Thanks again, that is great advice. I am a UK citizen, however have not resided there for over 4 years now.

Thanks so much for your response. If I were to let sleeping dogs lie, as you put it, could they not take court action against me in my absence? I receive no mail here from my UK address (it all goes RTS) so would not know if they took this to the courts.. Thanks again!!

Also, from reading around the forums, seeing as the last time I dealt with this account was around four years ago, what would constitute setting back the clock on any 'statute barred' status? As I said, I am terrified they are going to try and hit me for a lot more than the 2000 I spent, and would want to be wary of not stepping on a mine. Does a CCA request constitute activity enough to set back the 'Statute Barred' clock?

Hello everyone, I left London around 4 years ago with around 2000 pounds left to pay on an 2000 pound overdraft with Natwest. Since then I have relocated overseas, and do not see when I will be able to get back to the UK in the next few years. It worries me sick sometimes the amount of debt I might be incurring by leaving the account inactive, however I do not have any way to access the account, either online or via the telephone, as apparently I had not set up either service while in the UK. The best I can do is request bills from an old flatshare, hoping that they still receive them. I realize how irresponsible this was, but want to now rectify the situation. My immediate family is not in the UK, and so I don't believe that I can send anyone to speak with them on my behalf. Is there some other course of action I can take to confront this issue? I am also slightly reluctant to give them my new address overseas until I have some idea of what kind of repayment plan they can offer. This is mostly motivated by fear, as I am intent on repayment but don't want to be crucified over what was initially such a manageable sum. I would really appreciate your help, as this psychologically terrifies me from time to time, and I feel constricted to do anything about it. Thanks in advance G

Thanks so much Enamae. 1) The debt is from late 2006, at least that is the last time I was in touch with them in the country. 2)I last acknowledged the debt on February of last year, as I attempted to get my statement address changed. 3)I have received nothing chasing me about the overdraft. They had my last address overseas and I would irregularly receive statements, but never anything about paying them back. I am now in the USA, and they do not have my address here. 4) I haven't checked my credit report, and would guess that I care little about that as I don't anticipate myself living in the UK again. Thank you so much for your help. I would really like to get this weight off my shoulders! M

Hello everyone, I am glad to have found this forum! Long story short. I was a student in England, was given a 2000 pound overdraft and after a couple of years of struggling in London ended up 2000 pounds in debt to Natwest. I ended up moving country twice, and now find myself in the USA. Knowing full well that my debt is going to be significantly bigger with charges, I would like to try and start paying it off. My problem is that I cannot access any account details from overseas, as they say I do not have telephone banking set up. This means I have no idea how much I owe, and obviously cannot broker some reasonable repayment plan. Does anyone have any advice, on 1) how to approach the bank and 2) what kind of repayment plan I should be bartering for? I was actually in the UK for a day last year, went to a Natwest branch in London and was sat waiting for 2 hours to use their 'special telephone' to contact the debt department - no-one could give me any information. I am concerned that before long this debt is going to become too big to surmount, so any help would be a huge relief. Best, M