Thank you, I need to take a deep breath, take this all in and think about this further in the morning instead of making myself ill with worry. Your advice and reassurance is greatly appreciated What a mess eh! :s

Thank you once again. I did contact the national debtline for some advice but they said as I had not yet defaulted on payments and that my debts are abroad and no action had yet been taken, they were limited on the advice that they could give me. They sent me information on budgeting etc but I just do not have the income to keep up with the payments that they require. I really do not know what to do, I tried to speak with companies in France and also at first my bank but typically they reply that they cannot help as I am no longer a French Resident and I have to find a solution on my own. They are not clear with what the next steps will be for me if I do not keep up with the payments. Do I just have to wait and see? Is it best to lie low, ignore any letters from my bank in France and wait until I am contacted by a debt recovery company in the UK? I assume I cannot file for bankruptcy until there is action taken here in the UK, is this correct? I would so much rather deal with this with an English Speaking Company, my French is good but not when it comes to this kind of talk. I do appreciate the help, I feel so panicked at the moment with a million questions and its hard to find someone to actually sit and talk this through to find the best solution. Thank you.

Thank you for your quick reply - I have no property or assets... what would that mean for me?

Hello, I will try to explain as clearly as possible my situation: I am a UK Citizen and I lived in France for about 10 years. I moved back to the UK last year to help my father who was sick but had some large loans in France with my French Bank Account and a Loan Company. I tried to keep up with payments but slowly my salary was not enough in the UK to cover my daily living and pay my monthly payments. I started to dip into a Credit Reserve to keep up with payments which is now at its maximum and now I am into my overdraft. Overall we are now looking at about 32,000 €. I cannot manage on my current salary to pay anything towards my French Debts. My French Bank has sent a letter saying I need to refund my Overdraft and the situation is getting worse. I have no money to refund my overdraft and it keeps getting worse with the monthly payments that are coming out of my account. I tried to find a company in France that would group my debts so I could reduce my monthly payments but this is impossible as I am no longer resident in France. In the UK it is impossible as I have only been back a year and my credit rating is low and I would never get a loan to cover even a quarter of the amount I owe. I do not know what to do, as it is a debt in a foreign country I cannot seem to find any assistance or advice here in the UK. What could I face with regards to debt recovery? Can the French Banks take any action whilst I am here living in the UK? Please any information would be invaluable. I am prepared to pay my debts but my current financial situation would only allow me to pay maybe 150€ - 200€ a month, not the current 800€ a month (all added together) plus there is my French overdraft which is now at about 3000€ and getting worse. Thank you for your help.