bank for settlement figure .

 

I am scared if the bank has done a case and they will take the money and not give me clearance..

 

anyone had any experience or advice please much appreciated.the other banks are still chasing through IDR 

[dx100uk]

you always deal directly with the banks not scamming solicitors unless they send you a letter of claim.

 

the bank that had the claim in UAE, have no additional powers in the UK 'because' they got judgement there 

they will have to start a UK claim themselves through a solicitor.

 

J&P are relatively new kids on the block and have always been run of the mill scammers that are just scrapping the barrel to make a living on debts other wont though with a barge pole.

 

dx

[dubai 5 0]

my good mate had a a case and was convicted in his absence and without knowing. 5 years later he wanted to return as had a good job offer. he got a lawyer in UAE who did a good negotiation and handed over the money in return for the clearance letter and a pardon from the govt so no need for the jail sentence. he is currently in and out of the Uae no issues.

[dubai 5 0]

with regards j and p were you receiving generic emails from the company or ones from a specific person?

[Wicked sinner]

J & P sent me generic emails and texts and then letters saying 2nd attempt and if no contact was made they would start legal proceedings. I wrote to them requesting info under s77 of the consumer credit act sending them £1 postal order 

[dx100uk]

as they say CCA does not apply. deal ONLY with the banks directly if you wish to try settlement.

 

ignore block and bounce ALL texts and emails and phonecall...not a legal way to contact you.

 

until or unless in the POST someone sends you

a letter of claim with a reply pack

a court claim from northants bulk court

a statutory demand (of which 9/10 are FAKE with no intention of ever filing with a court )

 

IGNORE them.

 

but ENSURE the BANKS have had your correct and current address from YOU in writing IF you've never WRITTEN telling them where you are now

to protect against backdoor CCJ and other litigation.

 

read as many UAE threads here as you can +50

but REMEMBER many are from or probably contain scammers postings that are working for the fleecers or have already been given backhanders to settle and post their stories..

people LIE.

 

ask away here with any questions.

 

dx

 

 

[Wicked sinner]

Thank you all for sharing your experiences and for the suggestions.

 

I am wanting to settle this and want to write to emirates nbd for a settlement figure minus all charges.

 

A lump-sum payment which I can afford and get rid of this .

 

Anyone has any templates or sample letters they have used that they can share?

 

I asked a legal company and they are charging £4095 for sorting all this out for me with all 3 cards.

 

I figured why pay them maybe I can do it myself and settle.

 

Please if anyone has any templates please share.

 

Thank you 

[dx100uk]

You don't need a temple, you can't get anything simpler than stating what you want to do. You can't get anything 'wrong'.

Ensure they remove their fake interest 

 

 

Dx

[Wicked sinner]

Hello everyone.

Update 

I have now received a copy of my contract from one of the banks EmiratesNBD . I read through the T&Cs but could not find jurisdiction clause Judge & Priestley referred to .. they said it was under the general t&c on emiratesnbds website. 
If it’s not in the agreement is it still enforceable?  any thoughts ? the agreement just said they can pursue the debt in accordance with the applicable laws or regulations !

[dx100uk]

if your T&C's for the time of sign up dont say anything regarding jurisdiction then they cant enforce it in any other international nor UK courts.

 

dx