I know there are a few threads on similar subjects here, but wanted to set out my exact circumstances to see if anybody could advise on my next course of action.
The usual story, lived in the UAE for four years, topped up a loan to pay for accommodation and expenses.
That was all fine before I was made redundant in early 2017.
With accounts frozen, felt I had no choice but to get my stuff together and return to the UK.
Debt is around 100,000 AED.
I've had all of the normal emails, them trying to call me at my place of work, etc, but now appears they have enlisted the help of a UK company, International Debt Recovery, who I see ran a credit check on me, where I presume they got my address.
Have received a letter from them, where they namecheck HSBC Middle East and ask me to get in touch in the "next seven days".
I have since received a text message from them, too.
What are my options here?
I'm in no position to pay back the £ currently, and I understand that they're not exactly accommodating when it comes to payment plans.
I have taken on a mortgage since I returned to the UK with my wife, but that's only been in the last eight months and it is a first time buyer scheme, so very little/any equity has been built up.
Just looking for some advice really, have read elsewhere that people have ended up bankrupt over this, so must admit I'm slightly concerned.
Thanks in advance.