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ukman

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  1. Thanks so much for all the help so far. But the question remains, should Mr X tell the bank he is moving AND give the new address or would that work against him? Please see #13 Uncontested CCJ- tricky situation above for the exact details- this really is quite vital.
  2. If a debtor owes a UK bank money and moves abroad (to a NON European country) I understand that a CCJ can actually be issued although the debtor has moved abroad. Some people on this forum believe CCJ's cannot be issued if the debtor has disappeared but that is not true. A CCJ will be issued but the ENFORCEMENT of it is difficult or even impossible. In order for the CCJ to unenforcable it needs to be clear that the debtor has moved abroad in the first place. So is it advisable for the debtor to tell the bank the new address at all? This would only be done to later be able to prove that a forwarding address has been given to the bank as banks soemtimes take action against debtors simply by ignoring that they have moved abroad and have the CCJ issued at the 'last known address' in the UK. The CCJ would in both cases, however, be uncontested, wouldn't it? Does uncontested mean 'the defendant has moved without forwarding address' thus a CCJ can be set aside as the defendant never had a chance to reply OR does uncontested mean 'the defendant was made aware' as maybe the new address was supplied (by the defendant) BUT he/ she never bothered replying. There is obviously a major difference between the two. SO...the question is, is it wise to let the bank know the new address abroad (not neccesarily a real one) so that it is quite obvious from the start that any CCJ action is pointless as a CCJ would not be enforcable or simply move w/o giving a new address? Thanks
  3. If a debtor owes a UK bank money and moves abroad (to a NON European country) I understand that a CCJ can actually be issued although the debtor has moved abroad. Some people on this forum believe CCJ's cannot be issued if the debtor has disappeared but that is not true. A CCJ will be issued but the ENFORCEMENT of it is difficult or even impossible. In order for the CCJ to unenforcable it needs to be clear that the debtor has moved abroad in the first place. So is it advisable for the debtor to tell the bank the new address at all? This would only be done to later be able to prove that a forwarding address has been given to the bank as banks soemtimes take action against debtors simply by ignoring that they have moved abroad and have the CCJ issued at the 'last known address' in the UK. The CCJ would in both cases, however, be uncontested, wouldn't it? Does uncontested mean 'the defendant has moved without forwarding address' thus a CCJ can be set aside as the defendant never had a chance to reply OR does uncontested mean 'the defendant was made aware' as maybe the new address was supplied (by the defendant) BUT he/ she never bothered replying. There is obviously a major difference between the two. SO...the question is, is it wise to let the bank know the new address abroad (not neccesarily a real one) so that it is quite obvious from the start that any CCJ action is pointless as a CCJ would not be enforcable or simply move w/o giving a new address? Thanks
  4. Mr X owes Lloyds TSB money and disappears. Mr X has a savings account with Deutsche Bank in another European country. Are Lloyds TSB and Deutsche Bank affiliated? I hear they might merge...? Would that mean Lloyds can simply take the money out of the savings account as they would then be affiliated/ merged/ one company? They would probably still have to go through a legal procedure, right? If Mr X lives outside of Europe though, any CCJ would be unenforcable, is that correct?
  5. I appreciate your humour guys, but any serious answers please? PS: I know Azerbaidjan is not in Europe- that's what I wrote in my original email. That's the whole point- the debtor moves to a NON European country, so can UK banks get their hands on savings in a savings account in another European country like France or Germany, that's the question. Please read my original post above again. I wouls appreciate a serious answer please.
  6. Hi I have read all sorts of entries and threats on this issue and am pretty well informed but there is one question which has not been answered: The situation: Mr X owes UK bank 10k, so far payments have been made on time but now Mr X informs Bank that he is moving to a Non European country, thus the debtor can prove the bank has been informed so that they couldn't try and pretend they do not know that and still go ahead trying to a CCJ served at the last known address- which even if they did would be an uncontested one. Mr X stops payments. UK bank can NOT get a CCJ issued as debtor not a UK resident anymore, thus they couldn't even get an EEO (if the debtor lived in Europe). Debtor now lives in Azerbaidjan. In a nutshell, assuming everything I have just said is indeed correct, a pursuit would be very difficult if not impossible. Now my question: Although Mr X now lives abroad there is a savings account in his name in a European country. It's with another bank, of course. Can they find out about it and somehow try and get their hands on that money? They would have to go through the courts, surely? But how, if the debtor lives abroad? Would that money be safe? Please help. Thanks
  7. If I have a bad credit record in the UK and move to the US will banks and credit institues there be see it if they run a simple check wit Equifax or Experian or are they only able to see the US report (which would in my case be pretty empty)? Do they automatically see the UK report? All I know is both organisations operate in the US... ANy ideas?
  8. may have two CCJ's put on my file in the future as I am leaving the UK AND |Europe to live abroad and both my landlord and my bank will ask me for money. Landlord has already filed a claim but how do I let the court know I live abroad now? Simply send them a letter (as then- I'm told' the case can't go ahead until I return to the UK)? So there would never be a CCJ as I could not attend the hearing anyway. Would the court throw the case out as it is unenforcable? What about banks that will soon start looking for me. I have not left them a forwarding address. Shall I send them a letter with my new NON european address, so that they undersatnd they cannot easily get a CCJ on me? Or will they then declare me bankrupt. But that costs them money and then they will never be able to claim any money from me (at least after a year) so they are not likely to do that...?! How would my creditors and the DCA's proceed? Would they try and find me abroad IF I do not let them know where I am? Would they look for accounts I may have in Europe (which I do)- could they seize my money in a European account (not in the UK but in Western Europe) BEFORE aCCJ is even issued (I guess not). If they can get a CCJ issued against me could they then seize accounts in Europe? PS: If the court is aware I am abroad outside Europe would they throw the case out? Thanks!!!
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