Hi Everyone,

Need a little advice if its out there, I have been back from Dubai for 2 years and have recieved a letter from a solicitor in the UK representing NBD bank chasing a credit card balance.

Has anyone else had this expereince and is there any way of fighting it. I was there for the crash and like most other people lost my job and missed 2 payments on a personal loan. I found other employment and sorted the arrears imediatley and continued life as normal, except NBD would not lift the case they had put on me. Eventually I escaped into Oman but was caught trying to leave through Muscat airport and ended up doing 4 months in jail back in Dubai.
I am willing to make my self bankrupt before I pay them a penny - can anyone advise me on who I can talk to in order to fight this...?? Stressed and desparate...!!!

Phil

Can I clarify something? Have you repaid the capital?

Hi,

Thanks for the reply,

Once I was released from Central Jail, which was a Thursday afternoon I had to wait till Sunday to see imigration to check if I had any travel problems, as I had been in jail for 4 months there was every chance of another case against me, as there wasnt I got a flight that morning and left. So I would suggest the answer is no.

Once I was released from central jail I got out of the country as quickly as I could. I was released on a Thursday and left on the Sunday once confirming I had no other travel issues with immigration.
So the answer would be no.

sorry for double reply, thought i had deleted my first message by accident.

Ther bank will, quite rightly in most people's opinion, expect you to repay the capital owed. if you make an offer to do that, or at least pay part of it, then the matter can be resolved. If that's the case, I may be able to help you.

How much was/is it they are after?

Some nosey so n so's

If he's willing to tell us he was in jail, he'll be willing to tell us how much it was over....surely.

Then we can all gossip!

I'm more intrigued by the news that Muscat airport authorities have lists of UAE absconders.........

I always thought when you did your time here, you either didn't get out till the debt was paid or when you were let out it was cancelled

That's what I thought.

The offence is bouncing a cheque, the debt is still there but the bank must take a civil case against you to try to recover the amount, this means that they have to pay (I think) 20% of the full amount to the court just to be able to open the case. Banks are covered by insurance so the insurers (allegedly) pay up, they can then theoretically chase you for the debt, but again would have to pay 20% as it is now a civil case.

Re OP, the debt is non enforceable in the UK unless you enter a repayment schedule and default on it, let's face it, if you went to court in UK over this and explained that you'd done 4 months in a Dubai Nick, I'm sure they wouldn't award the case to the Bank.

Write them a reply that states that they do not have a legally enforceable debt in the UK, and that you will pay them nothing.

Thus both acknowledging the debt and refusing to make terms at the same time.

NOT a smart move legally.

you could of course also just contact them and pay your ****ing debt of