I am currently being chased by TBI. I have now lived in Italy for 6 years and not heard the proverbial dickie bird from HSBC. All of a sudden I get a summons to appear in my local court. I wrote to TBI's appointed lawyers for information. They sent nothing. I phoned TBI and the guy who signed the summons denied doing it. I also spoke to someone else at TBI and asked for documentative proof. by email and post. Nothing arrived. I am going to court next week. This should be interesting to say the least.