Hi - I will apologise in advance for the length of this post - I am new to this... I currently live in Spain and have done for a while, however, I made a recent trip to the UK and stayed with my parents for a few months while I had a baby. After I registered at the local doctors using my parents address I suddenly started to recieve letters there from DCA's. I must admit that I foolishly ignored an overdraft debt and a credit card debt with Natwest that I could not pay and I knew it would get back to me one day... My bank account was closed (by the bank) a couple of years ago after I