What can happen to you if you do not pay your personal loan and owerdraft in the UK It is around 8k you are non-resident leaving in Spain?

If you fail to pay your personal loan and overdraft in the UK, the lender may report your missed payments to credit reference agencies, which can negatively impact your credit score. They may also initiate collection actions, including contacting you for repayment or potentially involving debt collection agencies. If the debt remains unpaid, it could lead to legal action, and the lender may seek a court order to recover the money, which could result in additional fees. As a non-resident, while enforcement options may be limited, the debt could still affect your financial standing if you return to the UK or attempt to access credit in the future.