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  • FIRST POST
    • garytryingtosave123
    • By garytryingtosave123 14th Feb 17, 8:25 AM
    • 7Posts
    • 3Thanks
    garytryingtosave123
    Credit Card Debt from the UAE
    • #1
    • 14th Feb 17, 8:25 AM
    Credit Card Debt from the UAE 14th Feb 17 at 8:25 AM
    Hi All,

    I worked in the United Arab Emirates in 2007 - 2008 and due to being made redundant i had to use my UAE credit cards to get my wife and children back to the UK.

    I didn't hear anything regarding the credit card debt until last week when a UK Solicitor contacted me to say that they are taking me to court and filling for bankruptcy.

    They say that the Limitations Act 1980 does not apply because the debt is from the UAE.

    Having spoken to CAB and National Debtline they say this is a grey area in UK law and more and more people are being prosecuted.

    I have also been made aware that if you are made bankrupt in the UK this does not wipe your debt in the UAE. If you return to the UAE you would still be arrested for leaving the debt and thrown in jail.

    Are there any specialist UK Solicitors that can help with this matter?
Page 1
    • DCFC79
    • By DCFC79 14th Feb 17, 8:39 AM
    • 29,946 Posts
    • 18,968 Thanks
    DCFC79
    • #2
    • 14th Feb 17, 8:39 AM
    • #2
    • 14th Feb 17, 8:39 AM
    I Dont believe you can be bankrupt in the uk for a UAE debt unless theres some agreement in place.

    Do you want to pay the debt or not ? Must be alot if a solicitor is involved.

    Depends i you want to return to UAE in the future.

    There are specialists but I dont believe they are on the forum, you will have to seek 1 out yourself.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • bengalknights
    • By bengalknights 14th Feb 17, 8:55 AM
    • 4,109 Posts
    • 1,504 Thanks
    bengalknights
    • #3
    • 14th Feb 17, 8:55 AM
    • #3
    • 14th Feb 17, 8:55 AM
    As its a foreign debt they can only pursue through the courts who can then decide what action to take, however its unlikely you would be bankrupted over it and it cant affect your UK credit record.
    • agrinnall
    • By agrinnall 14th Feb 17, 9:35 AM
    • 18,405 Posts
    • 14,119 Thanks
    agrinnall
    • #4
    • 14th Feb 17, 9:35 AM
    • #4
    • 14th Feb 17, 9:35 AM
    Why don't you just pay it, then all the problems would go away?
    • garytryingtosave123
    • By garytryingtosave123 14th Feb 17, 9:36 AM
    • 7 Posts
    • 3 Thanks
    garytryingtosave123
    • #5
    • 14th Feb 17, 9:36 AM
    • #5
    • 14th Feb 17, 9:36 AM
    The original debt in 2008 was just over 5000, they are now trying to say that I owe over 60,000.
    • garytryingtosave123
    • By garytryingtosave123 14th Feb 17, 9:36 AM
    • 7 Posts
    • 3 Thanks
    garytryingtosave123
    • #6
    • 14th Feb 17, 9:36 AM
    • #6
    • 14th Feb 17, 9:36 AM
    Why don't you just pay it, then all the problems would go away?
    Originally posted by agrinnall
    I don't have a spare 60K in my back pocket!
    • Marchitiello
    • By Marchitiello 14th Feb 17, 9:59 AM
    • 253 Posts
    • 91 Thanks
    Marchitiello
    • #7
    • 14th Feb 17, 9:59 AM
    • #7
    • 14th Feb 17, 9:59 AM
    Check reply 5 on page 2 of this thread if it is the same sollicitor firm CCI http://forums.moneysavingexpert.com/showthread.php?t=3625183&page=2#topofpage

    I am not an expert, but whatever T&C you have signed, unless it is with a UK based bank, I do not think it should be enforceable here.
    • garytryingtosave123
    • By garytryingtosave123 14th Feb 17, 10:09 AM
    • 7 Posts
    • 3 Thanks
    garytryingtosave123
    • #8
    • 14th Feb 17, 10:09 AM
    • #8
    • 14th Feb 17, 10:09 AM
    This isn't a UK Bank, and the solicitors firm is Coyle White Devine, if you look at there website under Banking litigation it states "We are currently securing approximately 25 to 30 UK Court judgments each month for our UAE banking clients including American Express, Emirates NBD, Rak Bank, Mashreq Bank, First Gulf Bank, Standard Chartered Bank and Abu Dhabi Commercial Bank."

    I would be interested to hear from anyone else that is being chased by them.
    • prenton01
    • By prenton01 14th Feb 17, 10:12 AM
    • 175 Posts
    • 74 Thanks
    prenton01
    • #9
    • 14th Feb 17, 10:12 AM
    • #9
    • 14th Feb 17, 10:12 AM
    Lived in Dubai for a few years left in 2012

    The cars that were left in the airport with keys in were unbelievable lol top end porsche to lexus everything.

    All from people who had lost there jobs and were fleeing back home
    No Unapproved or Personal links in signatures please - FT3
    • SPalin
    • By SPalin 14th Feb 17, 11:47 AM
    • 145 Posts
    • 26 Thanks
    SPalin
    Why would your local court would accept jurisdiction?
    • garytryingtosave123
    • By garytryingtosave123 14th Feb 17, 1:15 PM
    • 7 Posts
    • 3 Thanks
    garytryingtosave123
    Why would your local court would accept jurisdiction?
    Originally posted by SPalin
    Im not sure, that's what I would like to know
    • Westminster
    • By Westminster 15th Feb 17, 6:43 AM
    • 783 Posts
    • 466 Thanks
    Westminster
    As a pilot there is something else you may wish to consider.

    You should be extremely cautious about buying any flights which pass anywhere near UAE airspace as Dubai is a very convenient en-route alternate for technical or medical issues and even if you are on a BA flight to the Maldives (for example) which diverts to Dubai, you will end up in prison.

    Something to consider if you are unable to resolve this fully.
    • garytryingtosave123
    • By garytryingtosave123 29th Mar 17, 5:35 PM
    • 7 Posts
    • 3 Thanks
    garytryingtosave123
    Well following my court appearance today. I can confirm that you can be declared bankrupt in the UK for debt in the UAE. This country is a joke especially when UAE law overules UK law. Limitations Act does not apply.

    No contact in 9 years! Declared bankrupt.
    • IAmWales
    • By IAmWales 29th Mar 17, 6:07 PM
    • 1,171 Posts
    • 2,518 Thanks
    IAmWales
    Well following my court appearance today. I can confirm that you can be declared bankrupt in the UK for debt in the UAE. This country is a joke especially when UAE law overules UK law. Limitations Act does not apply.

    No contact in 9 years! Declared bankrupt.
    Originally posted by garytryingtosave123
    Presumably you took legal advice on this, what has your solicitor said?
    • jadex
    • By jadex 29th Mar 17, 6:17 PM
    • 651 Posts
    • 276 Thanks
    jadex
    Are Coyle White Devine happy guys now?
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