Thank you so much. Can I ask, did you make payments to IDRR out of choice or was it taken to court?

Ok, got it. Thanks a lot.

Thanks again for your reply, I guess bailiff sounds the scariest so that's what I'm worried about, or bankruptcy. Do I have to address the letter to anyone or and department in particular?

Thank for your time and guidence. Is there no pre warning before ccj? Knowing my current address can they not send bailiffs here? Or they'll contact a local debt collectors in Spain and they'll threaten me with the same bankruptcy? Is there any way out or will I end up paying them back either way?

Even if it's abroad? Can this not risk me getting served some kind of demand?

I worked in Dubai 5 years ago, like everyone else I had bank loan for my rental payments and credit card for the weekends. Somehow my debts ramped up pretty quickly then all of a sudden the company I worked for had financial issues and stopped paying. I was threatened by blacklisting and travel bans, with this possibility looming over me and no sign of my company becoming more financially stable, I jumped ship. Iv stuck to my original decision of not dealing with debt collectors, but now I'm a bit more nature and have more to risk, a visit to my spam email folder and a quick look at their last email has stirred up some unsettled feelings when I see the word 'bankrupt'. I don't work or live in the UK, the address they once had for me is where my grandmother lives. Very early on I told them they cannot contact me at that address as I will take them to court for harassment towards her. I never received another letter. As I don't like in the UK they won't be able to serve me and kind of demand although I see in the latest email that's their current threat. They've been instructed to issue legal demands and follow up with filing for my bankruptcy. Should I stand up again holding two pairs of rebellious fingers or take this serious? Thank you for reading, Anne

And they are knows for succeeding with backdoor ccj? Thanks

What benefit is it to give the bank our current address?

is the general consensus still to contact the bank directly? If idrr send an SD is it too late to work directly with the bank and avoid their fees?