Thanks for reopening. So I've had all the usual letters asking for repayment and I've now defaulted on the loan and credit card. I've received an email from NatWest saying because I do not have a repayment plan in place my accounts have been passed onto the Zinc group and they will work out a repayment plan. They are a UK based debt collectors if I'm not mistaken. Will I hear from them since I live in Canada or will they see I am no longer a resident of the UK and not even bother contacting me? I did not give NatWest my Canadian Phone number so I will likely only hear from Zinc via post or email. I assume it's best to just ignore? Many thanks in advance.

I have just received a letter from NatWest asking me for information for where I pay taxes too. I told HMRC I was leaving the UK and that's all sorted out. Why would NatWest be asking me for information where I pay taxes too?

So NatWest got back to me saying they need a signed letter from me I've seen in previous posts that you should send unsigned letters any advice?

Hi everyone, I have about £20,000 debt in the UK all unsecured spread across Barclays and NatWest. It's 2 Credit Cards and one loan. I've been living in Canada for just over a year and the conversion from CDN $ to GBP £ is killing my bank account. I had tried to inform Barclays and NatWest via phone that I was moving to Canada even attempted to give them my address over the phone however they would not accept it as it was not in the UK. I will be sending proof of my residency and a copy of my Ontario ID which shows my address. My wife is a fly by numbers and do everything the right way and I am considering this as the only option left as bankruptcy would affect me in Canada as I have credit here. Would I be stopped at the airport in the UK if returned to visit for a holiday? Also is there anything else I should include in the letter when I send my proof of residence? Also does anyone have tips for dealing with DCA's when they call or when I receive any letters? Many thanks.