Thanks for the reply Dubai 50. will keep on filing everything in the bin, physically and digitally.

Further update - emails are getting a bit more threatening, talking about CCj's, Attachment of Earnings, Warrant of Execution, Bankruptcy and Charging Order - i am not replying. am i right to keep ignoring these? i sent my creditor an address update a few weeks ago and IDR are still sending letters to my old address, so i dont believe they are acting in good faith.

An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch. the text makes it look like it from the bank on first glance - it reads - 'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam

Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail) - I have moved to a new address ( this is the address i gave to the bank in dubai) - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).

Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L

Thanks for replying and good to know. I am going to do the same until something changes.

Hi Grgw44, https://www.consumeractiongroup.co.uk/topic/466048-2010-loan-debt-from-dubai-bank-last-paid-2009-and-idr-letters-by-email/ I received a similar email/letter to you - the following week i received one with the amount owed. i am taking the same advice as you and sent a "change of address" letter of to my Dubai Bank this morning. i was wondering if the emails/letters you were receiving from IDR stopped?

Thanks again dx. I will send my letter today.

Thanks to you both for replying - i did look at the website and saw they said 10 years. i imagine certain debts have different limitations, they are technically might not lying but getting you to stick your head above the parapet. I shall write a letter to the bank tomorrow ( is there a template available within this site ) - is there a department i should be addressing it to, and is it wise to send it recorded delivery? After they have received the letter - am i then likely to receive letters from furthers DCA's, do i ignore them? i took the loan in dubai out in 2008 but due to losing my job i stopped paying in September 2009 - do i only have to ride this out until September this year?

Hi guys. I have been reading through lots of posts regarding IDR and the consensus seems to be ignore but protect yourself by informing the Dubai bank of your current address. I have not heard from any DCA until last week when i received an email ( very polite and they only want to help type of thing etc) - the first email didnt even have a figured owed or the bank name - the latest email does, but is still very polite in its tone. At no point in 14 years have i informed the bank of my address - to be honest i didnt know this was a thing - to my shame i went with the "head in the sand" approach. The Debt is just less the 50k DHS I have a couple of questions if i contact the bank, is this snail mail, or will email suffice? ( should i be doing this or is my debt statute barred by now?) will me writing a letter to them in anyway acknowledge the debt and restart the counter? is it a good idea to do a ( Data) Subject Access Request on IDR to see what info they actually have on me - where it came from and how has it been handled etc?