My colleague said, this is governed by the laws of Malta.
My suggestion is to tell the debt collectors to get lost, you are not going to pay another penny and that if they feel that they are going to get any money out of you, they should take you to court.
I can tell you now, from experience, (with no guarantee) it is not going to happen. They use these high-pressure tactics and some people give in.
Fortunately, you haven’t paid any money.
Remember also that of its Malta, they are going to have to take you to court in Malta and that’s not going to be particularly practical.
Let me put it this way, if I was in your situation, that would be what I would do.
If they continue to hassle you, tell them that you have been advised to report them to the police under the Protection from Harassment Act and section 40 of the Administration of Justice act and ask for the company name and the name of the individual if they are speaking to you.
If they are writing to you, then write back and say the same. Tell them not to write to you or ring you ever again.
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