UK debt of non UK citizen living overseas in Overseas Debt/Overseas Account issues Posted February 12, 2015 Hi and welcome to CAG I assume you are a Slovak national who was only temporarily resident in the ME. But your address there is the only one that you gave. And I presume it would gave been your ex-employer's P O Box. Is all that correct? Which country was it? Does anyone there still handle your mail? If so, they should keep an eye on it to check for any debt collection letters or, more importantly, letters from a court. However it is very unlikely that anything would happen. Debt collection agencies in most Arab countries deal only with debts incurred locally, even the DCAs which are local partnerships with foreign DCAs. If I were in your position, I would do nothing at all at present. I would ignore all emails. Was the document you supplied your passport or national identity card? Even if so, I would not worry if I were you. If the forex company is British, debt in UK is a civil matter not criminal, so there are no official means - eg police - to find your Slovak address. It would to be done by private investigation , usually a tracing agency. I really can't see this going anywhere beyond threat mails. It would be too much hassle with no guaranteed outcome at all. As for your question about DCAs, mail can commence after a few weeks or after a long period of time. If you don't engage and settle, they can then use a court or sell to a debt purchaser, who could also try court. But the debtor can challenge by making the claimant prove the debt. I honestly can't see the above happening. Even if they found your home address. Your case would be too complicated. My advice is that you do nothing at present other than keep checking your mail and let us know if anything you receive gives you genuine cause for concernl. Oleg Tnx a lot Oleg. I used to live in Dubai. They took my passport copy and company visa copy (the passport expired, have a new one one and visa is not valid any more). They never bothered taking my PO box, they just asked my building name and apt number, even though as per the contract they had to ask water and electricity bill and some other things to prove that I lived there. The whole process of an account opening was done very poorly, and they can't be right. And since they said they would use T&C to ask us to pay something that was mostly their fault, then I decided to fight back in the same way. Anyway, they will contact me over the email and I will do what UB suggested. No admitting, asking all documents to be shown related to my contract and my transactions. Thank you very much. Will be updating as it goes, maybe it will help somebody else.