Leaving UK Debt Unpaid - A Warning
Jul 17th 2009, 5:42 pm
#47
BE Enthusiast
Joined: Sep 2008
Location: Sydney
Posts: 678
Re: Leaving UK Debt Unpaid - A Warning
Fantastic, been away for a week and on my return its another debt thread 
Just for the record:
You can walk from a consumer debt, not a civil one.
Being in debt is not a crime
Not paying a consumer debt is not a crime unless dishonestly obtained
The debt stays on your UK credit history for 6 years (5 in Scotland)
UK and Australian credit histories are totally different entities and cannot be transferred even if your creditor is a multinational company. The UK Data Protection Act stops this
A UK consumer debt cannot be enforced in Australia even if you have 50 debt collectors knocking on your door in Oz.
Any written demands for UK consumer debt sent to your Australian address carry as much clout as last weeks shopping list. Its a DCA's scare tactics to try and make you pay up...you dont have to.
Same applies for telephone demands if you get called in Australia
Anything else?
Just for the record:
You can walk from a consumer debt, not a civil one.
Being in debt is not a crime
Not paying a consumer debt is not a crime unless dishonestly obtained
The debt stays on your UK credit history for 6 years (5 in Scotland)
UK and Australian credit histories are totally different entities and cannot be transferred even if your creditor is a multinational company. The UK Data Protection Act stops this
A UK consumer debt cannot be enforced in Australia even if you have 50 debt collectors knocking on your door in Oz.
Any written demands for UK consumer debt sent to your Australian address carry as much clout as last weeks shopping list. Its a DCA's scare tactics to try and make you pay up...you dont have to.
Same applies for telephone demands if you get called in Australia
Anything else?
Perfect. Haven't seen a better answer.
Jul 17th 2009, 5:46 pm
#48
BE Enthusiast
Joined: Aug 2002
Location: An expat Aussie trying to understand why anyone wants to move to Oz.
Posts: 485
Re: Leaving UK Debt Unpaid - A Warning
Amazing how many of you think is this perfectly OK. If you just leave your debt behind in the UK without going through bankruptcy you are a THIEF, there is no other word for you.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
Jul 17th 2009, 5:52 pm
#49
Cad and bounder
Joined: Jan 2007
Posts: 1,080
Re: Leaving UK Debt Unpaid - A Warning
Amazing how many of you think is this perfectly OK. If you just leave your debt behind in the UK without going through bankruptcy you are a THIEF, there is no other word for you.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
EDIT: What would you class a DCA trying a chase a statute barred debt?
Last edited by perksy; Jul 17th 2009 at 5:56 pm.
Jul 17th 2009, 6:02 pm
#50
Forum Regular
Joined: Feb 2007
Posts: 171
Re: Leaving UK Debt Unpaid - A Warning
Amazing how many of you think is this perfectly OK. If you just leave your debt behind in the UK without going through bankruptcy you are a THIEF, there is no other word for you.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
Jul 17th 2009, 7:22 pm
#51
Joined: Jan 2005
Location: Asia Pacific
Posts: 4,922
Re: Leaving UK Debt Unpaid - A Warning
Amazing how many of you think is this perfectly OK. If you just leave your debt behind in the UK without going through bankruptcy you are a THIEF, there is no other word for you.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
I hope with the huge number of defaults happening now that debt collections can happen more easily across borders and all of you are made to pay every penny back.
Stealing is wrong and those of you who think otherwise are the scum of our society and should be locked up or deported.
Jul 17th 2009, 8:04 pm
#52
BE Enthusiast
Joined: Aug 2002
Location: An expat Aussie trying to understand why anyone wants to move to Oz.
Posts: 485
Jul 17th 2009, 8:05 pm
#53
BE Enthusiast
Joined: Aug 2002
Location: An expat Aussie trying to understand why anyone wants to move to Oz.
Posts: 485
Re: Leaving UK Debt Unpaid - A Warning
By saying that you can legally get away from your debt obligations, the inference is that it is OK...
Jul 17th 2009, 8:07 pm
#54
BE Enthusiast
Joined: Aug 2002
Location: An expat Aussie trying to understand why anyone wants to move to Oz.
Posts: 485
Re: Leaving UK Debt Unpaid - A Warning
Jul 17th 2009, 8:54 pm
#55
BE Enthusiast
Joined: Dec 2007
Location: Michelago
Posts: 545
Re: Leaving UK Debt Unpaid - A Warning
Barney
Jul 17th 2009, 9:27 pm
#56
Account Closed
Joined: Jul 2007
Posts: 263
Re: Leaving UK Debt Unpaid - A Warning
It is not mean hoping that she has to pay it back. It is because of people like her that make us honest people pay extra when dealing with financial institutes. They factor all this "Bad Debt" and costs involved in recovering the debt into their own costs and of course, we as the end users, pay that bill.
Barney
Barney
Jul 17th 2009, 9:31 pm
#57
Joined: Jan 2005
Location: Asia Pacific
Posts: 4,922
Re: Leaving UK Debt Unpaid - A Warning
I don't actually think its OK myself to abscond deliberately. That said its a matter of BE record that I have left a couple of small debts in the UK, mainly due to the complete stupidity of the companies involved and my unwillingness to spend any more time and money dealing with an Indian call/processing center to rectify their own inability to deal with matters. I tried, lord only knows, but there is only so much I am prepared to do for companies who lack the capability to close accounts despite promises that all was resolved.
It is not my moral responsibilty to make up for shabby customer service to paying customers especially when it costs me money to do. Of course that was completely different to the OP's friends situation.
Jul 17th 2009, 9:55 pm
#58
Timelord
Joined: May 2006
Location: Lost in space...
Posts: 2,834
Re: Leaving UK Debt Unpaid - A Warning
I wonder what the situation is as far as Tax goes...? Anyone actually know the answer rather than just speculation...?
Jul 17th 2009, 11:07 pm
#59
BE Enthusiast
Joined: Sep 2008
Location: Oz
Posts: 408
Re: Leaving UK Debt Unpaid - A Warning
The point of my post was to educate as to the legal position some may find themselves in.
I don't actually think its OK myself to abscond deliberately. That said its a matter of BE record that I have left a couple of small debts in the UK, mainly due to the complete stupidity of the companies involved and my unwillingness to spend any more time and money dealing with an Indian call/processing center to rectify their own inability to deal with matters. I tried, lord only knows, but there is only so much I am prepared to do for companies who lack the capability to close accounts despite promises that all was resolved.
It is not my moral responsibilty to make up for shabby customer service to paying customers especially when it costs me money to do. Of course that was completely different to the OP's friends situation.
I don't actually think its OK myself to abscond deliberately. That said its a matter of BE record that I have left a couple of small debts in the UK, mainly due to the complete stupidity of the companies involved and my unwillingness to spend any more time and money dealing with an Indian call/processing center to rectify their own inability to deal with matters. I tried, lord only knows, but there is only so much I am prepared to do for companies who lack the capability to close accounts despite promises that all was resolved.
It is not my moral responsibilty to make up for shabby customer service to paying customers especially when it costs me money to do. Of course that was completely different to the OP's friends situation.
Theft? Fraud? Are we talking about the UK banking sector here? Or the insurers who delay claim processing on accidents for years? I have lost many times more than my personal debt as a result of the 2 sectors above......
Rant over, a problem shared is someone else's problem.....
Jul 17th 2009, 11:29 pm
#60
Joined: Jan 2005
Location: Asia Pacific
Posts: 4,922
Re: Leaving UK Debt Unpaid - A Warning
Tax is a different kettle of fish. I seem to recall that ultimately the UK IR could refer the debt to the Australian ATO. Australia does have an ‘Assistance in the collection of taxes’ provision in its taxation treaty with the UK. As to how often or how easy that is to pursue I really don't know.
