debts or not
 

do i bring my debts with me or do i say sod it and leave them in blighty,any help would be greatly appreciated,thanks,jeanettetlw

Re: debts or not
 

You will get quite a few 'strong' replys/points of views on this site about this particular subject, so I suggest you try this site.

http://www.expatfocus.com/index.php?...iewforum&f=173

Re: debts or not
 

I'd pay but thats just me.You created those debts so you should be responsible and pay them,don't you think?I've said this before but people who skip out on their debts,just as well of robbed a bank in my opinion.

Re: debts or not
 

what are you after a whip round?

Re: debts or not
 

If you leave unpaid debts in the UK I hope for your sake that you never want to go back!

Re: debts or not
 

Oh dear, here we go again.

Popcorn anyone? :lol:

To the OP - it may be worth putting "debt" into the search facility - this subject tends to start up quite intense debate.
If you can wade through all the rubbish, you should find some decent advice in there.

Re: debts or not
 

Well - if you're offering Steve, I won't say no :lol:

Re: debts or not
 

do you have the salted kind miss?

Re: debts or not
 

Prefer some pizza myself.....somehow I KNEW this was gonna be a long night......

Re: debts or not
 

arh little miss whiplash :wub:

its always the quite ones

Re: debts or not
 

Jeanette, you will get some very mopinionated answers to your question, so be prepared. What you need to think abut is - if you borrowed the money, why do you think you should be exempt from paying it back?
Many of us could not pay off debts before leaving the UK, for one reason or another, so we carried on paying once we got to Australia. Personally speaking, it was a matter of conscience for me.

Re: debts or not
 

IMO its thieving plain and simple,
if someone puts their hand in my pocket i`d want to rip it off ;)

Re: debts or not
 

Pull up a seat and enjoy the show folks :thumbup:

Re: debts or not
 

You may well end up with an Aussie debt recovery company contacting you one day. Very complex stuff. Make your own mind up about it as you won't get many helpful replies on here ;)

Re: debts or not
 

are we back on to the whip round?

Re: debts or not
 

If there's pizza could we leave the anchovies and capers off please.

Re: debts or not
 

Love these threads, so have subscribed to see the fall out.

My two cents though would be that if you can pay (even a little bit at a time) then you should. You borrowed it, you pay it back.. it's fairly straightforward in most cases. That's just my opinion though and I know others would disagree.

Re: debts or not
 

Its people like you that have put this country into recession, instead of blaming the bankers let look at the irresponsible borrowers who can't be bothered to pay off the debts they have racked up. If you can't afford to pay it off, emigrating should be the last thing you should be doing. How do you think you will afford to live there, if you can't live within your means here? Heres my advise, neither a borrower nor a leander be. If you havent got at least £50,000 to emigrate with, don't or you'll just end up on here in 12 months time moaning about the cost of living and being trapped with no money to go home.

Re: debts or not
 

If your back is absolutely on the wall, I'd say just quit.... banks do make allowances for distressed customers. Afterall, your life is more important than anything else.

BUT, if you can afford to pay it back, please do so by all means.
Otherwise, the guilt will haunt you foreever. Some people (who don't ask such a question on BE forum) could handle it, but trust me you can't.

Re: debts or not
 

Depending on the debt, keep your head down in Oz for at least 6 years and stay off social networking websites that have your contact details.

http://www.insolvencyhelpline.co.uk/...tation_act.php

Re: debts or not
 

£50,000,,well that means not many of us could ever get 2 australia, what a load of rubbish! and btw we know nothing about the op, everyone is quick to judge, i agree that the op should make some arrangements to try & pay. best make ur own choices only you can know what you want or need 2 do.

bluekipper

Re: debts or not
 

I hate when people get on their high horse with these kinds of threads. Everyone`s situation is different and who am I to pass judgement on anyone else over their debts.

I'll tell you one thing and that is I certainly won't shed any tears for the banks and any losses they would incur over people walking away from UK debts. They wouldn't shed any for us.

It`s a bit off topic but these same banks operate everyday in a world where their actions cannot be called anything other than fraud! If any of us were to try some of these tricks we would be locked up but when the banksters do it, it`s ok because that`s just how the "system works".

Don't forget the Banks walk away from debt all of the time and it`s considered part of business.

Re: debts or not
 

I wish I had 50,000 when I moved here! I didn't even have 5,000!

I think the OP should just leave the debts, afterall it's only money, who cares.

Re: debts or not
 

It's unlikely to be passed onto an Aussie debt collection agency and even if it is there is little they can do, you should pay it if you can but I personally wouldn't lose any sleep over it if you don't, after all it was only the greed of the banks that made them loan you the money, they didn't do it because they felt sorry for you or just wanted to help you out because they're nice, they take the chance and sometimes they lose.

Re: debts or not
 

Its always such a lovely gift to your family and friends to bog off not paying your debts, they can then remember you everytime they are contacted by debt collecting heavies about where youve moved too.

Nicer than sending flowers :lol:

Re: debts or not
 

Under the data protection act, your family or friends cannot be told about your debts. They may contact them to ask for your details, but they can't say who they are or why they are calling.

To the OP. Personally, you took out the loan, you should pay it back - if its hard then pay back just a bit, but pay it back eventually at least.

Re: debts or not
 

Ive seen all that written on here many times however....

We recently had tenants who skipped a pile of debt ( we got ours- rental bond ) anyway, 6 months later the new tenants were still be bombarded by mail from banks, courts and lawyers, debt collectors, 'representatives' of certain companies, armed police officers with a warrant. I dont suppose for one second any of them blurted out exactly what it was for but it doesnt take much to work out they werent coming round for a cup of tea.

Couple of companies also sent demands:rolleyes: for the money to A: myself as landlord and B: 'occupier of the house' - the new tenant of course opened the mail. Full details of whats owed the works.

Re: debts or not
 

Why doesn't anyone like anchovies? Capers I can live without!:rofl:

Re: debts or not
 

That was obviously for something much more than a debt.

As for mail, if you are getting someone elses mail for their debt, how does it hassle you? just throw it in the bin, it can't damgage your credit rating.

At my old place I used to always get letters for the previous tennants debts, I simply put "not at this address" I then recieved more, so made a complaint to the ombudsman, never recieved any again.

Not my debt, not my problem... why worry about it. Only the person who owns the debt will have their credit rating dammaged, no one else.

Re: debts or not
 

No. Debt. The agency who manage the property were also contacted and questioned by the police.

I got the distinct impression companies here dont just let the debt 'go'. The company who tried to get us to pay the bill :rolleyes: were chasing a mere $436.

I assume some of the other debt was larger and at least one company obviously took it from letters to lawyers to court to police. It took several months to escalate but more than one company were like a dog with a bone.

Re: debts or not
 

I used to get letters from dept collection agencies because of the former owner of my house. The were addressed to 'the occupier' so I opened them. I used to then phone the companies and give the address of the former owner of my house! The agencies were always a pleasure to deal with. :rofl:

Re: debts or not
 

I try not to judge the feckless people who leave debt behind I just wish they were steralized at the emigration medical as a precaution.

Re: debts or not
 

The "It's not my fault I have massive credit card debts, I really need to go on holiday and buy a brand new car" types that get my goat.

Re: debts or not
 

Ah, yer typical Today Tonight "Aussie Battler" :rofl:

Re: debts or not
 

Aussie battlers:lol: like the ones on cant afford to eat:rolleyes:, cut to free foodbank and mass scrum of 22 stone porkers stuffing trolleys with free food :lol: Classic battler.

Re: debts or not
 

After a month or so of returning mail to sender we got all the to 'the owner' or 'the occupier' mail regarding the debts. Most of them were not even glued down, anyone could read them, I reckon the neighbours did, they knew all about it too.

Re: debts or not
 

Thats a ridiculous thing to say!No one "makes"you loan money.They did it because the OP asked!:ohmy:You have choices don't you?No one escorts you to the bank with a gun to your head!

Re: debts or not
 

what a complete selfish tosser you are

where does it say the debts owed to the bank?
and why does taht make any difference
you borrow and you pay it back, reagrdless weather its from auty agnus or the bank of scotland

Re: debts or not
 

Firstly, Police don't have anything to do with civil debt. So, if Police were there it was nothing to do with debt. If a debt was from a court judgement then the Sheriffs will get involved. They do a similar job to the court bailiffs in the UK.

Most of these debt collection firms are full of sh!t. Everything that comes out of their mouth is nothing more than rubbish intended to scare people into paying when there isn't a legal obligation.

Re: debts or not
 

Actually, half the time they did it becuase it is a product they are trying to sell. Like selling credit cards in shopping centres etc.

Ever receive the "You've been pre-apprved for out fantastic new credit card..." letter from your bank in the mail?

Obviously people are asking to go into debt and it's not the manipulative sales techniques...