Im around 8 grand in debt with my bank. Im gettimg charged ridiculous prices in overdraft fees and interest. Some of my friends have just changed their personal details and closed their bank accounts. I ve tried to work out a reasonable payment plan but they are obviously making too much money out of me to come to a civil agreement. I believe that if i do close my account the debt will then go ro a 3rd party debt collectors. Can they then officially take me to court? I know this will have a huge impact on my credit scores too, but im beyond worrying about that at this stage! Any advice would be greatly appreciated! Thanks in advance.