Betty

Can anyone help??  Back in 2005 I took out a loan (not a mortgage) to purchase a property in France which I have since sold.  In 2008 I fell on hard times and could no longer afford the full monthly payments.  The bank agreed for 6 months I could pay the reduce payments.  This went on for a lot longer than 6 months and I still pay the reduced amount now.  I have received a letter stating that I have to appoint a french lawyer as the bank is taking me to court for the arrears, (which I cannot pay).  I am going down the route of applying for french legal aid, as the letter stated if I do nothing only the banks side will be heard. As the loan is unseecure what can thay do to me here in the UK?  I am a homeowner(with an english mortgage) and I am employed.  Could anyone advise me on the best thing to do?  Or has anyone any experience in this situation? I would just like to know where I stand and what my options are. Thanks for reading Betty