Mishelle

Two other further points:

a) In 3-5 years time for example the debt would carry on going up through yet more interest.
b) Any changes of law or situations in the future for argument sakes, would that mean the debt to be dealt with retrospectively?

I made payments for 8 months totalling half the initial debt, when I called to get a figure to clear the rest, I was told the debt had not gone down due to their raising of the interest rate without notice or warning which they never told me about, hence I stopped. The long and short of it is I just want to make sure as one possibly can that the UK debt collector can't be able to enforce it through summary judgement as due to the fact that I live here, the jurisdiction is argued to be here. Sorry to repeat myself, Am stressed.

flood2

I think the advice given seems to indicate that they cannot legally pursue you in UK. I am also sure that legislation cannot be introduced to sort old debts that were not paid in UK, let alone in the UAE.....

It may be worth speaking to your local Citizens Advice in UK to give you reassurance about this.

I would maybe also look at debt forums in UK such as www.consumeractiongroup.co.uk to search for other people in the same situation as you.

You will have the name of the UK debt recovery company, that are chasing you, and search on the CAG forum about their methods. This can throw up what the chancer's are up to. This is what the debt company are. They have bought your account for next to nothing and will hope that a few will panic and pay.

I am sure you will be fine.

The Dean

Don't worry - take the very sensible steps that have been suggested here. Do NOT however simply ignore it and do nothing - take them on.

Millsyisland

And don't fly anywhere that goes anywhere near the UAE and could potentially involve a stopover if the plane has to divert. Could get a bit messy.

Jammy_Dodgers

Disagree.. I know people with multiple police cases that have come back and worked in Saudi, Doha and Oman...They also regularly transit through Abu Dhabi (as transit passengers do not go through immigration)

I will concede that if for any reason a flight has to divert and land in Dubai/ Abu Dhabi, and you have to go through Immigration then you could be in trouble..


OP : Seriously, your worrying about nothing... you have already been given advice... phone up the debt collectors and ask them:

1. Under what jurisdiction are they operating

2. Considering you have breached no UK contracts, what rights do they have to pursue.

3. ask them which statue, Law or act are they using to enforce collection.

4. Ask them that considering you breached a UAE Contract, Under UAE Law... what rights do they have to collect outside of this jurisdiction.


If they cannot answer these questions clearly, ask them if it is ok for your lawyer to contact them directly to resolve, but let them know they will be responsible for all legal costs should they be misrepresenting themselves..[/B]

britexpat76

Absolutely correct. The notion that the GCC is all linked is shite. You can ban someone from the whole GCC but you have to go to court and the fees for ban and court are @50k. If your debt is worth substantially more than 5x that then it may be worth doing it.

dubaiguy2011

Am laughing at all the legal advice being offered here by people who clearly know fvck all... Gotta love self qualified legal advisors.

A debt is a debt. They can enforce against you in UK to the extent they follow proper procedure (which I'm not about to go through here). A contractual obligation - i.e. your promise to repay the credit on demand (read your cc agreement) can be enforced against you in the UK, again to the extent proper procedure is followed.

The best advice you have received thus far is:

1. Don't ignore this;
2. Tackle this head on;
3. Establish the basis upon which they are saying you have to repay and they will enforce against you in the UK - i.e. get them to justify their case against you;
4. Speak to NBD and negotiate a settlement.

Good luck and sorry to hear your plight, albeit WTF were you thinking paying your rent on a CC??????

Bahtatboy

Which sounds suspiciously like you don't know what it is. Go on, prove me wrong.

Meow

People who know f... all?

Kix

You are wrong, they cannot legally enforce you to pay unless they get a County Court Judgement in the UK. And they cannot get that because it is out of their jurisdiction.

britexpat76

I know that is wrong, they can get a Judgement in any country, You can find that on google.

Dubaiguy certainly doesn't need me to answer on his behalf, but on a Bored where people are on the whole anonymous - If someone who is not exactly a regular poster says something with some weight he may well know what he is talking about.

Edit- I would certainly take his advice.

Theseus

Seconded

Kix

Not often I say this but....

I could be wrong!

http://www.lavellecoleman.ie/cuuploa...ndandWales.pdf

britexpat76

This is one of the ones I found

http://www.justanswer.com/uk-law/47w...dit-cards.html

I think Mishelle is on a sticky wicket.

Edit- Proves everyday is a school day. I initially thought it would not be possible to chase a debt in a foreign country as that is the general line taken by people caught up in 08/09. The banks seem to be sorting themselves out now and chasing the Tens/Hundreds? of millions owed to them by people that bailed out and left us in the brown stuff. FAir play I say if it brings the current rates down and improves their shite service.

The Dean

I think the crucial clause in that is this one:

the judgment is not for a liquidated sum of money. It should be noted that a
foreign judgment can only be enforced in England and Wales if it is finally
quantified

In Mishelle's case, they have continued to charge her penalties and interest etc without ever informing her - presumably the UK court would want to see a fixed sum if a case came before them?