I have been a bad boy in the past, run up thousands of debt with numerous credit cards, personal loans etc, had my house repossessed back in 1995, although got mortgages and credit cards after this, escaped to Cyprus in 2004 and returned to Uk skint to try and rebuild a life. HBOS have now written to me saying that I owe them over £20,000 from the shortfall from when they re-sold the house they repossessed, how they found me I don't know, I'm a lodger now, not on the electoral role, started work so presume they found out my new address through my tax code/NI number and work. When are the rest gonna come knocking on my door for retribution. How will this affect my work. I'm living month to month, survive with a £300 overdraft so I haven't any spare money, just tired of this situation I've lived with for the past 12 years and don't know whats best? Bankruptcy-IVA-escape back abroad. If I ever find a partner how does this effect them, just worrying me senseless at the moment and don't know were to turn - they can't shoot me but that feels like the best alternative at the moment AMC-Jasperdog