Piff Poff

I believe the OP just wanted advice on the most convenient way to carry on UK debt repayments once she has arrived in Alberta. It seems to me, everyobe has jyst assumed she wants to skip out without making repayments, no wonder she hasnt been back

scrubbedexpat091

How bill collectors find people I have no idea, nor do I know where the info comes from, but a collection agency is after me for some charge a cell company claims I owe, I refuse to pay as I don't believe I do owe it, and the collection agency has thus far not sent any proof I do owe it.

They did manage to find me though, well phone a number my GF's number at that, how they found it, I have no idea since I don't use her number, I am not listed on her account, I checked my credit report and her number isn't on there either.

Other then an automated call daily about escalating the matter, they haven't done anything yet.

I did win the dispute on the credit reporting agencies though and it was removed off my credit report as the agency provided no proof the debt is actually owed.

Trying to get in touch with a human who is a royal ass has been impossible, so I ignore them now.

Aviator

Send the agency a letter telling them to contact you in writing, they cannot phone you again. If you dispute the debt, tell them so and to take you to court, unless the debt is large, likely you won't hear from them again. Of course if they report to the credit bureaus it may appear on your report.
Forms

wolstie

You have to be resident in the UK to have a CCJ set against you. If you're not resident, you can have it set aside.

So, yes, Canadian courts can get involved, but you would have to have had the CCJ before leaving for Canada.

If I understand correctly, most credit agreements (cards, store cards, personal loans), fall under the Consumer Credit Act. Given that this is English legislation, a creditor could not take you to a Canadian court if you're in breach of it (unless a CCJ had been obtained against you whilst resident in the UK).

Juggernaut1064

its also law in the UK theres a time limit for them to find you, think its two years, after that the debt is dead, Yes thats true i have a County Court Bailiff as a friend in england.

Juggernaut1064

How they find you ? Just type your name into google search lol

rivingtonpike

Never heard that one before. Interesting.

Aviator

It is the limitation act 1980. For most debts it is 6 years before they become statute barred.

https://www.nationaldebtline.org/EW/...s/Default.aspx

AlliF

In Scotland it is called statute barred debt and is 5 years - as long as you meet certain conditions ( no decree against you/ no payments made or written acknowledgement of the debt).
But that doesn't include debt owed to government agencies - I think they have either 15 or 20 years to chase you to the ends of the earth.

Juggernaut1064

it could be 6 years, i was visiting the UK and more than a little drunk when that comment was made lol It was about someones debt in the UK so wasnt paying 100% drunken attention lol

Almost Canadian

It is possible to obtain an CCJ while not being a resident of England or Wales. The only real difficulty for the creditor is serving the debtor with the documents. Once that is achieved, the creditor can proceed against the debtor quite easily.

rivingtonpike

Out of interest, could the Creditor post "the documents" to the Debtor by some form of registered post?

Almost Canadian

When I left England, that was a valid method of service. I believe that that is no longer the case.

Part 6 of the Civil Procedure Rules provide how service is to be effected. Read it at your leisure here: CPR

rivingtonpike

Blimey - just scanned it and none the wiser! Is Canada out of Jurisdiction or not? I couldn't see it on the list. So does that serving papers for an individual to appear in Court to face a debt hearing (or whatever the correct term is) have to be served in person?

neilg14

Sorry for going off topic but just remembered this, about 6 yrs ago, a mate from the UK called me and told me to Google my name, so I did and got, my name and
"This bastard is running round Thailand with Ladyboys and new false teeth while letting his ex-wife & child starve. If you know where he is, let me know or kill him."