Thanks for letting me know on the below. I am just worried that if I want to go back to the UK for a visit or holiday that when I apply for a visa it will be declined from this? Would they serve court orders in the UK against me?

Hi there, I have lived outside the UK for over a year now and now living in South Africa. I tried for over a year to keep paying off my UK Credit cards- Barclaycard and MBNA with debts of around £14k. In March this year I called the bank to let them know that I couldnt afford the monthly payments as I now have no job and also the exchange rate is so low my Rands wont cover much of the debt monthly. They said I could default for 7 months and then the debt would be sold on or I could pay but they said I had to keep paying with a minimum amount. As I had no job I stopped the monthly payments and its been 6 months now. I havent told them I am living here and have had no emails or anything from them as they dont have my number or address. I wanted to find out if they were able to chase these debts to SA and what the best option was for me to do? I am having terrible sleepless nights over this and the thought of it is making me feel sick to my stomach but right now I have no way of paying them back. Any feedback or advise would be much appreciated.