It’s obvs uncomfortable over the years assuming ex didn’t sort the debt but with young children in tow+ enough worries, you just get on with it. anyway I will still send the form as suggested on the other post, and see what happens really appreciate your time and explanations

No assets at all both letters came in hard post by Royal Mail each in own separate envelope - just the letters. No reply packs.

I’m so anxious. Thanks for what you’ve said. So I shouldn’t have followed CItizens Advice and sent that email from new acc. Next step.. I need to print the form as suggested on post 5 of that link and send in hard post?

There were two letters received on the same day with almost identical information; the difference being, the second letter used SAR currency in the actual body of the letter and not KWD. Letter text below. I lived and worked in Kuwait almost 7 years ago and took out a car loan from the bank on behalf of my ex-husband who didn’t meet the salary threshold to get a loan himself. When I left the country in a hurry with my young children in a bid to get away from him, the debt wasn’t cleared. I negotiated with my ex to keep up the repayments but I doubt that happened. Hence being very concerned by these letters. I do not know how my address could have been found by the bank and don’t believe these letters have come from them. I did receive some free legal advice from a solicitor on Monday this week and subsequently the Citizens Advice Bureau who advised me to send the following email from a new email acc which contained no real information about myself. It said simply, “Further to your letter dated 28th Dec 2022, please send the copy of the signed agreement and acknowledge receipt of this email”. I sent that on Monday afternoon and I received a reply, unusually at 2am, on Tuesday saying, “Please note we are in receipt of both of your emails and we have asked the bank to send us the signed agreements. As soon as we receive the same we will forward them onto you. Kind Regards, I wish now that I hadn’t done that and even more concerned I’ve screwed myself. Appreciate any help or guidance. LETTER OF CLAIM Client: NBK Amount Due: Outstanding debt in the sum of KWDXXXX We are instructed on behalf of the above mentioned client to pursue you for immediate payment of the outstanding amount owed to them. We have been advised that the amount outstanding is KWDXXXXX which has arisen from a financial product that you took out with our client. We are in receipt of your signed agreement which constituted a binding contract between yourself and our client. You have failed to honour your part of the agreement which has lead to our client appointing us with instructions to issue legal proceedings against yourself. This letter is being sent to you in accordance with Practice Direction on Pre-Action Conduct and Protocols (the Pre-Action PD) contained in the Civil Procedure Rules (CPR). In particular we refer you to paragraphs 13 to 16 of the Pre-Action PD Concerning the Courts power to impose sanctions failing to comply with its provisions. We refer you to the Practice Direction (Pre-Action Protocols) in particular paragraph 15 and the sanctions for non compliance. You can find there on the Ministry of Justice website at: http://www.justice.gov.uk/courts/procedurerules/civil/rules/pd pre-action conduct. Our client has demanded payment in full, failing which we will have no option but to pursue the same via the Courts. There would appear to be no reason why this sum should not be paid immediately as it is your outstanding liability and is overdue for repayment. We have been provided with sufficient documents in support of the same and will provide copies to the Courts should the need arise. We would be grateful if you would contact us as a matter of urgency to discuss settlement of the outstanding amount. We respectfully suggest that it is in your interest if you contact us on receipt of this letter as it will help us in enabling a swift negotiated settlement to be reached and it will avoid any further interest accruing on your outstanding debt. Please note as this is a commercial debt we reserve the right to claim statutory interest at the rate of 8% from the date that the debt becomes overdue. We are entitled to claim any subsequent rate when the Bank of England reference rate changes and the debt remains unpaid in accordance with the Late Payment of Commercial Debts Regulations 2002. Please note we are also entitled to claim compensation in the sum of £40 for any unpaid debts up to £999.99. In addition to the above, please note that a travel ban may be put into place and INTERPOL may be notified of the debt being pursued against you. You may be at risk of being arrested, questioned and detained if you choose to travel from this point onwards. To avoid this please contact us immediately. We now provide you with the opportunity to amicably resolve this matter by contacting us on 0161 491 3933 or xxxxx@jmrsolicitors.co.uk to arrange repayment of your debt. If we do not hear from you within 14 days of this letter, we have been instructed to commence legal proceedings against you. If for any reason you dispute the claim being made against you, please provide us with details so that we may investigate this matter further. Please note all communication in relation to this matter should be in writing quoting the above reference number or by telephone using the contact details above. Yours Faithfully,

Please help! I received an almost identical letter as @jolly rodgerfrom the same solicitors JMR Solicitors late last month (Dec 2022) related to an alleged debt overseas. I only know which country they must be relating it to by the currency mentioned (a GCC country). They claim my previous bank is their client. No other specific reference to a timeframe or what the debt relates to. They claim to have a signed agreement- which I haven’t received a copy of. There are other errors in their letters. I did live and work in the GCC country (which the currency relates to) several years ago. I’ve been based in England for years now but due to move abroad again for work in May and concerned about potential travel ban/Interpol/ arrest/detainment!! I have been in my current property several months only and my previous GCC bank certainly don’t have that address. Confused. What have been your next steps @jolly rodger? Should I be concerned about travel implications? What is statute of limitations in GCC countries? Need guidance on what to do! Many thanks in advance Viv Par

Hi there DUBAI Debt (From 2014) - Letter from JMR Solicitors - resident in scotland - Overseas Debt/Overseas Account issues - Consumer Action Group I received an almost identical letter from the same solicitors late last month (Dec 2022) related to an alleged debt overseas. I only know which country they must be relating it to by the currency mentioned (a GCC country). They claim my previous bank is their client. No other specific reference to a timeframe or what the debt relates to. They claim to have a signed agreement- which I haven’t received a copy of- just as your letter above. I did live and work in the GCC country (which the currency relates to) several years ago. I’ve been based in England for years now but due to move abroad again for work in May and concerned about potential travel ban/Interpol/ arrest/detainment!! I have been in my current property several months only and my previous GCC bank certainly don’t have that address. Confused. What have been your next steps? Should I be concerned about travel implications? What is statute of limitations in GCC countries? Need guidance on what to do! Many thanks in advance Viv Par