Originally Posted by katreena71

i've been in the states for all of my adult life and am excited to say that i'm finally moving back to england. i'm not worried about leaving my "worldly" belongings and such, but what i am concerned about is establishing myself in england without a credit history overseas. i own a home in the states and therefore, have a u.s. credit history. how will a mortgage company in england extend a mortgage to me if i've never had any credit in england? how does credit work in england, and am i "oversensitive" about this due to the ridiculous amount of pressure that america put's on its citizen's about "credit worthiness?"

Originally Posted by Don

You're oversensitive.

Originally Posted by callë

hi Katreena, and welcome to the forum. so how long have you been here and what made you decide to go back now? sorry if a bit nosey, just curious. do you have kids? thats what kept me here so long. family. but I'm dragging the whole lot with me when are you leaving? I wont be until next fall so the kids can start school at the beginning of the semester and also to have time to sort out the house selling and pet passport stuff. good luck to you.

Originally Posted by Englishmum

Here is an expat site which may have some useful links for you:

http://www.expatinvestor.com

(Go to the drop down panel, especially for the links for 'advertisers'. There are many for UK banks and building societies with offshore branches in the Isle of Man, Jersey & Guernsey. It might be worthwhile sending them an e-mail enquiry (or better, phone them and speak with someone senior). I don't know your timescale but you might for example, open an offshore account with a UK bank's offshore branch and pay in an amount say, each week or month. Then apply for a credit card with them (although we bank with Lloyds TSB offshore and their Cashpoint aka ATM card is combined with a Visa card. When you move to the mainland of the UK you just then transfer your account to your local branch. All banks now have to see a copy of your passport (it's to abide by international laws to prevent money laundering, especially since Sept 11th to keep track of terrorists' funds).

Originally Posted by katreena71

hi there to you! i've been here since '85 when my parents decided for the 4th time to leave home and go to the states. i've thought about moving over the years, but didn't have the resources to make the leap of faith. now that my husband and i can sell our house and make a nice profit, we finally have the freedom to do something different. so, we're in the preliminary stages of planning and are very excited about the possibilities. we're hoping to move next april or may! we don't have kids, but have 2 dogs and 1 cat and can finally include them in the move b/c of the "pets" program - no quarantine!!
how long have you been in jacksonville? what part of england are you moving to? thanks for emailing ... hope to hear from you soon

Originally Posted by katreena71

i figured as much