I have an overdraft with Abbey National for £2,500 and after excessive charges they brough to my account and the time taken to resolve them, I changed bank. Naturally Abbey decided I no longer qualify for such an overdraft and re-set my limit to £0. I am not in a very good position to pay this back and I still tried to phone them to come to an arrangement where I could pay something back every month and I was told no, and that I'd be better off waiting for them to issue a default notice on the account and forward the case to a debt collector. Can they legaly do this even tho I have tried to sort it directly with them?