Left Dubai in summer 2016 having been made redundant, took wife and 3 month son to place of safety (not UK) fully intended to return to UAE and find new employment, as i had insurance against the loan. I never intended not to pay the loan. However. Bank immediately froze accounts, refused to process Involuntary loss of income insurance i had taken through them and demanded full settlement. This is an unsecured loan not a CC debt. They stated i had to be in the country to process the insurance? i asked them to send me the T&C which state this. They refused. I left enough cash in the account to meet payments for 8 months regardless, had they processed insurance a further 6. Usual story here, i continued to communicate with the bank directly by telephone and by email, they wouldn't accept any scenarios or payment plans other than full. I secured a new job offer in UAE and stated i could return and continue to make payments if they would confirm no court action had been taken They refused to do simply stating case filed. As i result i could not risk returning and being arrested, this would lose me the job and what then? no good for me or them. I returned with my family to UK in Spring 2017 having got a job, that job ended in June 2018 and still not working. (my wife is keeping us afloat) - I continued to email the bank asking if i could come to payment agreements, again they refused anything other than a full settlement! Crazy. i received a number of threatening calls to my work place from debt collectors in Dubai (coincided but i cannot prove with losing job) I started to then get emails and letters from IDRW including threats. I did not respond I have now had the same from CWD ... first emails and a letter, and now attaching a SD to an email. (i have not had this by post or served in anyway) They include the statements from the bank. They included a terms and conditions relating to credit cards (i had 2 but i settled these)they did not include and t & c for the loan as i can see. this was this week i have not responded. I own a property with less than 5k equity in it, which would be wiped out under the terms of the mortgage for a further 4 years yet. I have CC debt in UK which we are managing. Im not working through ill health now, but hope to be back fit some time soon From what i have read i should continue to ignore unless they serve the SD or take other court action? obviously a little stressed. Thoughts?