Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi debtmouse, some more knowledgeable people than me will be along shortly to help you out with this.
I too have a few questions with a similar theme. What action can be taken against me if I am living outside of the UK.
E.g., can a DCA get a CCJ against me if my address is in a foreign country? Or do they need a UK address to do that? Can they just use the last UK address I had before I moved abroad, despite knowing my current overseas address?
Wherever U go abroad it is highly likely that U will need to open a bank account in that country.
NO doubt, when U do, the NEW bank will require references etc + will probs have a means of checking your Credit Report in this country.
If U DO simply do a bunk, your CR will be marked as such.
Personally, I would have thought that it would be the very worst type of Default that a person could get?
It is also possible that any debts that are outstanding could be sold onto DCA's (...or their equivilent) in whatever country U are in.
...It may take some time though
If U start ANY action against your Creditors in THIS country, U must be prepared to return, to pursue it through the Courts here, if it becomes necessary to do so.
If U are willing to do this + have a secure address with either members of your family or a friend who could forward mail onto U, that MAY be an avenue to look at, if U wish to Claim against any of your Creditors.
Personally, I'd cease payments to those Creditors that have failed to supply a true copy of any CCA that they SHOULD have between yourselves.
...But it is down to U at the end of the day though...
Thanks for your reply, I do not intend to do a bunk and have already have an account in the country I intend to live. I believe although they can sell to a DCA abroad they have no legal rights to persue the debt?
I would like to offer f&f settlements but first wish to ask for my cca, so do I have to give a UK address as we will be unable to give a firm address initially abroad. Nobody is willing for me to use their address here.
Whilst not condoning debt avoidance. I would find it highly unlikely that they would pursue you abroad unless its for a substantial amount of money. The costs involved would probably be too much for them to risk it.
I can fully understand why your relative would not want you to use their addresses here. They would then be the targets of the DCA begging letters
You could consider setting up a dmp with CCCS or Payplan before you leave, using your current address.
Keep open a basic account here in the UK, preferably one with internet access so you can transfer money to that account from overseas, and pay your dmp. They will ask for your address overseas as soon as you are settled.
Fill out a P85 with HMRC before you go to establish your tax and residency status.
Once you have established yourself overseas, approach your creditors with reasonable F&F settlement offers and they are highly likely to accept (after a little haggling).
Then sit back and wait for the DCA threatening letters to start rolling in.........
You don't have to give them your address abroad.
I lived in the USA for some years and had a dmp the whole time which I controlled by email. The dmp Co sent me a statement every month but the DCA's had no contact with me at all.
I would maintain a basic account here which can accept your transfers and make the payment for you.
My experience is that when you go abroad the banks and credit companies there couldn't care less about CRA's here. You will be expected to start your credit rating from scratch and establish your reputation from day one. It takes a little while but you will get there.
My experience is that when you go abroad the banks and credit companies there couldn't care less about CRA's here. You will be expected to start your credit rating from scratch and establish your reputation from day one.
That's very true.
There seems to be a common misconception that your Experian/Equifax/Callcredit file somehow follows you, or they refer to it before giving you banking facilities or credit of any kind, but it doesn't seem to happen like that. Depending on where you go and who you deal with, there is often a clause in the small print giving the creditor an automatic bite of xx% of your income if you should fall more than x month(s) of payments in arrears. If things go wrong they get an attachment of earnings to your income in your new home. It's then up to you to get the Court process on the move if you can't afford what they are deducting from you......but that depends where you go. Just beware before you sign anything, or avoid credit altogether.
Going abroad what shall i do?
when aborad.
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Originally Posted by hme.4x4
