its the same thing in my case....
im in hong kong 2 years ago and i had a debt on the bank and didn't paid it becoz i lost my job and didnt contact the bank what would actually happen. but they are sending a letter to my house the indicates my loan. i call them and says to stop the interest and i will pay them as soon as i get my job. im in different country so i sent some payment for them but not regularly and its minimal.
now i need to get a police clearance certificate and im scared if i will get one or if they will give me a bad record.
any comment would be appreciated.