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Unenforceable debt? Living abroad.

Unenforceable debt? Living abroad.

Old Feb 10th 2009, 10:53 pm
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Default Unenforceable debt? Living abroad.

Hi...we have been in the USA for a few years now and we tried hard to manage a few debts from the UK until recently when the economy hit the wall and we started to loose custom and with that, income.
We have no CCJs back in the UK and have a great credit history here, after much hard work and time!

Now, a store card company has decided to pass a 430 pound issue to a company called Bluestone Law International for collection here in the USA.

Our information so far is that this issue is unenforceable here in the USA and that a judgement has to first be secured in a UK court, which is doubtful and then it may be possible to 'domesticate it' to the USA. Without that CCJ in the UK, no judge here will tuch the matter. So can we ignore these people when they try to contact us?
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Old Feb 10th 2009, 10:57 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by FLOJO4 View Post
Hi...we have been in the USA for a few years now and we tried hard to manage a few debts from the UK until recently when the economy hit the wall and we started to loose custom and with that, income.
We have no CCJs back in the UK and have a great credit history here, after much hard work and time!

Now, a store card company has decided to pass a 430 pound issue to a company called Bluestone Law International for collection here in the USA.

Our information so far is that this issue is unenforceable here in the USA and that a judgement has to first be secured in a UK court, which is doubtful and then it may be possible to 'domesticate it' to the USA. Without that CCJ in the UK, no judge here will tuch the matter. So can we ignore these people when they try to contact us?
People have posted on here previously that their UK debts have been sold to a US debt collecting agency and they have sought to retrieve the money.
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Old Feb 10th 2009, 11:20 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by Jerseygirl View Post
People have posted on here previously that their UK debts have been sold to a US debt collecting agency and they have sought to retrieve the money.
So in other words he is screwed
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Old Feb 11th 2009, 12:01 am
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by Poppy girl View Post
So in other words he is screwed
contact the debt collection agency to sort out a payment plan....because the debt has been sold and the collections agency will ding the snot out of your new credit history.
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Old Feb 11th 2009, 1:45 am
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Default Re: Unenforceable debt? Living abroad.

You need a specialist board to guide you on this. My favorite is http://www.creditboards.com/forums/. Like BE (and all the best boards!), they expect you to do some research first before posting an inane question. Have a good read before you post your well-considered question there.
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Old Feb 11th 2009, 6:08 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by FLOJO4 View Post
Hi...we have been in the USA for a few years now and we tried hard to manage a few debts from the UK until recently when the economy hit the wall and we started to loose custom and with that, income.
We have no CCJs back in the UK and have a great credit history here, after much hard work and time!

Now, a store card company has decided to pass a 430 pound issue to a company called Bluestone Law International for collection here in the USA.

Our information so far is that this issue is unenforceable here in the USA and that a judgement has to first be secured in a UK court, which is doubtful and then it may be possible to 'domesticate it' to the USA. Without that CCJ in the UK, no judge here will tuch the matter. So can we ignore these people when they try to contact us?
Now you are in fine financial health, why wouldn't you want to just pay off your old debts?
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Old Feb 12th 2009, 1:33 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by dunroving View Post
Now you are in fine financial health, why wouldn't you want to just pay off your old debts?
Naturally, in an ideal world, we would just pay this off and not even be in this spot but for starters, there's this thing called a world recession going on and people are not spending money and that means that small businesses like ours are not making so much money and that means it's much harder to make ends meet. We offered to pay a reduced settlement back in June '08 and they declined - now we have no spare money ( like lots of small businesses in the US) - we asked GE to wait until business picks up and their response is to pass it on.....so, you see - we are not in fine financial healtha and we are just trying to protect our situation here in the US.
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Old Feb 12th 2009, 2:40 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by FLOJO4 View Post
Hi...we have been in the USA for a few years now and we tried hard to manage a few debts from the UK until recently when the economy hit the wall and we started to loose custom and with that, income.
We have no CCJs back in the UK and have a great credit history here, after much hard work and time!

Now, a store card company has decided to pass a 430 pound issue to a company called Bluestone Law International for collection here in the USA.

Our information so far is that this issue is unenforceable here in the USA and that a judgement has to first be secured in a UK court, which is doubtful and then it may be possible to 'domesticate it' to the USA. Without that CCJ in the UK, no judge here will tuch the matter. So can we ignore these people when they try to contact us?
It is a crime under the data protection laws for any UK company to pass personal credit details of a UK citizen to a US company without the persons prior written permission.
Contact the debt collector and inform them they are breaking the law and to f**k off

DON'T ! Under any circumstances give them your SS number !
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Old Feb 12th 2009, 6:12 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by FLOJO4 View Post
Naturally, in an ideal world, we would just pay this off and not even be in this spot but for starters, there's this thing called a world recession going on and people are not spending money and that means that small businesses like ours are not making so much money and that means it's much harder to make ends meet. We offered to pay a reduced settlement back in June '08 and they declined - now we have no spare money ( like lots of small businesses in the US) - we asked GE to wait until business picks up and their response is to pass it on.....so, you see - we are not in fine financial healtha and we are just trying to protect our situation here in the US.

Things have changed since June '08 (you know, this thing called a world recession ... ?) so maybe if you call again and offer, you might get a different response. I'm sure if it was them that owed you money, you'd be a bit more persistent. Just about every personal finance book I've read seems to think most banks and finance companies would rather have something than nothing.
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Old Feb 12th 2009, 6:19 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by Patrick Hasler View Post
It is a crime under the data protection laws for any UK company to pass personal credit details of a UK citizen to a US company without the persons prior written permission.
Contact the debt collector and inform them they are breaking the law and to f**k off

DON'T ! Under any circumstances give them your SS number !
Or do the unthinkable ..Pay your bleedin debt...
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Old Feb 13th 2009, 12:06 am
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by Ray View Post
Or do the unthinkable ..Pay your bleedin debt...

I have to agree it's £430 FFS.
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Old Feb 13th 2009, 2:12 am
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Default Re: Unenforceable debt? Living abroad.

**** 'em - spent it on sprouts and loose women.
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Old Feb 13th 2009, 2:44 am
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Default Re: Unenforceable debt? Living abroad.

How would this work if the debt was over 7 years old before it was sold on? Would it become a new debt and be on your credit report for 7 years or would it never appear on it as it's not technically a new debt?
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Old Feb 13th 2009, 5:27 pm
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Default Re: Unenforceable debt? Living abroad.

Originally Posted by SpoogleDrummer View Post
How would this work if the debt was over 7 years old before it was sold on? Would it become a new debt and be on your credit report for 7 years or would it never appear on it as it's not technically a new debt?

If it's over 7 years old under British law it is forgiven provided you have not been a resident of the UK in that time, so selling a debt that under British law does not exist anymore doesn't matter. ... F**K EM

If it's a f**kin store card or credit card that has made several times what you ever owed them in the first place then f**k em even more

I would just like to point out to the mods on here that the word 'F E C K' is not a swearword, it is used on TV etc quite often

Last edited by Patrick Hasler; Feb 13th 2009 at 5:29 pm.
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Old Feb 13th 2009, 11:12 pm
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Default Re: Unenforceable debt? Living abroad.

The time limit for legal action is 6 years after last payment or acknowledgment of the debt - good summary here
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