Hello my name is Katie, I have a crap situation going on help would be appreciated.

I live in the UK, I took out a credit card in Australia in 2015. Now credit corp is harassing me, calling my work, which I filled a harassment claim so they gave my information to their manager so know she is emailing me and as I gave her my mobile number she is going to call me on Tuesday. Do you this k I need to pay this debt back its €5,580 dollars so about £3000 pound. I've went to citizens advice but I still don't know what to do. I really don't want to pay it but scared it gets passed to UK debt collectors. Help.

Thank you

I'm afraid that we don't get into debt avoidance on this forum. We help people from a practical point of view if there are sound legal reasons for not repaying a debts

If you owe the money and you have the money then you should repay it.

On the other hand, if there are legal reasons for not paying then we would be pleased to explore them with you. If you have now put them on notice – in writing that they are no longer to call you at work then they should not ignore this instruction.

Keep detailed notes of all attempts to contact you on this.

If you incurred a debt in Australia, then if they wanted to make legal trouble for you they would have to issue a claim in Australia, get a judgement there, transfer the judgement to the UK, have it recognised in the UK and then have enforced against you.

Credit corp have issued UK court claims via Stevensdrake Solicitors before, without having an Aussie court judgement. They use a court case from about 1972 as a precedent, where UK courts will consider enforcing foreign debts. But in the case i remember, they did not continue with the court claim, as there were issues in Australia that had not been dealt with and the debtor did not have money/assets to pay the debt. There is a debt agreement between Commonwealth countries, which makes it easier for them, so you should not presume that they could not enforce the debt in the UK, if they believed you could pay it.

If there are any issues to raise such as any excessive charges added or you want a copy of the original agreement you signed, then it might be worth asking about these. Once you establish how they can contact you, they will continue to make contact and at some point advise they will pass it to UK Solicitors.

The case precedent used to enforce foreign debts in the UK is Maharanee of Baroda Wildenstein [1972] QB 283

Credit corp have issued UK court claims via Stevensdrake Solicitors before, without having an Aussie court judgement. They use a court case from about 1972 as a precedent, where UK courts will consider enforcing foreign debts. But in the case i remember, they did not continue with the court claim, as there were issues in Australia that had not been dealt with and the debtor did not have money/assets to pay the debt. There is a debt agreement between Commonwealth countries, which makes it easier for them, so you should not presume that they could not enforce the debt in the UK, if they believed you could pay it.

 

If there are any issues to raise such as any excessive charges added or you want a copy of the original agreement you signed, then it might be worth asking about these. Once you establish how they can contact you, they will continue to make contact and at some point advise they will pass it to UK Solicitors.

The case precedent used to enforce foreign debts in the UK is Maharanee of Baroda Wildenstein [1972] QB 283

Thank you.

I didn't know any of this so kittykat400 had better look into it