Please can you can help.

Today I had a letter from IDRWW regarding a debt from 2009 to HSBC Middle East. I took loan out to pay a debt, lost my job, had to leave the region due to visa rules, was unemployed & had long period of instability.

I had given my parents address when taking out the loan and have had zero communication regarding this debt since 2009.

It's a relatively small sum of money (£2700) but i'm self employed on a low income so can only afford very small repayments at moment... I'm very anxious about how best to deal with it as I fear it will escalate into a bigger problem. I fear they won't accept my small repayments - and could dump load of extra penalties on me that would make it unmanageable.

In principle i'd be happy to pay something as I prefer to clear my debts ....what is the precedent for dealing with this?

Thanks in advance for your time reading this.

You say that you took the loan out in 2009 but please will you tell us the last date upon which you missed your first payment and also whether you have acknowledged the debt in any way – if so when

Hello thanks for your reply

My last payment was in 2009 when I took out the loan...as I lost my job shortly afterwards and had to leave the country.

There has been no correspondence between us since.

I gave my parents address when I took out the loan and they have been resident continuously since 2009 so i have ben contactable since this time.

Ignore them

Stuff and all they can do

Thanks for your reply. can you explain a bit more...…

i've read about CCJs and extradition etc...…

on what basis can I ignore it.

The company are based in the UK, are they able to begin court proceedings against me?

Thanks for your help.

I can confirm, HSBC sent me all manners of threats, when I left the UK and moved to Canada.

Over a period of 4 years they did absolutely nothing except send out letters that looked like they were written by an 8 year old.

By the time I had moved back to the UK it was statute barred anyway.

I had 3 Debts with HSBC, a credit card, withdrawn overdraft and a loan approaching £20,000 in total.

They never sold the debt on, they never sent anyone around and they never went for a CCJ.

As for extradition?

c'mon ?

seriously?

probably reading that stupid Dubai site where they sc@m you out of fees and make you pay the debt off under a discount scheme...

about time that woman was exposed!!

So when did the UK sign an extradition treaty with the UAE?

You must apply some sort of bullshot filter to what you read if you have actually found that online.

So on what basis can you ignore it? Well, international law for starters, then EU law and finally english law.

Thanks for your reply. can you explain a bit more......i've read about CCJs and extradition etc......on what basis can I ignore it. The company are based in the UK, are they able to begin court proceedings against me? Thanks for your help.