Hi Jon,

I left Abu Dhabi in 2015 with a 35,500aed debt with First Gulf bank. Since 2016 I have been paying a UK solicitor (regularly from 2018) but its like pulling teeth when I ask for a statement of payments. Also First Gulf bank emerge with Abu Dhabi bank in 2017,

In February 2021 I received a statement with the dirahm conversion missing for November and December and told it would be sent.

So today, 29th July, I emailed the clients solicitor asking for this information as I believe I’m over half way through paying and I have a relative going to work out there in September and I asked if it could be paid directly to the bank.

This was my response from the lady dealing with my situation.

Please note, CWD do not accept service by way of email.

The spread of Covid-19 presents acute challenges for businesses, governments and communities throughout the world.

We wanted to reassure you that the wellbeing of our clients and employees is at the forefront of everything we do. We adhere strictly to Government advice and remain fully committed to providing an ongoing service to our clients.
Members of staff will generally work from home, using secure IT systems. Accordingly, communication via email is preferable for the foreseeable future.

We continue to liaise with HM Courts & Tribunals Service and our clients in relation to all active litigation and hearings.
These are difficult times for us all. We continue to monitor the situation and we will review our procedures as necessary. If you have any questions or need our support, please do not hesitate to contact me.
Most importantly, all at Coyle White Devine wish you and your families well.

Not helpful. Can you give me some advice?

Can you give me some advice on the above.

As the bank have now emerge I believe my account is non existent is this the case?

Kind regards,



It sounds as though the reply from CWD was a stock response being sent out during the lock downs I have read similar, if not almost exact statements from other companies that were sent out.

Much of your question and concerns, seem to be of a legal matter, as we do not provide legal advice. As you mentioned you had a solicitor, you may want to speak to them, or seek out a new solicitor.

Historically, banks merging does not relieve someone of a debt or account they owe. The account transfers to the new bank, usually under the same previous terms and conditions. If the terms and conditions were to be changed by the new bank, they usually send out a notice to inform you, and possibly to have you to agree to the new terms.

I hope this helps in some way.



2 Responses

    1. Hi,

      I answered your question about the merging of banks and owing any debts.

      If you have any additional questions, just let me know.



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