Hi,
something still doesn't measure in my mind, however, that's not the important issue now, the real crux is how to resolve from here.........
in a nutshell, it would appear, bank are not happy with operation of account (note I said appear).....
you're now in a bind, as they removed overdraft....
whether or not account is managed locally or centrally, you deserve the right to be heard by manager in your branch (he/she may not have decision making authority if account is centrally managed, but this in no way should stop him/her meeting with you)....
from a bank perspective they will want the issue resolved (what I'm not clear on, it whether they want to terminate the banking relationship or are they willing to say place the current outstanding amount on say term loan to be paid off over a fixed period of time)....
this is what you/they need to establish (and you'll only be able to do so via dialogue)...
if I were you, I'd write to local manager, suggesting a meeting say in week's time, give proposed date and time of meeting, and invite him/her to revert to you confirming his/her availability (give your contact no. in your letter)... I'd copy that letter to the address on those automated letters you've been getting also....
in advance of the meeting, clarify for yourself, what income, outgoings, assets and liabilities you have and what you can afford to pay going forward (doesn't appear to be a major issue for you if you are grossing E140k per annum - this is why I'm confused, sorry.....)
Hope that helps.........
BM