I lived in the UK from May of 1998 to March of 2005. In this time I lived in various places in London, and spent quite a considerable amount of time working part-time, and travelling inbetween my work periods. Unfortunately during this period I accummulated some debt, which I tried to get out of but failed on numerous occassions. I (think - but am not entirely sure!) that I may have entered a debt agreement which lapsed, and also left the country without finalising my credit-card or an overdraft which I had. They were not huge amounts, but I do not want any further black marks on my credit rating in the UK, and would like to try to rectify any bad debts which I had when I left the UK 3 years ago. Unfortunately, although I realise that it's no excuse, at the time I was 'not in a good place', and therefore have no memory, or idea what debts there were, and to what extent I left my personal records in. I now live a very straight life, and although they were not huge amounts, I do not want any further black marks on my credit rating on the UK, and would like to try to rectify any bad debts which I had when I left the there in the past. I was also thinking of possibly returning to the UK in the next couple of years and don't want any further problems upon entering the country, or obtaining bank accounts, or a possibly mortgage in the future. Could you advise me on this as well please? I really don't even know where to begin to look, and I was hoping that you might be able to assist me in this matter so that I can sort it out as soon as possible.