I have recently moved back to the UK. My bank account is overdrawn by 150 Euro and childcare are insisting I owe them 160 euro, despite them taking the money out twice (leaving me the 150 euro in the red). However, I need childcare to fill in a form to recover my childcare costs (1,000 euro) and the landlord is refusing to refund the bond, as I am no longer in the country so he knows that I will struggle to chase him (another 1,000 euro). I can't repay the money I owe until I get the money I am owed. What will the backlash be?