Thanks for the information, I have every intention of completeing the obligation in full but I need time to get back on track. Again Thank you.

Can anyone please advise me on the following problem. (I live outside the UK since 97) I have a HBOS account and haver since 1996 had a loan with the bank which is completed in 2.5 years time, I also have a Creit Card with approx 8,000 outstanding. I have paid on time and without interuption the monthy paymenst on the bank loan and CC (CC usual minimum payments made by DD) and some manual payments to the CC, without problems fro the last 11 years. So Last year I lost my job due to the banking crisis, and managed after several months to get a new job, but at 60% less salary than before. The Banks here in Germany are as bad as the UK and I lost my Overdraft facility and backup from the bank. To survive something must go and I cannot afford to sell my home here after all the investments I have put in. I can survive but only if I reduce my outgoings and the only unsecured debt I have is in the UK. So if I try to reduce the amounts I pay them through a payment agreement it will work, but I have a feeling they will not listen and I will default on my UK loans. Can someone advise me what the out come will be, can they come after me in Germany and cause me debt problems here? Thanks for your advice. [email protected]