Hi everyone. I'm very new so apologies in advance if I make a mistake. A few years ago I spent a year in Prague. I studied there on a course and the course recommended we got a student account so I did. It made sense as I could make bulk transfers to that account and save on transfer fees etc. When I left Prague I had around £25 in that account or something like that. I left in quite a hurry and didn't see the point in closing it. Recently I received an e-mail saying my account was in default. I contacted them thinking it must be a mistake. It turns out that as I am no longer a student my account was changed to a paying account and despite me now using it in 4 years has come into default. The default right now is only a few pounds. I remember when I set it up specifically asking for no overdraft and now I have one somehow I was also never informed my account type could be changed to a paying one. Contacting these people is impossible. I have to ring multiple times to get through to an english speaker and when I do I get referred to a relationship manager. My relationship manager is the one who informed me of the debt but has ignored 3 e-mails I sent over the last few days since. I have no idea how much interest this debt is accruing. That is my biggest issue. I never arranged an overdraft and I have scanned the documents I have and they are mostly in Czech but no % signs anywhere. Can anyone tell me how high this interest rate could be? My debt was a few pounds yesterday but how high could it go? Is there any UK institution who can help me with this? They are saying I have to go in person to Prague to close the account but I really can't as my mother is quite unwell atm. Actually the day I found out she was unwell was the day I got this e-mail so I think that's made it worse. I also read a few bad stories online of it taking many appointments to close them. I have no intention of ever returning to Prague but could this debt be chased up in the UK? If I have e-mails that have not been replied to. Two of which are me demanding the closure of my account. Would this help my case? Sorry this is so long. Massive thanks to anyone who takes the time to read it and offers any help. They are just so unhelpful though. I've spoken to maybe 20 people on the phone today. 2 gave me some help. God knows what my next phone bill will be.

Hello I have a question regarding a possible debt collection enforcement in EU country. I've lived in the UK for 7 years (Czech citizen..) did my studies, worked, all went quite well. Then one day, I've decided to take out an unsecured personal loan from Lloyds ( done online in few minutes ..). Bit of a bummer, shortly after, I was told that our department will be outsourced and all members will be made redundant. So, I didn't touch the money and started looking for a job ( wasn't waiting for the redundancy, left before it actually happened..). I've found job in CZ and also because of other reasons, I've left the UK. The loan was sort of paying itself off as I tried not to touch the money unless necessary, managed as well to pay some off from my salary in CZ. Now however it became impossible for me to meet payments as paying £ loan with Czech Koruna based salary is just not really viable. The outstanding amount is something over £5000. I'm not sure what to do here, I can't pay it ... I guess my question is. What is the usual procedure in similar cases would Lloyds chase me ? can they chase me through some third party debt collector? or, can I ask them to freeze payments for some time (6 months) ?? Any advice will be much appreciated. Thank you...