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Search: Posts Made By: perksy
Showing results 1 to 25 of 25
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Forum: Australia
Jul 21st 2009, 1:58 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Some valid points raised and some bullshit in there aswell I'm afraid. Firstly council tax is civil not consumer debt and theres no getting out of paying see here...
Forum: Australia
Jul 21st 2009, 1:16 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

See post number 173
Forum: Australia
Jul 21st 2009, 1:14 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

See post number 89 on this thread. A DCA or creditor may go for a CCJ on the off chance they presume you are ignoring their threats of payment. Should you discover thats happened you can apply to the...
Forum: Australia
Jul 20th 2009, 11:12 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Highly doubtful since they cant CCJ him because he doesn't reside in England or Wales.
Forum: Australia
Jul 20th 2009, 11:10 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Effectively yes you can. The pre-1998 Student Loans are classed as consumer debts. Its just the same as doing a bunk on your credit card, overdraft or store card. Sure your UK credit score will get...
Forum: Australia
Jul 19th 2009, 5:23 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Agree totally and a good post, however the change must start right at the top starting with the heads of the financial sector. How can Joe Public be educated on his finances when the financial...
Forum: Australia
Jul 19th 2009, 4:06 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Agreed. Though this option mainly covers the higher end of the borrowing sector by which I mean companies, CEO's, etc. they have the capabilities to borrow big, and liquidise in a whim many many...
Forum: Australia
Jul 19th 2009, 3:59 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

It isn't deceitful or illegal to borrow and then move abroad wether you know your intentions or not. Indeed some posters have said they are carrying on paying UK debts whilst living over here. From a...
Forum: Australia
Jul 19th 2009, 3:50 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Quite true, you can declare bankruptcy from Australia, though you still need a UK address. I wouldn't advise it though, if it were me I would be taking professional advice from UK based solutions...
Forum: Australia
Jul 19th 2009, 3:34 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Its neither to be fair. Its certainly not stealing as the creditor gave permission for the loan. I cant see it as being dishonest either, unless you purposely seek to gain credit with no intention of...
Forum: Australia
Jul 19th 2009, 3:16 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Another one who needs to learn the meaning of the word steal. The key phrase here is take without permission. A creditor LENDS money, the debtor doesnt TAKE money. being in debt and not paying debts...
Forum: Australia
Jul 19th 2009, 2:54 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

I dont think Centurion was taking sides. The post was to point along the lines that this debt thread is concentrating on the legal issues of debt rather than the moral stance. There's heeps of posts...
Forum: Australia
Jul 19th 2009, 2:33 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

You need a UK address to be declared bankrupt in the UK
Forum: Australia
Jul 19th 2009, 12:06 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

If the Student Loan is pre-1998 (an old style one) then its classed as a consumer loan and not alot can be done to chase up payment. This loophole was closed for Student Loans issued post 1998 (which...
Forum: Australia
Jul 19th 2009, 12:01 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Quite correct. If you have an outstanding CCJ then providing the country in which you reside has a reciprocal agreement with the UK then there is a chance the creditor could apply to the Australian...
Forum: Australia
Jul 18th 2009, 2:35 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Debt written off after 6 years regardless of interest added. Only way they could find out if you were back in the UK during this period would be if you applied for credit or went back onto the...
Forum: Australia
Jul 18th 2009, 3:08 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

I think the poster needs to start to do some research as not many people here know much about the Australian debt system only the UK one.

Here http://www.debthelpline.com.au/ would be a good place...
Forum: Australia
Jul 18th 2009, 2:03 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Interesting, I don't know much about debt collection in Australia, only the UK.
Forum: Australia
Jul 18th 2009, 1:56 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Heres a quick summary of how it works. Firstly the creditor cannot knock on your door and demand possession of your house, its a long and costly process.

Creditors will chase you for a while, if...
Forum: Australia
Jul 18th 2009, 1:22 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

I agree with you totally, though its the UK law not the financial institutions that set the 5 and 6 year limit.
Forum: Australia
Jul 18th 2009, 12:13 am
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Quite right, however legally there isn't a damn thing you could do about it if I didn't.

Lending is based on trust and nothing else.
Forum: Australia
Jul 17th 2009, 11:41 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

It is only stealing in your eyes. In the eyes of the British law it is not. I would like you not only to answer my previous question to you but also answer me this one.

Should you lend me a CD...
Forum: Australia
Jul 17th 2009, 11:33 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Tax and Inland Revenue are classed as a civil debt i.e it is owed to the British government, and as the UK and Australia have a recipricol agreement it is enforceable in Australia so theres no...
Forum: Australia
Jul 17th 2009, 5:52 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Oh dear another do-gooder with no idea. Non payment of debt is not stealing. Dishonestly obtaining credit is fraud.

EDIT: What would you class a DCA trying a chase a statute barred debt?
Forum: Australia
Jul 17th 2009, 5:32 pm
Replies: 222
Views: 163,188
Posted By perksy

Re: Leaving UK Debt Unpaid - A Warning

Fantastic, been away for a week and on my return its another debt thread :lol:

Just for the record:

You can walk from a consumer debt, not a civil one.

Being in debt is not a crime

Not...
Showing results 1 to 25 of 25


 
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