I have lived in England for about 6 years. I had couple of Bank accounts and was using credit cards as well.

While coming, I didn’t return the money used from credit cards and overdrafts used from Banks. What can be done in this case?

Also I was using mobile phone and laptop on installment and brought those things with me and never paid the remaining amount.
Please explain what should be done now?

You need to pay the amount as Rad Al-Madhalim

Please watch this video to find out more