sorry I forgot to ask, do I carry on paying until the money runs out, or do i stop all direct debits and outgoing payments now?

OKay I will do, thank you so much for you help

Hi Angie
When we lived in Germany we had an overdraft. Each month the limit of the overdraft was reduced and not open ended like it is in the UK. IT was a very cheap way of borrowing money.

Thank you all for your replies. My comment about skipping the country was a little tongue in cheek, I really would rather it was dealt with officially so that I don't have this looming over me for decades to come. So as Angie says do i apply for this through the UK, or here in Spain? given that my S...

Hi I have been recommended your forum by another member and hope you can help. I moved to Spain in May still with debts in the UK. I have been using the equity from my house sale to meet my monthly payments but now this money is running out fast and I am not earning enough in Spain to be able to cov...