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French bank debt while living in the uk

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So this is my story... 2 years ago, I lived in France. When leaving, it seemed very difficult to close the bank account, lots of hoops to jump through. I couldn't close my bank account until I had proof that I had cancelled my direct debits. Because of this, I couldn't close the bank account until the day I left as I was renting a house, and they would only give me the paperwork when I left, which obviously had to be the day I was leaving the place as it was a small village. As sods law has it, I did everything that was asked, and after a very stressful morning, I walked into the bank with all the necessary paperwork, and they told me they couldn't do anything as they'd had a power cut. So I left them all the paperwork and they said they'd process it when the power comes back on. Fast forward 2 years, and I got an email from my aunt, who lives in that village, asking if I want to close my bank account and to send a letter if I wish to do so. I did this. She came back to me saying the bank account is 813 euros in the red...I left it with about 100 euros in it, but they've been charging me for having the bank account open apparently when I wasn't aware. I'm in an absolute state of panic as I don't have the money, and they say the charges will keep going up. Is there any way to negotiate with them? To haggle per say to make it more affordable? Please, please help.


Thanks everyone for any advice, although I'm pretty sure it's not going to be good!

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Send a formal complaint in writing to the bank, asking why they did not implement your cancellation instructions, which you took into them on x date. It is up to the bank to look into it and get back to you. You should send the letter by recorded delivery.


It is important that you register a written dispute, as this should be the start of coming to an agreement.

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