Hi All I am looking for some advice, I have recently received a letter from MKDP stating my outstanding balance is 3,356.39 and they are informing me they are instructing their pre-legal department to review my account . I haven't communicated with them as i am financially in a mess. I believe this is from when I banked with the Nationwide and I had a loan and overdraft with them, they recalled both, gave me 28 days notice that they would be taking the money from my bank account this was September 2010 , I had to move my bank account or I would of gone into mortgage arrears and utility bill arrears and unable to support at that time my dependant, I have buried my head in the sand! I am aware after six years I can still be chased but under no obligation to pay this, I really am stuck about what I do. I have since learnt about the Conduct of Business Regulations (BCOB), BCOB makes it unlawful for your bank to treat you unfairly. which giving me 28 days notice for such a large debt feels unfair. MKDP have registered a debt in their name against me on my credit referance Any advice?