> Yeah but then I can't send 5000 text messages a month for 10 uk pounds
> I just don't want the baliffs coming around & taking my flatmates
> stereo equipment etc.
> (private debt collectors etc.)

So you can pay back £120 a year by getting rid of the phone - and
perhaps if you find an alternative cheaper way to travel abroad, you can
pay back more of what you owe.

If the charges were "illegal" - for which the financial services
authority (?) have now set a limit of a £12 charge - you can claim back
all the excess charges.

You have nothing to lose as you're abroad 70% of the time, so it won't
be an issue if they close your account (which they have been known to
do, much to the chagrin of the FSA etc.)