last year i took out a loan from a bank in july start date of payment some months later.... I resigned from my job suffered a serious illness with no illness cover could not afford to make any payments to loan and could not get any benfits because i had resigned from job....sub, existed on overdraft and credit card all with the same bank.....Finaly managed to get onto benefit but could not make the payments for my debts ( been over a year now) ... have sub not contacted the bank and moved address total debt around £11,500 plus charges...What can I do to resolve this issue