Hello, Apologies as I know this topic has been done to death but I find myself in a situation I can't seem to find another example of? Around 12 months ago, Moriarty Law contacted me about a supposed debt relating to my ADCB current account in Dubai. Nearly all current accounts come with an attached credit card (turns out they don't but one of the pages in the initial application that you're asked to sign is actually for opening a CC.... I know, should have been more studious with reading). Thanks to this forum, last year I downloaded the "Prove It" letter a