Hi I also left Abu Dhabi with debt in 2014 and was contacted via a letter from a uk debt recovery agency in 2015 asking for full amount plus interest I was in no position to even pay any of the debt let alone set up instalments so I sent an email stating the facts and I was never contacted again until now with a very similar letter asking for the full amount and a lot more interest on top they are asking me to contact them for full payment or the reasons why I can not pay also asking to send someone out for a home visit from there field partner to resolve the account or court action . also quoting the January 2013 memorandum of guidance which can now be enforced in the uk . Anybody able to give me  guidance.