Does Bad credit follow you from the uk????
Jul 25th 2008, 9:31 pm
#61
Account Closed
Joined: Jan 2007
Posts: 2,404
Re: Does Bad credit follow you from the uk????
You can actually go to jail for speeding. It's a crime.
I'd say that makes you worse than me. I didnt put anyones life at risk with my actions, you did. What's next? Driven home over the legal alcohol limit?
Jul 25th 2008, 9:33 pm
#62
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Joined: Jan 2007
Posts: 2,404
Re: Does Bad credit follow you from the uk????
Everyone likes to think that everyone would behave the same way as they do.
As someone in another thread said, 75% of the population think they are in the top 50%
You clearly think what you are considering doing is OK, and are rationalising it however you want. But the reality is that EVERYONE ELSE responding to this thread is telling you its the wrong thing to do, either morally, or more importantly on a practical basis.
They are your shoes, and if you want to piss on them and stink for the rest of your life, that's entirely up to you, nothing we can do.
But, based on what you have posted here, I AM clearly a better person than you.
BYE.
As someone in another thread said, 75% of the population think they are in the top 50%
You clearly think what you are considering doing is OK, and are rationalising it however you want. But the reality is that EVERYONE ELSE responding to this thread is telling you its the wrong thing to do, either morally, or more importantly on a practical basis.
They are your shoes, and if you want to piss on them and stink for the rest of your life, that's entirely up to you, nothing we can do.
But, based on what you have posted here, I AM clearly a better person than you.
BYE.
Point me to the thread where I said what I was doing right...
I know it's wrong, and I've admitted it.
Admittedly most on this thread are up in arms, but I've had PM's off 8 people saying they've done exactly the same (and worse).
Jul 25th 2008, 9:39 pm
#63
Pea Brain
Joined: Jun 2005
Location: TBD
Posts: 6,005
Re: Does Bad credit follow you from the uk????
So, should I come to you first if I want to break any laws? You seem to know which ones it's ok to break and which ones it's not.
You can actually go to jail for speeding. It's a crime.
I'd say that makes you worse than me. I didnt put anyones life at risk with my actions, you did. What's next? Driven home over the legal alcohol limit?
You can actually go to jail for speeding. It's a crime.
I'd say that makes you worse than me. I didnt put anyones life at risk with my actions, you did. What's next? Driven home over the legal alcohol limit?
I may have a beer tonight and compound the crime.
Maybe you shouldn't make assumptions about people?
Jul 25th 2008, 9:44 pm
#65
Lost in BE Cyberspace
Joined: Aug 2005
Location: South of Calgary
Posts: 13,374
Re: Does Bad credit follow you from the uk????
) Contrary to what one of the other posters said above, a CCJ does not have to be served at your current address (ie/ they dont have to track you down). It only has to be served at your last known address.
Once the court receive no reply, they'll ask the creditor what they want to do.
Once the court receive no reply, they'll ask the creditor what they want to do.
Actually a CCJ does not have to be served anywhere. The fact it exists is sufficient. If you are talking about the proceedings themselves then they do, if they know you no longer live there, the last known address is only any good if they don't know you no longer live there. In any event, you still end up with a CCJ. You need to refer to Part 6 here: http://www.justice.gov.uk/civil/proc...ules.htm#part1
The court will not take any action until the Claimant contacts it, in essence, it doesn't care what happens and will not contact the Claimant at all. Eventually, it will close it's file by striking out the action. If someone has taken the time and effort to issue proceedings, they are unlikely to stop there.
Technically, there are powers in place to allow the courts to enforce the CCJ in Canada. However, first they have to prove that you're actually there.
What the lady told me is that 99 times out of 100, it never gets that far. You have to be talking serious debts (£50k +) to make it cost effective because it is a very costly and lengthy process.
What the lady told me is that 99 times out of 100, it never gets that far. You have to be talking serious debts (£50k +) to make it cost effective because it is a very costly and lengthy process.
Actually they are relatively straightforward and, relatively, cost efficient. Don't always count on the "it's not worth it to them" argument. One client I used to act for bankrupted everyone they could, just to send a message and avoid defaulters. Large firms of solicitors offices often have very sophisticated case management programs that reduce the actual cost (to them) to very little. They then charge the client very little as the client, usually, sends them other work that is lucrative
Says who, if they have a judgment limitation (the statue barred bit you've referred to) is irrelevant. In fact, once proceedings are issued, the "limitation period" stops. In addition to that, you need to read s.33 of the Limitation Act 1980. If a fair trial is still possible, limitation is not really a defence. In most situations, it is relatively simple to argue a fair trial is still possible, unless all the witnesses (namely you) are dead. If that obtains, you won't care anyway
You have been provided with, or yourself think, information that is clearly wrong. I was a solicitor in the UK for 10 years and if you wish to suggest that I don't know I'm talking about in the future, please provide authority for what you are saying.
Last edited by Almost Canadian; Jul 25th 2008 at 9:52 pm.
Jul 25th 2008, 9:49 pm
#67
Account Closed
Joined: Jan 2007
Posts: 2,404
Re: Does Bad credit follow you from the uk????
Great, I suspect s/he had worked at the deli counter at Tesco prior to starting there (no disrepect to any deli counter workers)
Oh yes it does, if they know you no longer live there, the last known address is only any good if they don't know you no longer live there. In any event, you still end up with a CCJ. You need to refer to Part 6 here: http://www.justice.gov.uk/civil/proc...ules.htm#part1
The court will not take any action until the Claimant contacts it, in essence, it doesn't care what happens and will not contact the Claimant at all. Eventually, it will close it's file by striking out the action. If someone has taken the time and effort to issue proceedings, they are unlikely to stop there.
Actually they are relatively straightforward and, relatively, cost efficient. Don't always count on the "it's not worth it to them" argument. One client I used to act for bankrupted everyone they could, just to send a message and avoid defaulters. Large firms of solicitors offices often have very sophisticated case management programs that reduce the actual cost (to them) to very little. They then charge the client very little as the client, usually, sends them other work that is lucrative
Says who, if they have a judgment limitation (the statue barred bit you've referred to) is irrelevant. In fact, once proceedings are issued, the "limitation period" stops. In addition to that, you need to read s.33 of the Limitation Act 1980. If a fair trial is still possible, limitation is not really a defence. In most situations, it is relatively simple to argue a fair trial is still possible, unless all the witnesses (namely you) are dead. If that obtains, you won't care anyway
That's a matter for you. I make no judgment on your morals.
You have been provided with, or yourself think, information that is clearly wrong. I was a solicitor in the UK for 10 years and if you wish to suggest that I don't know I'm talking about in the future, please provide authority for what you are saying.
)Oh yes it does, if they know you no longer live there, the last known address is only any good if they don't know you no longer live there. In any event, you still end up with a CCJ. You need to refer to Part 6 here: http://www.justice.gov.uk/civil/proc...ules.htm#part1
The court will not take any action until the Claimant contacts it, in essence, it doesn't care what happens and will not contact the Claimant at all. Eventually, it will close it's file by striking out the action. If someone has taken the time and effort to issue proceedings, they are unlikely to stop there.
Actually they are relatively straightforward and, relatively, cost efficient. Don't always count on the "it's not worth it to them" argument. One client I used to act for bankrupted everyone they could, just to send a message and avoid defaulters. Large firms of solicitors offices often have very sophisticated case management programs that reduce the actual cost (to them) to very little. They then charge the client very little as the client, usually, sends them other work that is lucrative
Says who, if they have a judgment limitation (the statue barred bit you've referred to) is irrelevant. In fact, once proceedings are issued, the "limitation period" stops. In addition to that, you need to read s.33 of the Limitation Act 1980. If a fair trial is still possible, limitation is not really a defence. In most situations, it is relatively simple to argue a fair trial is still possible, unless all the witnesses (namely you) are dead. If that obtains, you won't care anyway
That's a matter for you. I make no judgment on your morals.
You have been provided with, or yourself think, information that is clearly wrong. I was a solicitor in the UK for 10 years and if you wish to suggest that I don't know I'm talking about in the future, please provide authority for what you are saying.
However, if whoever it is decides to pursue me in Canada, fair play to them.
Jul 25th 2008, 9:51 pm
#68
Tea Drinker
Joined: Nov 2006
Location: Kamloops, BC
Posts: 5,387
Re: Does Bad credit follow you from the uk????
http://www.insolvencyhelpline.co.uk/...tation_act.php
6yrs is a long time to be looking over your shoulder though, especially for the sake of two grand.
Why don't you just burn the car and claim on the insurance?
Jul 25th 2008, 9:54 pm
#70
Lost in BE Cyberspace
Joined: Aug 2005
Location: South of Calgary
Posts: 13,374
Re: Does Bad credit follow you from the uk????
Fantastic answer - well done. I take it that is as good an admission I am going to get that you have no answer.
Jul 25th 2008, 10:01 pm
#71
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Joined: Jan 2007
Posts: 2,404
Re: Does Bad credit follow you from the uk????
Get off your high horse.
Last edited by jericho; Jul 25th 2008 at 10:06 pm.
Jul 25th 2008, 10:19 pm
#72
Lost in BE Cyberspace
Joined: Aug 2005
Location: South of Calgary
Posts: 13,374
Re: Does Bad credit follow you from the uk????
If you read my first post, I made it pretty clear that I was told by someone else. Not once did I offer anything as expert opinion or that I was qualified to give financial advice. However, what I was told was that creditors might make it their policy to chase everyone down, regardless of the cost, but that it was unlikely if it didnt make business sense.
Get off your high horse.
Get off your high horse.
As I have said previously, it makes no difference to me what you do but attitudes like your's are one of the reasons I left the UK. Yes there are people like you over here but one doesn't tend to run into them with quite the same regularity that one did in the UK, whcih has to be good
Jul 25th 2008, 10:23 pm
#73
Binned by Muderators
Joined: Jul 2007
Location: White Rock BC
Posts: 11,682
Re: Does Bad credit follow you from the uk????
When we leave for Canada, the only debt i'll be leaving behind is on my car finance. I'll be posting the keys and V5 back to the vehicle company, and telling them to collect. They'll sell the vehicle at auction, and technically, I'm liable for the difference (i estimate it at approx £2k).
Jul 25th 2008, 10:26 pm
#74
Lost in BE Cyberspace
Joined: Jul 2006
Location: Cochrane, Alberta
Posts: 7,861
Re: Does Bad credit follow you from the uk????
(and mandymoochops - you work in a bank - would you be so charitable if it were one of your customers doing a runner
)
Jul 25th 2008, 11:45 pm
#75
RETIRED Realtor
Joined: Aug 2006
Location: Winnipeg, Manitoba
Posts: 2,087
Re: Does Bad credit follow you from the uk????
It's not fraud if the person has never been Bankrupt/Made an Arrangement.
The Opening Poster didn't say he had been Bankrupt, but I was answering the question as to when bad credit can follow you, and the consequences if you tell a little fib about it.
I was not implying that the OP was a Bankrupt, nor making any judgements, merely serving up the facts.