Please can you give me some advice. I moved away from the UK 3 yrs ago, and had credit cards which I was paying every month. Then lost my job here and couldn´t make payments. Got another job and re-mortgaged house and have offered to pay a reduced amount in full & final payment of amount due, as I do not have enough to repay full amounts in total. Debts have been referred to Debt recovery agency. Where do I stand? I have no intentions of moving back to UK and have no property/ties there, what course of action can debt recovery take against me?