Leaving UK Debt Unpaid - A Warning
Jul 17th 2009, 12:29 pm
#16
And YOU'RE paying for it!
Joined: May 2007
Location: kipper tie?
Posts: 2,328
Re: Leaving UK Debt Unpaid - A Warning
Section 141 of the 1974 UK Consumer Credit Act states;
141 Jurisdiction and parties
In England and Wales, the county court shall have jurisdiction to hear and determine—
(a) any action by the creditor or owner to enforce a regulated agreement or any security relating to it;
(b) any action to enforce any linked transaction against the debtor or hirer or his relative;
and such an action shall not be brought in any other court.
141 Jurisdiction and parties
In England and Wales, the county court shall have jurisdiction to hear and determine—
(a) any action by the creditor or owner to enforce a regulated agreement or any security relating to it;
(b) any action to enforce any linked transaction against the debtor or hirer or his relative;
and such an action shall not be brought in any other court.
And are you sure that County Court claims can't be served on people outside England & Wales (although posting alone might not count)? This suggests otherwise (as far as I can divine - not that far necessarily): http://www.hmcourts-service.gov.uk/j...almer_0106.htm but things might have changed since then.
Jul 17th 2009, 12:38 pm
#17
Living the dream!
Joined: Nov 2008
Location: Mandurah, WA
Posts: 782
Re: Leaving UK Debt Unpaid - A Warning
Hold on - (a) is separate from (b), isn't it? Doesn't that just say that (b) claims can only be made in County Courts but County Court has original jurisdiction for (a) claims? And can't cases be passed between courts?
And are you sure that County Court claims can't be served on people outside England & Wales (although posting alone might not count)? This suggests otherwise (as far as I can divine - not that far necessarily): http://www.hmcourts-service.gov.uk/j...almer_0106.htm but things might have changed since then.
And are you sure that County Court claims can't be served on people outside England & Wales (although posting alone might not count)? This suggests otherwise (as far as I can divine - not that far necessarily): http://www.hmcourts-service.gov.uk/j...almer_0106.htm but things might have changed since then.
Jul 17th 2009, 12:44 pm
#18
Forum Regular
Joined: Apr 2007
Location: Leafy Langwarrin, Melbourne, Australia.
Posts: 251
Re: Leaving UK Debt Unpaid - A Warning
Just another thing to consider, all companies who lend money depend on credit reference companies, most of which have UK and Aus branches, I can not say this for sure but it may have an impact on your credit rating, this may take years to happen, if at all, but in the age of globalisation who knows.
I only say this because of what our Non Uk friends have to go through to get credit here, where as for us with a very good UK rating have credit offered without problem.
No doubt I will be corrected as this is just me putting 2 and 2 together and getting 5?
I only say this because of what our Non Uk friends have to go through to get credit here, where as for us with a very good UK rating have credit offered without problem.
No doubt I will be corrected as this is just me putting 2 and 2 together and getting 5?
Jul 17th 2009, 12:47 pm
#20
Living the dream!
Joined: Nov 2008
Location: Mandurah, WA
Posts: 782
Re: Leaving UK Debt Unpaid - A Warning
They can find you, and they can contact you! But you are right about the harassment - they can only contact you so many times in a given period, otherwise they are breaking the law!
Jul 17th 2009, 12:49 pm
#21
Account Closed
Joined: May 2009
Posts: 2,708
Re: Leaving UK Debt Unpaid - A Warning
Hold on - (a) is separate from (b), isn't it? Doesn't that just say that (b) claims can only be made in County Courts but County Court has original jurisdiction for (a) claims? And can't cases be passed between courts?
And are you sure that County Court claims can't be served on people outside England & Wales (although posting alone might not count)? This suggests otherwise (as far as I can divine - not that far necessarily): http://www.hmcourts-service.gov.uk/j...almer_0106.htm but things might have changed since then.
And are you sure that County Court claims can't be served on people outside England & Wales (although posting alone might not count)? This suggests otherwise (as far as I can divine - not that far necessarily): http://www.hmcourts-service.gov.uk/j...almer_0106.htm but things might have changed since then.
Jul 17th 2009, 12:55 pm
#22
Living the dream!
Joined: Nov 2008
Location: Mandurah, WA
Posts: 782
Re: Leaving UK Debt Unpaid - A Warning
Just another thing to consider, all companies who lend money depend on credit reference companies, most of which have UK and Aus branches, I can not say this for sure but it may have an impact on your credit rating, this may take years to happen, if at all, but in the age of globalisation who knows.
I only say this because of what our Non Uk friends have to go through to get credit here, where as for us with a very good UK rating have credit offered without problem.
No doubt I will be corrected as this is just me putting 2 and 2 together and getting 5?
I only say this because of what our Non Uk friends have to go through to get credit here, where as for us with a very good UK rating have credit offered without problem.
No doubt I will be corrected as this is just me putting 2 and 2 together and getting 5?
Jul 17th 2009, 1:51 pm
#23
BE Enthusiast
Joined: Apr 2007
Location: In A Much Happier Place Now !!
Posts: 652
Re: Leaving UK Debt Unpaid - A Warning
Credit ratings are non transferable!! If you have a job, it is easy enough to obtain credit on arrival. I have a shit credit rating (in the uk), but were offered all sorts over here!! Something to do with Data Protection stops the credit rating from transfering (i think), but it def doesn't transfer, or have any baring on your Oz credit!
Over here they live the life of pissin' riley (think thats the spelling!!), makes me sick to the back teeth. The honest folk who do everything by the book always get the rough end
Me and the hubby have a few debts in the UK but they are our first priorty, I do worry all the time, things are so hard over here, and to have all that back in the UK aswell, OMG, I don't know how I do it sometimes, I think it's determination
I wouldn't dream running, I would constantly lie in fear and wouldn't be able to sleep with the guilt and worry !
Jul 17th 2009, 1:56 pm
#24
BE Forum Addict
Joined: Jan 2007
Posts: 3,991
Re: Leaving UK Debt Unpaid - A Warning
so are you telling me that someone living in Oz can just stop paying UK credit card bills and get away with it!!!!!!
how the heck.........
Jul 17th 2009, 1:59 pm
#25
Account Closed
Joined: May 2009
Posts: 2,708
Re: Leaving UK Debt Unpaid - A Warning
Me and the hubby have a few debts in the UK but they are our first priorty, I do worry all the time, things are so hard over here, and to have all that back in the UK aswell, OMG, I don't know how I do it sometimes, I think it's determination
I wouldn't dream running, I would constantly lie in fear and wouldn't be able to sleep with the guilt and worry !
I wouldn't dream running, I would constantly lie in fear and wouldn't be able to sleep with the guilt and worry !
Makes you wonder doesn't it?
Jul 17th 2009, 1:59 pm
#26
Living the dream!
Joined: Nov 2008
Location: Mandurah, WA
Posts: 782
Re: Leaving UK Debt Unpaid - A Warning
Yup!! But if you get a whole lot of money with the intention of never paying it back, then you COULD be done for fraud. But say you have got it over the years, then bugger off, nothing they can or will do!
