Hi, I have 2 payday loans worth 650 pounds. I am not in a position to repay it. I am also leaving the UK soon and will not be coming back at least for the next 2 years. Will i have a problem entering the UK again if i plan to come back? will i have a criminal record? I am also planning to close my bank account. can the PDL companies still get data about me from my bank? PLEASE HELP..