I have read a lot and hope i understand the procedures if it proceeds 

Confirmation of address sent today by recorded delivery.

Thankyou

I haven't written to the original bank with the correct address but they have been writing to the correct address and this has been my constant address since before i moved out to Dubai. I will write to them now and record the delivery.

No letter received is entitled Letter of Claim

Hi all advice needed please. 

I left Dubai at the end of 2016. with a small amount of debt left on credit cards and bank. Tried to make agreements to pay and made some payments. Contacted by Taheel to make a fixed final offer to which i would have settled. Taheel then stopped responding to my emails and i have heard nothing since.

I have stared to receive contact from IDR requesting a large sum of money. 

The latest letter includes a financial statement but is not a statutory demand.

my take home pay is around £1900 a month with rent and current commitments totalling £1600, I do not own or have a mortgage on any property.

As i have nothing they could actually take to settle the amount should i respond and complete the financial statement or continue to ignore?