The amount of the principal overdraft exceeds 50,000, which is enough to constitute a malicious overdraft

If the bank calls the police, you will be detained

If you have no assets to mortgage or If someone with the ability to repay provides a guarantee, why negotiate with the bank for nothing?

The bank will not waste time negotiating with you to ask you to repay the loan

Go directly to the debt collection agency or hire a lawyer to call the police and sue

Repay the loan as soon as possible Reduce the principal to less than 50,000 to avoid police intervention