need legal advice
#1
Forum Regular
Thread Starter
Joined: Nov 2004
Posts: 31
need legal advice
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
#2
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
#3
Joined: Aug 2002
Posts: 4,082
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
Why shouldn't she?
#4
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Joined: Oct 2004
Location: The Big Apple
Posts: 1,834
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
If you really need legal advice - go get a lawyer. Is a genuine oversight or a deliberate attempt to avoid paying the debt?
#5
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
#6
Forum Regular
Joined: Oct 2006
Posts: 47
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
I know there is a loop hole in the law also but honestly dont know enough to give you solid advice...
is it worth it though? always thinking that you are going to have people running after you for this money? the stress would drive me nutty.
Also when/if she goes back she will be screwed.
definetly see a lawyer though like everyone else has said
#7
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Thread Starter
Joined: Nov 2004
Posts: 31
Re: need legal advice
she has no intention of returning to the U.K so im unsure if a debt collection agency in the Uk could pass or sell the debt to a U.S agency
Originally Posted by sugarcoated
It depends to be honest, i used to work for a debt collection management agency in the UK and some people who moved abroad we gave up on as there was no way we could collect the debt... a lot of people used to run up shit loads of debts, get out lots of loans and run off to spain and live happily ever after.
I know there is a loop hole in the law also but honestly dont know enough to give you solid advice...
is it worth it though? always thinking that you are going to have people running after you for this money? the stress would drive me nutty.
Also when/if she goes back she will be screwed.
definetly see a lawyer though like everyone else has said
I know there is a loop hole in the law also but honestly dont know enough to give you solid advice...
is it worth it though? always thinking that you are going to have people running after you for this money? the stress would drive me nutty.
Also when/if she goes back she will be screwed.
definetly see a lawyer though like everyone else has said
#8
Re: need legal advice
There are internation debt recovery companies in the US who will collcect on behalf of UK insititutions.
I had a credit card from the bank I worked at in the UK, that I thought I had paid off, but had not, when I moved here. A collection agency sent me a letter explaining this and soI paid it off straightaway, rather than fight it, as it was legitimate debt.
They can come after you as long as they have correct contact information for you.
I had a credit card from the bank I worked at in the UK, that I thought I had paid off, but had not, when I moved here. A collection agency sent me a letter explaining this and soI paid it off straightaway, rather than fight it, as it was legitimate debt.
They can come after you as long as they have correct contact information for you.
#9
Homebody
Joined: Jan 2005
Location: HOME
Posts: 23,174
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
Hopefully!!!
#10
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Joined: Oct 2004
Location: The Big Apple
Posts: 1,834
Re: need legal advice
Originally Posted by stepowell
she has no intention of returning to the U.K so im unsure if a debt collection agency in the Uk could pass or sell the debt to a U.S agency
So she is deliberately not paying this in the hopes that she can steal the money and live happily ever after?
#11
Re: need legal advice
Originally Posted by stepowell
she has no intention of returning to the U.K
Britt Eklund and Peter Sellers daughter was just deported back.........rare I know.....but shit happens
#12
Forum Regular
Joined: Oct 2006
Posts: 47
Re: need legal advice
the fact that they have the address already means that they can have it followed up...
if they didnt have her address it would be a completely different story.
Basically companies sell debts to debt collection agencys.. so if its been sold to an American debt collection agency then they will do their absolute best to get that money because you now owe THEM and not the original loan company..
so, if the american company has the debt then yes... she will have to pay it.
I know there is a law in the UK where even if someone turns round and says that they can only afford to pay ten pounds a month then thats all they have to pay.. they do take into consideration wages etc.
i dont know if that stands in the USA though...
If it was a huge amount she is obviously more likely to be hounded for it rather than a small amount, but i also assume that if it has chased her internationally then it is a pretty large amount...
try and talk to someone and see if you can pay a tiny amount monthly.. i cant see it vanishing anytime soon..
sorry for such a long post.
if they didnt have her address it would be a completely different story.
Basically companies sell debts to debt collection agencys.. so if its been sold to an American debt collection agency then they will do their absolute best to get that money because you now owe THEM and not the original loan company..
so, if the american company has the debt then yes... she will have to pay it.
I know there is a law in the UK where even if someone turns round and says that they can only afford to pay ten pounds a month then thats all they have to pay.. they do take into consideration wages etc.
i dont know if that stands in the USA though...
If it was a huge amount she is obviously more likely to be hounded for it rather than a small amount, but i also assume that if it has chased her internationally then it is a pretty large amount...
try and talk to someone and see if you can pay a tiny amount monthly.. i cant see it vanishing anytime soon..
sorry for such a long post.
#13
Re: need legal advice
Originally Posted by stepowell
she has no intention of returning to the U.K so im unsure if a debt collection agency in the Uk could pass or sell the debt to a U.S agency
Why shouldnt she pay the debt that she has run up? Doesnt she find the idea of dishonestly avoiding this at the very least uncomfortable? Rhetorical questions really as I gather that avoiding paying the debt is the consideration.
#14
Lost in BE Cyberspace
Joined: Feb 2004
Posts: 14,577
Re: need legal advice
Originally Posted by stepowell
guys
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
My wife left the Uk moving back the the U.S. She left her unpaid loan in the U.K and she is now getting letters to her in the U.S saying they are going to pass to a collection agency. My question is , if she has left the country will they be able to collect the debt ?
#15
Account Closed
Joined: Jun 2006
Posts: 6,196
Re: need legal advice
Originally Posted by stepowell
she has no intention of returning to the U.K so im unsure if a debt collection agency in the Uk could pass or sell the debt to a U.S agency
Are there "statutes of limitations" on stuff like this in the UK, like you find in the US? She could go on the lamb until the heat is off.