Thanks so much EquinOx for your help! Hightly appreciate!! If you don't mind me asking,Is this info from trustful resource? Since am out of the hospital i have contacted the collection agency (based in UK) have explained situation and send them papers from hospital that proves car accident,treatment and etc. Am in touch with them,i have informed them that i have received job offer and planning to continue to payout my loan within a month,they're ok with it,no issues from they're side and as for me am willing to continue to pay to avoid such a headache and amount not that big -70K Riyals.