Coyle White Devine Solicitors is Trying to Collect My Dubai Debt in the UK. – Robbi

“Hi Jon.

Debt in Dubai I am sure you have heard many. I am in a situation that for 2 years I have had to fight all the collection agencies, banks abusing me and threatening me here in the UK whilst trying to pay my debt off.

I owe nearly £80,000 a lot and I do not think I will ever be able to pay this with the interest. Recently Coyle White Devine solicitors who seem to have jumped on the bandwagon on collecting debt from UK nationals who used to live in Dubai contacted me and issued me with one banks debt.

I have replied to them asking for all my documents and also asked under the treaty which they say they can collect the debt if the law also takes into consideration the abuse and threats I have received also. I understand i have to pay a debt but its in the UAE and i think it is unfair that they can enforce a CCJ on my file for that yet get away with having the banks and collection agencies in Dubai abusing people.

Hope it makes sense

How can a debt registered in the UAE be enforced in the UK and have a CCJ put on your file from the UK Based solicitors without taking into consideration the unlawful tactics used by the banks and collection agencies ?”


Just a couple of questions.

I am assuming you are now living in the UK?

Have you discussed any repayment options for the debts? Can you afford to repay anything?

I cannot comment on unlawful tactics used to collect a debt or any thing dealing with the law, however if a debt is sold from another country to a collector in the UK, they own the debt and can then collect it in accord with the laws of that country. Which for UK residents is better than trying to have it collected in some countries where the collection practices are harsh, and prison may be involved.

See also  I'm in the UK And in IVA But Wonder if Actually Filing Bankruptcy Would Be Better. - Sarah

If this solicitor’s office own the debt, then they can collect it here in the UK. This also allows you all the “debt scheme” resources available to UK residents. This means you can look at debt management plans, Individual Voluntary Arrangements, or possibly bankruptcy. All of which can help you either repay the debt, or have it discharged.

Let me know, and we will look at this in more detail.



Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.

Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form.

24 thoughts on “Coyle White Devine Solicitors is Trying to Collect My Dubai Debt in the UK. – Robbi”

  1. Hi Carl. Email me rgaine@yahoo.co.uk so we can talk. I am half way through with CWD so would be interested to see what you offered and what they rejected. This is a disgrace. I have a meeting with my MP next week and also. Solicitor who has been in the industry for 25 years. I have contacted the daily mail and I will not stop until someone hears this and understands the full story. To date I know a lady that is paying CWD yet still gets harassed by collection agencies in Dubai. How can This be fair ? This is breaking every law possible the abuse I still get also. Yet CWD do not care about this they just boast at how many judgements they are giving out etc etc and no one can defend themselves and this is not right.

    I would rather go bankrupt than pay them or the banks back after the abuse I received and still received

    • Hi there

      I have been following a number of the
      consumer forums where people have been posting their plight of being
      harassed and chased by CWD.

      situation is that I am still being pursued by the local banks and DCA’s
      in UAE as my debt is quite recent but I am fully expecting that it will
      be put through to CWD when they have exhausted their course of action
      locally in the UAE so I am carrying out research now so i can prepare
      for when that day comes.

      have been discussing this with a solicitor over the last few days my
      circumstances and the wider issue of CWD pursuing the debts in the UK.
      He thinks that what they are doing is wrong and that legally they have
      no right to pursue this by UK law and that it is only their bully boy
      tactics and that people cannot afford to defend themselves with a
      solicitor that they are winning these judgments.

      note in your comments that you are in negotiations with CWD at present
      so I thought I would share with you the basis for his argument to see if
      that helps you. His advice is as follows:

      Ask CWD to provide details of the proof of assignment in any agreement
      that provides the legal basis on which they can seek judgment in the UK
      on UAE debt

      2) He thinks the debts are
      not enforceable. People keep referring to the memorandum signed between
      the UAE & UK in 2013 but this is not something that is binding in UK
      or Common law. A reciprocal agreement is not something written in to
      UK law.

      Ask them what Act or Statute that is written in case law states that
      UAE debt is en forcible in the UK. Ask them to provide the case/quote
      including full citation and paragraph number

      He recommends defending yourself and applying to have any SD or
      judgment set aside for the above reasons. Most people are bullied into
      negotiating and agreeing a settlement with CWD as they can’t afford the
      costs of having a solicitor represent them so do it yourself.

      I hope the above helps and please let us know how you get on with CWD.

      • Hi Matt. This is great ! Totally in line with my thoughts and my 5 years of research now. My MP get in touch and has contacted the SRA as we try to push this through. I have explained the whole story over 5 pages and she has listened. Another solicitor Also has said the same like you have said. They are bullying because they know nobody can defend themselves and it is not fair. In regards to the DCA in Dubai then do not let them ground you down. I have dealt with them for 3 years and to this day still do but I fight with them and they do not like it. They are unbelievable and will not stop. I still have a few Emirati friends that are helping me fight them and just today the central bank of the UAE have got in touch to hear my complaint.

        • Robi,

          I think you are on the right track and on target. The fact a CCJ was obtained is not the surprising part and should not be counted on as a the way things need to be. Creditors are forever getting CCJs or judgments against people not because they are right but because the person does not defend themselves.

          Asking for the proof or evidence from CWD is critical here. If they can’t provide such documentation then all they are doing is being a bully as you describe.

          Interestingly requests for information from CWD by me have gone unanswered.

          As far as a 2013 memorandum the document clearly says, “This memorandum has no binding legal effect. It does not constitute a treaty or legislation, is not binding on the judges of either party and does not supersede any existing laws, judicial decisions or court rules.” and “There is currently no treaty in place pursuant to which either party’s judgments may be enforced by the other party’s courts.” – http://www.judiciary.gov.uk/wp-content/uploads/JCO/Documents/Guidance/uk-uae-protocol-with-logos.pdf

          But even the document of understanding is geared towards commercial and business transactions, “The Memorandum of Guidance is designed to assist investors, businessmen and lawyers in the UK who wish to develop closer trade and investment links with the Emirate – and vice versa.” – http://www.judiciary.gov.uk/announcements/uk-uae-ties-commercial-court/

          Please keep posting updates here and keep up the good work.

          • Steve. Thank for your kind words it’s much appreciated. I am trying to help everyone in a fair and honest way. I have been bullied for 4 years as I keep mentioning and like I said I have had enough. Everyone I speak to say the same about CWD. Funnily enough I have just had an email from my MP who has emailed the SRA asking them to look into it so let’s hope something comes of that. I am just about to reply with my 5th letter asking more information and I will not do anything until everything is clear. Can you believe that they called me in work and when I approached the solicitor who seems to be dealing with the case he said it was a temp worker who should not have called. I have asked for the name and they will not give it to me. I have looked into everything and it seems also they only target and push hard those people who have assets and own houses as they know they can make money but with again not taking the facts from Dubai and the abuse into consideration

          • Any update on this….. I’ve just received my first CDW letter threatening county court action…. Planning to hire a solicitor so they don’t take the mick out of us but I have a feeling I may end up bankrupt between the debt, CDW charges and my own legal costs. Is it worth the fight….. Even though they have easily doubled the debt.

          • Hi. could you email me and i can share with you what i have so far and where i am at. The 2nd bank has come forward also and i have written to Mr Coyle. Interesting reply. I am thinking to set up a private site also so all who are dealing with this in the UK can share as i do still believe more needs to be done to protect the customer

  2. Hi Guys,
    I am in the same situation and have been trying for over 12 months to come to an agreement on monthly repayments with CWD. They are rejecting every offer I make (they are good offers and I believe they would have been taken if this was a UK debt). I am know at the point were I am in court to defend myself against a CCJ in the next month or so. Does anyone know of another person who has been to this stage yet? Has anyone won a case against them?
    I would be really interested in making contact with you guys as I believe knowledge is power and collectively we are much stronger that as Individuals. I think publicity about this treatment we are suffering is possibly one of the strongest roots. Has anyone tried the Daily mail yet, they love negative stories about Dubai, they have published a few.

  3. Hi Robi,

    I wold be very interested in speaking with you and the others you know. I have been trying to come to an agreement to make monthly payments with CWD for over 12 months, but they reject every offer I am making. I am now at the stage where I am in court to defend myself against a CCJ in not so distant future. Do you know anyone who has got this far? or has successfully defended themselves?



  4. BTW, I did reach out to CWD and asked them to help me understand what authority they have to enforce these debts in the UK. To date they have not responded.

    Is anyone aware of anyone in the UK that has a valid CCJ against them in the UK for these Dubai debts? I’m not.

    Collectors can scare people to pay but does a UK collector/solicitor have the legal authority to require someone to pay?

    I’ll go ask the OFT and see what they say.

    • Hey Steve. Thank for your help and advice. I am in touch with one lady who has been to Northampton and had a charge on her house and a CCJ yes and she is paying £5 per month for her debt. The only problem was she did not fight or argue as she could not be bothered and from what it seems they bullied her into threats the same like these banks and collection agencies do in Dubai. I will also let you know 3 weeks ago CWD called me in my work big mistake and when I approached Paul Coleman the gentleman that seems to deal with all the debt in Dubai he said it was a temp worker and made a mistake. I asked for the temp name as the breached data protection and he refuses to give me yet they can search me and where I work and contact me. I had another phone call again last week from Dubai probably the 300th !! Same rubbish this time telling me I will rot in jail. I work close to Westminster and I have applied to see my local MP to raise more awareness on this as a lot of people have come forward and it is important they can defend themselves against CWD and know there rights. Like I have mentioned in my previous posts it is Unfair that CWD can enforce UAE debt through the uk courts without knowing themselves what the e UAE banks and the collections agencies carry out and break all the laws possible. My issue is not paying the debt but I will give you am idea. I owe 3 other banks and I quite easily set up an IBAN account from my natwest and was paying £30 a month and they are happy with this. No issue here in the UK and the banks are getting the money the problem is when the collection agencies get involved. Why do CWD have to get involved just to make there comission % but then equally ruins people lives in the UK who are trying to rebuild to only then go and get a CCJ for 6 years to mess everything up.

      Thank you for all your help I am sure people appreciate it here.

      FYI current to date I have been back and to with CWD for 5 months as my request was for all my statements original and the signed T&C original sent to my adress showing the supposedly clause 19 that the bank in the UAE can transfer this debt to the UK. I doubt in 2008 when I signed that this clause was there I am not sure and may have recently been added so I want to chexk this

      As soon as I get them and they want to speak to me and they summon me to Northampton then I will file a defense and not just take the CCJ because I have all the evidence of emails and witnesses in my family and work who have taken phone calls from the banks and colemvtion agencies that show they have broken UK collection laws. This is only fair if they are to use UK laws on this UAE debt.

      Sorry it’s so long winded but I’m dealing with this for 4 years and it’s a battle that is getting me down only for now CWD to jump on the band wagon without knowing what is actually going on.

      • Another thing to add that I have found out also. If your debt comes here from the UAE and you go through the process of having to pay back and take a CCJ or whatever action this changes nothing in the UAE. The lady I mentioned who took a CCJ and a charge and is paying the debt off through the UK courts is still being hassled and also she cannot fly to Dubai. Really it’s a no win situation ! How can this be fair ? You are starting to pay the debt yet you are still being hounded by collection agencies in Dubai and if you fly there you will be arrested still for your debt even though you are paying it off in the UK ! This is certainly not fair.

        • Thank you for this helpful, candid information. How sad that this poor woman is still being harrassed despite having been through the court process, it’s disgusting.

          The only consolation with the buggers calling our friends/family members/our pet goldfish is that there is some truth in that ‘what is no longer secret no longer has a hold on you.’ The embarrassment is immense but at the same time they seem to call the same people over and over again and they in turn are equally disgusted by the process.

          I ‘ve been in touch with the CAB and will be speaking to a friend who is a recently discharged bankrupt. I’ll post anything that might be helpful.

          I agree that the media and Westminster could be a way forward. Dubai Debtors have previously been portrayed in the press as thieves who live the life and deliberately drop their responsibilities and it is so far from the truth

          • Hi Sue. Thanks for this. I have a lot of friends in Dubai in high places and one thing happened to me with a bank being rude and the collection officer being very rude. So he didn’t know but I actually had the contact of his manager and also the CEO finically officer.

            Last week I emailed him back and CCd those 2 with all the emails he had sent me ! Safe to say he has gone very quiet but still worrying that the manager had the slight same tone so I don’t hold my breath. They will continue and carry on.

    • Hi Steve,
      Just wondering if you here back from the FCA as I am about to come to an agreement on repayment with CWD to avoid going to court.

  5. Hi All,
    Firstly, Jon, thank you for your advice. Secondly, Robi, we hear you! We’ve just received a letter from CWD also acting on behalf of FGB. We were forced to leave Dubai because of serious illness and I was fired the day after extensive surgery (not sob story, it’s just so staggeringly awful one has to laugh now!)

    The bank or debt collectors have contacted my previous employer several times, twice they’ve contacted a friend and now a family member in the UK. Awful. We are somewhat reluctant to contact CWD following some rather dubious reports but prepared to cooperate with the courts should should it get that far. My understanding is that whatever we can offer, the bank will not accept so that’s depressing but we must remember that we have got the protection of the UK justice system in these matters to deal with the case in a fair way.

    Like you Robi, our only choice at the moment may be bankruptcy but there is so much conflicting advice. We’ll keep you posted on any developments and if we find out anything helpful we’ll post.

    All the best


    • Hey Sue. Good to hear from you. Great that not people will come forward. I am in touch with 7 others in the same boat and they all agree nobody can defend themselves against CWD because they do not know how to. I am going to making an appointment to visit Westminster to see my local MP and raise this as it is important. There needs to be assistance in this. Yes I appreciate we have a debt but this should be able to be settled in Dubai by monthly payments and not affecting our credit status here and threats. Like I said always surely I they can pass this law then what about the laws broken for debt collectors on Dubai. They are unbelievable.

      The best one I had is when they called my partner in work and that day was not a good day as she did not know my debt up until then !! Embarrassment and they did the same in work I had to speak to my director and explain to him everything and supportive he was. If this is not breaking the law then I do not know what is !! So this has to come in to play if I get called to court it’s only fair.

      Bankruptcy is an option yes as the first bank Rak bank is here me with CWD and I am sure the others will follow suit so in the end it will not be worth paying monthly !

      Keep in touch because all the others are and we are sharing stories and raising awareness. I have someone in the newspapers also willing to hear and a person in Dubai who is helping.

      Do you know last Ramadan that over 250 local people were pardoned in Dubai from there debts just like that !

      Crazy laws and CWD are wrong


  6. Hi Jon. Thanks for coming back to me. I understand if the debt is brought here then in have to pay which is better but still find it hard that these companies in Dubai get away with it. Also my credit rating here in the UK is good and now it will be ruined because of this. I was fine paying the banks in the UAE as it had no affect on me here.

    Should I go bankrupt on £75K plus ? Not all the debt has come here yet but I am guessing it will eventually. £6k debt is the first one being chased by CWD so what happens of they put a CCJ on my file and then another debt follows ?

    Isn’t it just better to go bankrupt and clear everything ?

    Thanks for your help

    • Robi,

      Bankruptcy is an option if the solicitors will not accept any form of repayment scheme, an/or if you cannot afford to repay the debts.

      Whilst bankruptcy is an option, if you own property or have other assets, it may not be the best option. If you have no property or other assets, and no real surplus of income, then bankruptcy is always an option.

      If you were to forget an account, or one popped up later, no worries, as it would automatically be included in your bankruptcy.



      • Hey Jon. Thanks again for coming back. Paying back is not an issue as I owe the debt but £80K is a lot and I and getting a little depressed dealing with these collection agencies in Dubai as they do not follow laws or rules so it’s a constant battle. They will not accept payment plans they just want the money.

        Not a problem with CWD taking the debt on I just think it’s unfair that potentially I am going to be issued with a CCJ for a debt in Dubai and will affect my status here in the UK. CWD seem to brag and boast about this and nobody can defend themselves as nobody knows what is going on. I have spoken to a local MP and also a few solicitors also as there are other people in the same boat as me.

        If all my debt comes here I think bankruptcy is my only option. I do not own anything and have no savings at all.

        Worst is now these collection agencies are calling my work and my partner in work to try and embarrass me and it’s annoying.



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