Well, I don't know about Thomas62- he's just joined thread I've begun. But our cases seem similiar. As far as know my friend was initially paying her debt, then she left England ( to Asia) due to some unforseen matters and could not afford paying back. She didn't conatct bank since ( this was I guess 4 months ago when she stopped paying).She contacted me tough asking what do I know about catching debtors and if it's advisable to conatct bank and negotiate with them paying back her debts but with more favourable conditions....I guess she's worrying...