I got a credit card by standard chartered bank (Dubai) and used for it's full limit about 30,000 dirhams . I could not repay the amount because of some reasons. I left dubai after that. now after 2 years these Bank (recovery ) people are visiting my house in India and asking me to pay back the amount with interest about 50,000 dirhams (6 lakhs) and they are warning that they will take some legal action etc etc .. in this case what should i do to resolve this issu , please advise.