ANSWERS: 3
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You owe the money - you need to repay it.
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seems you did not get the answer for what you asked. I understand you situation and as the two countries have different laws they do not have a leg to stand on...get well and be happy Money is not everything in life..life is
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Check with an attorney (solicitor, barrister) who is experienced in international law, to get the best advice on this subject.
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