I left Dubai in October 2007 with an outstanding loan and credit card. I was contacted by the bank April 2009 and after completing a personal budget plan and negotiating backwards and forwards, over a couple of months, the bank never came back to me to accept or decline my offer of repayments. I have recently received a solicitors letter threatening CCJ or Bankruptcy. I do not own any properties or have interest in any belongings (car, etc) and again am willing to pay back the debt based on my personal budget plan. Given that I defaulted in 2007 would it be reasonable to refer to the Statute of Limitations, as I argue that I could have been paying this back now had they responded to my offers? Also the debt they are advising has heavily increased from the original sum owed. Moreover on top of the solicitors letter I have received an email on an old account from a Sri Lankan debt recovery agency regarding the same debt which is dated within a day of the solicitors letter (Coyle White Devine) I look forward to receiving your advice.