Originally Posted by Sunny_Glesga

Yes, Well Said Bob! :D

Originally Posted by celine_uk

im in canada and when i left england 4 years ago i had credit card debt from my student years, it took me 4 years to pay it off but i did right down to the last penny. I sent a bankers draft in pounds back to my english bank account every month and pay it off as quickly as possible, i had 3 cards and moved to money around to lower the interest rate every 6 months etc.

I still have credit cards but i make the credit card companies work for me, they make me money, i.e points etc and not the other way round.

be careful mate, friends of mine here left 1000s in debt back in the UK and 3 years later had a Canadian Collections agency calling them asking them to pay back what they borrowed in the UK (with ALOT of interest)

my advice to you mate, dont leave debt in the UK, they'll find you and you'll never learn, and you'll just do it again in ur new country and who knows you might move to back to england.

good luck :)

Originally Posted by rodders39

Canada has an agreement with the UK that makes it much easier to chase debtors down... I believe Australia does not have that agreement at the moment...

Originally Posted by busterboy

....if you don't get your tongue out of your cheek...you will stay like that. :p

Originally Posted by CathnPaul

The oz government are looking at putting it put into place and should be in for 2008. But some companies use international debt collection agencies.

Originally Posted by rodders39

The window's closing then... :)

It's my understanding that civil judgements in the UK are virtually unenforceable abroad except where agreements covering this exist. For an international debt collection agency to be able to work surely it would involve the UK creditor selling their debt to them and them being based in the country of current residence of the debtor. Certainly worthwhile for very large sums...

I wonder if we have a lawyer in the forum who could give us a definitive answer...?

Originally Posted by CathnPaul

Rodders, I am in the business and what you have said is exactly what happens.

Originally Posted by rodders39

Ooer... :eek:

Then there's the $64k question for some people...

:scared:

Originally Posted by datamile

Oh someone elses fault as usual... they forced me to have the credit cards.. I need sky tv.. oh if they put fags up again it'll be the death of me... you can't watch a 28' tv these days....

If you can't cover debts, don't have them. Who do you thinks pays for the non-payers, the uninsured car crashes etc

Originally Posted by datamile

Oh someone elses fault as usual... they forced me to have the credit cards.. I need sky tv.. oh if they put fags up again it'll be the death of me... you can't watch a 28' tv these days....

If you can't cover debts, don't have them. Who do you thinks pays for the non-payers, the uninsured car crashes etc

Originally Posted by busterboy

...but I need that BMW convertible, it goes with my image...blah, blah
Sucker born every minute...show me a poor ad-man :rolleyes:

Originally Posted by CathnPaul

could you just leave it on my drive so i can use it for free??? no charge. :D

Originally Posted by busterboy

Yes, I'll make sure my stuffed wallet is in the glove box for you too! How do you like your readies in £10 or £20s? :)