dingding is wrong..... a school teacher that I know had taken a loan from a bank here and went to india but decided not to come back. when she wrote to the bank saying she will pay back the money from india....the bank immediately notified the police here. The guarantor was her colleague from the same school. The bank contacted her and told her to repay. But the guarantor employed a lawyer here and filed for court protection...but had to run around quite a bit. Meanwhile the bank sent some guys to the borrowers house in India who told her that they are the recovery agents and have 'bought' the credit from the bank in doha .They did succeed in recovering the money from the teacher but he is not normal anymore!! the insurance recovery that dingding is talking about only works if the borrower is not living anymore.