Hi, apologies if this is the wrong place for this (admin feel free to move it if it is!)

I've searched and searched for the answer for this but with no success so I'm hoping someone here can help me.

I have a Vanquis Visa which I am the process of paying off (slowly!) and have now moved to the USA

I informed Vanquis of my new address by email (which was another hassle in trying to get that!) but they have come back to me to say they won't accept international addresses and won't update my account with my new address. I asked them to clarify how on earth they would contact me then but so far I've been ignored.

What do I do? I no longer live in Scotland, will not be going back any time soon and I'm not able to give them a UK address.

tough you've informed them you are now no longer resident.

go enjoy your life

They won't change the address to one abroad, as it means gone away on your credit record.

If you defaulted on paying credit back,

there is not much they can do if you are abroad,

unless you have assets such as a house in the UK.

It makes the debt more difficult to sell on, if it ever got that far.

Write to them by international recorded post with something official to confirm your US address.

Advise them that under the Data Protection Act they must note this change of residential address to ensure accurate up to date records.

That if there is any significant notification required about the account, that they must write to the US address.

Then leave it up to Vanquis.

If you contact Experian in the UK,

they will explain process of you adding notes to your UK credit file.

You could add a note that you have moved to the US and provide the address.

tough you've informed them you are now no longer resident.

 

 

go enjoy your life

Thanks...but I don't want to just bail on it...I don't want my credit rating to be affected as I will be back at some point down the road and also don't want my new tenants being hassled either.

I'll send a letter (recorded or whatever the equivalent is here in the USA) as they obviously aren't willing to accept my email.

Thanks Uncle Bulgaria, I'll try that.

If you have a house in the UK, you want to avoid a court judgement and a charge being registered against the house.

they cannot get a CCJ nor a charge if the defendant is not resident in the UK>..end of!

dx

is this the only debt you've runaway from?

yes protect your assets.

you must inform your listed creditors that you have moved abroad and are resident there.

are the tenants friendly?

must be best to send them an email containing a signed letter by you to send recorded delivery from there

I'm not running away from any debts...as stated before I am currently paying it off and will continue to do so as I'll be back in the U.K. at some point.

All I need is the address updated....although I do understand it might appear to them that I'm dodging my debt!

email wont cut it

tenant friendly ?

might be the best route I suggested

ideally you should have dealt with this before departure....

they cannot get a CCJ nor a charge if the defendant is not resident in the UK>..end of!

 

 

dx

Is that definitely correct? What would happen on my return? Could they do that then?

ofcourse but you MUST inform them you are not resident in the UK.

email is not sufficient!!

Is that definitely correct? What would happen on my return? Could they do that then?

If a creditor knows you are outside of the UK, then it would normally prevent them gaining UK court judgement. But of course, if it got to the stage of the debt being sold on, then some creditors conveniently cannot find details of a foreign address, so they gain court judgement by default using your last known UK address. Once they gained judgement and charge against the house, it is difficult to get this set aside purely on procedural issue of you being abroad and not served the court claim.

So if it ever gets to the stage of defaulting on any debts, make sure you take precautions e.g have access to UK credit records, make sure your tenants know to inform you of any important looking letters in your name that are received. Remind creditors of your foreign address.

You cannot predict the future ability to pay debts. Where people run into problems is they try to forget about UK issues, as they have local daily life to deal with. This might be ok, if you have no UK assets, but if you have any UK property, then you need to take sensible precautions by keeping on top ot admin.