Leaving UK Debt Unpaid - A Warning
Jul 20th 2009, 6:06 am
#151
BE Forum Addict
Joined: Sep 2007
Location: Ferny Grove
Posts: 1,496
Re: Leaving UK Debt Unpaid - A Warning
http://www.officialsolicitor.gov.uk/..._countries.htm
Jul 20th 2009, 6:19 am
#152
Living the dream!
Joined: Nov 2008
Location: Mandurah, WA
Posts: 782
Re: Leaving UK Debt Unpaid - A Warning
Go to court, get a REMO agreement (or Australian equivalent) assuming the agreement exists between the two countries in question (certainly does UK and Australia) then Australian CSA can enforce it through the CSA of whichever country he is in.
http://www.officialsolicitor.gov.uk/..._countries.htm
http://www.officialsolicitor.gov.uk/..._countries.htm
Jul 20th 2009, 6:34 am
#153
Just Joined
Joined: Jul 2009
Posts: 2
Re: Leaving UK Debt Unpaid - A Warning
Hi i have a question about leaving debt in australia, had lots of bad news the last few weeks and more today, to cut a long story short i lost my job so did the wife, we managed to keep paying bills, mortgage etc but decided we just couldnt struggle on any longer so have booked flights home, problem is we have no money wat so ever and are worried sick as we have a credit card with $4000 and to top the lot today we found out we have to pay 4 grand in penalties for stamp duty as we havent had the house 12 months, im basically crapping myself as we have never been in debt and i just dont know how i'm going to pay them back, we made 10 grand on house but that just covers fees, any advice please
Jul 20th 2009, 7:24 am
#154
BE Enthusiast
Joined: Sep 2008
Location: Sydney
Posts: 678
Re: Leaving UK Debt Unpaid - A Warning
Hi i have a question about leaving debt in australia, had lots of bad news the last few weeks and more today, to cut a long story short i lost my job so did the wife, we managed to keep paying bills, mortgage etc but decided we just couldnt struggle on any longer so have booked flights home, problem is we have no money wat so ever and are worried sick as we have a credit card with $4000 and to top the lot today we found out we have to pay 4 grand in penalties for stamp duty as we havent had the house 12 months, im basically crapping myself as we have never been in debt and i just dont know how i'm going to pay them back, we made 10 grand on house but that just covers fees, any advice please
I have the following suggestions:
1) Why do not you ask your friends/relatives back home for li'l help. I'm sure that way you can arrange some funds.
2) Why not talk to your credit card company and see if you can buy some more time.
Remember, leaving your debts behind might not be the best thing to do
. I'm only saying this, coz it might affect your chances of returning back to Australia in the future.I wish you a really good luck...
Jul 20th 2009, 8:59 am
#155
BE Forum Addict
Joined: Sep 2007
Location: Helensvale - yipeeeeeeeee!!
Posts: 1,331
Re: Leaving UK Debt Unpaid - A Warning
I have a question that might fit into this thread.
My cousin hopes to move to Australia shortly but he has a £2k credit card debt. He has worked to pay off other debts but just has this one left.
I am not saying I agree with him but I think he is planning to come to Australia and leave the debt behind, not giving the creditors his forwarding address. However, he is worried because he has a few thousand in a UK account. Its only in his name though, its not his money. His brother in law owns the money......long story but there you go.
The question is, if he comes to Australia, could a debt collection agency get their hands on the money that he has in the account in the UK?
Thanks,
Ren
My cousin hopes to move to Australia shortly but he has a £2k credit card debt. He has worked to pay off other debts but just has this one left.
I am not saying I agree with him but I think he is planning to come to Australia and leave the debt behind, not giving the creditors his forwarding address. However, he is worried because he has a few thousand in a UK account. Its only in his name though, its not his money. His brother in law owns the money......long story but there you go.
The question is, if he comes to Australia, could a debt collection agency get their hands on the money that he has in the account in the UK?
Thanks,
Ren
Jul 20th 2009, 10:05 am
#156
Forum Regular
Joined: May 2009
Posts: 127
Re: Leaving UK Debt Unpaid - A Warning
Erm not technically true, If you do decide to go back then all you have to do is ring them up and tell them your coming home and want to pay off the debts. You then arrange a payment plan. Chances are its been sold to an agency for about £1 in every £10 so you can actually wipe most of it off and pay probably 8/9 times less than the actual debt initially was. If you already been defaulted with a couple of years left then its really just not worth paying it back at all.
Jul 20th 2009, 10:07 am
#157
Account Open
Joined: Jan 2005
Location: Brisbane
Posts: 4,298
Re: Leaving UK Debt Unpaid - A Warning
Jul 20th 2009, 10:19 am
#158
Forum Regular
Joined: May 2009
Posts: 127
Re: Leaving UK Debt Unpaid - A Warning
on the other hand, what are your taxes paying for??
I know a girl who has 4 kids with different dads and receives £400 a week cash plus £1500 a month rent. Thats more than I earn.
I put my house up for rent and all I have had is single mothers applying who havent worked a day in their lives.
I regularly deal with immigrants claiming benefits under 3/4 different names and living the high life.
Why should I have to pay taxes for these people?? They regularly deceive banks and institutions and nothing will happen to them.
begs the question why bother yourself??
I know a girl who has 4 kids with different dads and receives £400 a week cash plus £1500 a month rent. Thats more than I earn.
I put my house up for rent and all I have had is single mothers applying who havent worked a day in their lives.
I regularly deal with immigrants claiming benefits under 3/4 different names and living the high life.
Why should I have to pay taxes for these people?? They regularly deceive banks and institutions and nothing will happen to them.
begs the question why bother yourself??
Jul 20th 2009, 11:10 am
#159
Cad and bounder
Joined: Jan 2007
Posts: 1,080
Re: Leaving UK Debt Unpaid - A Warning
Regarding the Stduent Loan thing (Perksy?), I have 3 student loans 1996, 1997, 1998. I'm currently paying them off and will continue to do so as I am grateful for a good education and luckily can afford it with no real issues (mostly due to a good job directly related to a good education!)...
but! Totally theoretically, if I decided to close the UK account I pay out of (direct debit agreement signed in 1996) they have no way of making me pay?
My loans (luckily) are fairly low as I was able to receive the grants at the time. I do however have friends whose loans are now around the 7500quid mark. Can they just leave them? Surely there is some come-uppance? Or is it truly as simple as closing UK account and staying out of UK for 5 years?
If this is the case I'm amazed that the SLC can miss out on so much cash!
Just to reiterate to anyone who feels morally outraged, I won't be doing this - I am only a few hundred quid from paying it off. And as I have family in the UK it's just not worth having that hanging over me as I may have to one day move back - anything can happen.
but! Totally theoretically, if I decided to close the UK account I pay out of (direct debit agreement signed in 1996) they have no way of making me pay?
My loans (luckily) are fairly low as I was able to receive the grants at the time. I do however have friends whose loans are now around the 7500quid mark. Can they just leave them? Surely there is some come-uppance? Or is it truly as simple as closing UK account and staying out of UK for 5 years?
If this is the case I'm amazed that the SLC can miss out on so much cash!
Just to reiterate to anyone who feels morally outraged, I won't be doing this - I am only a few hundred quid from paying it off. And as I have family in the UK it's just not worth having that hanging over me as I may have to one day move back - anything can happen.
Jul 20th 2009, 11:12 am
#160
Cad and bounder
Joined: Jan 2007
Posts: 1,080
Re: Leaving UK Debt Unpaid - A Warning
I have a question that might fit into this thread.
My cousin hopes to move to Australia shortly but he has a £2k credit card debt. He has worked to pay off other debts but just has this one left.
I am not saying I agree with him but I think he is planning to come to Australia and leave the debt behind, not giving the creditors his forwarding address. However, he is worried because he has a few thousand in a UK account. Its only in his name though, its not his money. His brother in law owns the money......long story but there you go.
The question is, if he comes to Australia, could a debt collection agency get their hands on the money that he has in the account in the UK?
Thanks,
Ren
My cousin hopes to move to Australia shortly but he has a £2k credit card debt. He has worked to pay off other debts but just has this one left.
I am not saying I agree with him but I think he is planning to come to Australia and leave the debt behind, not giving the creditors his forwarding address. However, he is worried because he has a few thousand in a UK account. Its only in his name though, its not his money. His brother in law owns the money......long story but there you go.
The question is, if he comes to Australia, could a debt collection agency get their hands on the money that he has in the account in the UK?
Thanks,
Ren
Jul 20th 2009, 11:37 am
#161
BE Forum Addict
Joined: Sep 2007
Location: Helensvale - yipeeeeeeeee!!
Posts: 1,331
Re: Leaving UK Debt Unpaid - A Warning
Thanks for that.
Jul 20th 2009, 12:49 pm
#162
not sure...
Joined: May 2007
Location: out in the boonies
Posts: 1,537
Re: Leaving UK Debt Unpaid - A Warning
I have one question: if one buggers off to Aus leaving UK debts behind can they declare you bankrupt in the UK in your absence? I ask only because being declared bankrupt would prevent my OH working in his field in the UK should we return from Oz. I should also point out that we have no intention of buggering off without paying our debts in the UK first...although I did suggest it in a moment of pure frustration at how long it was taking to do so.
Jul 20th 2009, 9:35 pm
#163
BE Forum Addict
Joined: Oct 2005
Location: In a house
Posts: 2,590
Re: Leaving UK Debt Unpaid - A Warning
I'd say that people who leave debt aren't going to rush to tell creditors where they're moving. So do creditors need to prove you're in the UK to get a CCJ, or would a CCJ raised against someone not in the UK be no longer valid
Jul 20th 2009, 10:38 pm
#164
BE Forum Addict
Joined: Apr 2008
Location: Epsom
Posts: 1,705
Re: Leaving UK Debt Unpaid - A Warning
I have one question: if one buggers off to Aus leaving UK debts behind can they declare you bankrupt in the UK in your absence? I ask only because being declared bankrupt would prevent my OH working in his field in the UK should we return from Oz. I should also point out that we have no intention of buggering off without paying our debts in the UK first...although I did suggest it in a moment of pure frustration at how long it was taking to do so.
Jul 20th 2009, 10:49 pm
#165
BE Forum Addict
Joined: Apr 2008
Location: Epsom
Posts: 1,705
Re: Leaving UK Debt Unpaid - A Warning
Would creditor be able to get a CCJ if you'd not told them you're no longer residing in the UK?
I'd say that people who leave debt aren't going to rush to tell creditors where they're moving. So do creditors need to prove you're in the UK to get a CCJ, or would a CCJ raised against someone not in the UK be no longer valid
I'd say that people who leave debt aren't going to rush to tell creditors where they're moving. So do creditors need to prove you're in the UK to get a CCJ, or would a CCJ raised against someone not in the UK be no longer valid