thanks for your reply dpick. Appreciate it. Looking at the terms and conditions below for the account I hold with them (online bonus saver) as I understand it the answer is yes, they could easily give out your details to debt collectors for example, or to a credit reference agency who could then pass on that info themselves. Please correct me if I'm wrong. 28.2. Confidentiality Information we hold about you will not be disclosed to anyone (including other members of the HSBC Group), other than where: • we are legally required to disclose, • we have a public duty to disclose, • our interests require disclosure, • the disclosure is made with your consent, • as set out in the terms below. 28.3. Credit reference agencies 28.3.1. Information held by credit reference agencies is used by lenders to help verify the identity of customers and, where they wish to obtain credit, to assess their ability to meet financial commitments. This enables accounts to be opened more quickly and reduces the need to obtain references from employers or other financial services providers. 28.3.2. When considering applications, we will share information about you with credit reference agencies who, where appropriate, will supply us with information from the Electoral Register to verify your identity. Credit reference agencies record whether or not your application is for credit even if you do not proceed. 28.4. Crime Prevention and Debt Recovery 28.4.1. To prevent crime, to verify your identity and to recover debt, we may exchange information (both within the UK and, where appropriate, overseas) with other members of the HSBC Group and, where appropriate, with fraud prevention and debt recovery agencies and other organisations including other lenders. 28.4.2. If you give us false or inaccurate information and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

Hi there, I had posted a thread a few months ago here and received some very valuable feedback. As a follow up I would like to find out if someone has any idea, whether one bank (HSBC) can/would give out your current contact details to another bank (Natwest). I think this would improbable as they competitors (in some weird sense of the term anyway) however I'd like to make sure. Thanks for reading!

I guess here you meant if monies were deposited into a debtors a/c, not taken. Sorry Kbob, don't have a clue about your questions to help. I think this is all the info I was looking for. Many thanks for the help cerberusalert, appreciate it.

thanks, just to clarify the last point, yes it´s fine to offset the money, however if the payment is from an organization or accidentally from a friend or member of family, would it stop the clock on the statute barred status, or do they have to prove a payment has been made from the debtor?

Had a look at that, but as I understood, the Brussels regulation and Lugano convention do not apply in my case as no money judgment had been issued in the UK while the foreign judgment does not cover Spain. From that paragraph however regarding selling the debt, I understood that no matter where you are they could possibly sell the debt to a local agency, and then have the local debt collectors after you etc. What I´m trying to figure out is the best course of action, whether I should provide them with the non EU address or not. Sorry for the overload of questions, one more thing that came to mind. Because the overdraft is directly linked to the current account, if an organisation makes a refund (highly unlikely) or a friend or family repay me some money they owe me by mistake to that account, could they consider it as a repayment towards the debt as the overdraft will decrease or do they have to prove that a payment was actually made by me, the debtor?

Yes, reread the overseas debt thread and this makes sense. However, looking at this part: Would anyone know if the possibility of selling the debt would be applicable to any country or does it just refer to EU? Any way to find out whether they've done so? And any experiences on whether they would go after a 5000pound debt this way? And a last question, does the bank have anyway of knowing if one has moved back to UK? I mean unless you tell them, can they check for example tax records, or other banks' files or something similar? Cheers.

The idea was to provide them with the non EU address so they wouldn't issue and transfer the CCJ here and have this outstanding if I returned to Spain. But in light of what you and Kbob say about both debts being part of CCA 1974, which is non transferable outside UK if I understood you correctly, as you say there is no point in providing them with the address. Thanks guys.

Many thanks for the advice cerberusalert. Not sure if I'll be sending them that post card, but thinking I probably owe you one A couple of clarification questions for anyone that might know. 6) Is it worth asking them to freeze interest and charges? Any good arguments to use from anybody that has gotten them to do so? 7) Kbob makes a very interesting point. Any idea how I can find out if the natwest mastercard and overdraft fall within the Non Consumer Credit Agreements? 8) cerberusalert, your yes answer to question No 1, what does it refer to? The first option (1 creditor - Natwest) or the second one (2 creditors - Natwest & Mastercard)? 9) And finally, just to make sure I ve got this correct, contacting them in writing to provide them with my new non EU address (as will be the case and a CCJ cannot be issued there), without mentioning anything about the debt in the letter, would not stop the stature barred clock. Is this correct? Thanks again.

Hi to all. For the past 3-4 months, I have an outstanding debt in the UK with Natwest of 5,000 more or less, half for an overdraft and the other half for a natwest-mastercard. I cannot pay this at the moment or for the foreseeable future, so I have not replied to any of their reminder letters. Currently living in Spain (which they know) and at the end of the summer moving permanently(?) out of Europe. Some of the other posts have been very helpful (thank to all of those that have posted), but have some further enquiries. Any possible help, on any of the questions below would be very much appreciated. 1) Am I effectively dealing with one creditor (Natwest) or two (Natwest – Mastercard)? 2) Calling them to ask them to freeze interests / penalties (although highly unlikely I guess, right?), or to state my new address when I leave Spain would restart the clock on the 6 years needed for the stature barred status? 3) Any opinions on how likely it would be that a CCJ will be issued given the amount and living abroad? If I understand correctly they can issue one in/with Spain, but not outside of Europe. 4) What happens if the CCJ is issued but I never receive it due to change of address? Can the court take place in my absence / without my knowledge of it? 5) If I understand correctly visiting UK shouldn’t be a problem even with an outstanding debt or CCJ. What about, for example, getting a mortgage in 10-15 years time if I was back in the UK. Out of the question? Many thanks for reading and for any possible answers or relevant links you might have.