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Hello my name is ***** ***** I will help you with this.
Is any agreement signed governed by UK law?
I dont think so. I took the cc out in Dubai.
Ok. Then the good news is that generally it can not be enforced in the UK
Debts can be sold to UK agencies, but they can't be enforced here.
Today they wrote to me about the settlement amount and said 'the account qualifies for legal contract as well, which we may initiate if payment processed as per settlement offered' - Ive no idea what that means
If proceedings were issued it could be disputed on the grounds of jurisdiction, that is its not a UK contract
As such that being the case it can not generally be enforced here.
It looks like they are trying to get you to agree to a UK contract
If you do, it could be enforced here
If you do not, then it would be very difficult for you to enforce it here
That's a relief. I gave me [ex] Partner power of attorney to deal with sorting this out but needless to say he hasnt and wont even reply to me now.
Can I clarify anything for you about this today please?
Is there some sort of reciprocal agreement that HSBC /banks have about chasing you around the world tho?
Not that I have seen. There has been talk of an agreement between the UK and UAE but its not law.
In any event unless you agreed for UK law to apply or to be enforced here then it can't be
You needed to agree to that
Does that help?
Yes Alex, thanks.
So if eventually a credit agency gets in touch I should, ignore them?
tell them Ive got nothing?
Yes indeed. It cant be enforced
Sounds so straight forward and Ive been stressing about it for months
Thanks Alex, you've put my mind at ease. I dont think I have anything else I need to ask you right now.
Happy to help. If I could ask you to rate my answer before you go today, the button should be at the bottom of the screen
If you need more help please click reply
I will - thanks. OK, noted