theoldgit
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theoldgit last won the day on July 25 2011
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My wife, a national of a country in SE Asia, are planning to relocate to the UK after more than 15 years living in SE Asia. When I moved here I had a number of debts that I was servicing, but finally gave up and stopped paying, the last one became SB in 2016, and I've heard nothing from the serial chasers since well before SB, though there is an unsatisfied CCJ from 2005, and I've never heard anything from them. We are planning to return at some stage in 2023, and I suspect that once I have a bank account, or apply for a phone or internet contract they will start hassling me again, though we're planning on settling in a totally different part of the country. Is there anything I should be doing to protect myself, maybe ensuring that anything we buy is totally in my wifes name? Thanks in advance
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theoldgit started following debt affect on uk entry from Australia , Link Financial chasing deceased parent MBNA debt at my address , Letter from "Search Squad" and 5 others
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It still seems to be visable
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I realise that it's the job of the Executors responibility to provide details of the death, it there is an executor and thus a will, but surely death certificates are a public record and a debt collector could obtain one if they needed to satisfy themselves that the person is indeed deceseased. A next of kin, maybe when they're possibly greaving would, in my opinion, have discharged their duty by informing a debt collector of the death and maybe gone the extra mile by providing a copy of their certificate. I was asked or an original or certified copy of death certificate of my father, that was when a lawyer advised me to tell them to obtain it themselves, which I assume they did, their approach to me was certainly antagonistic and verging on the bullying.
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Am I right in thinking that debt collectors can't force the next of kin to supply a death certificate, but they should be advised to apply, and pay for, a copy themselves?
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Letter from "Search Squad"
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
No, I have no assets in the UK, though I do receive a UK pension which is paid offshore. -
Letter from "Search Squad"
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
As a matter of interest could a SD be served in SE Asia? Am I correct in thinking that in any case a SD couldn’t/shouldn’t be served on a debt that’s SB? -
Letter from "Search Squad"
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
No, but it’s only been a couple of weeks. I googled their website. -
Letter from "Search Squad"
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
Thanks for the views, on balance I think I'll not bother responding. I did check Trustonline a while after everything became SB'd, nothing was listed at all, all my creditors have corresponded with me here in SE Asia. As for matrimonial surveillance, sadly I have nothing to worry about there Thanks again for the responses -
Letter from "Search Squad"
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
The ICO Number reverts to "search squad" Search Squad.pdf -
I've sought advice regarding my situation of the years, and have more than appreciated the guidance given. I left the UK eleven years ago, I had some debts when I left and did manage to service them for a while, after a while the contstant harrasment and lack of empathy from various creditors just got too much for me and I made the decision, rightly or wrongly, to stop paying, whilst I wasn't proud of my actions the relief was wonderful, and I was able to rebuild my life. Whilst I gave the creditors my overseas address, to prevent a backdoor CCJ in the UK, the letters stopped arriving, debts started to become SB'd, with the final one being SB'd a tad over two years ago. Today I received a letter from an outfit called "Search Squad'', normal old baloney "We've been appointed to trace a person and we need your help with our search", they go onto say "please call, visit our website or email us and we will clarify why we have contacted you". I've no intention of doing either, but I wondered if anyone knows if they normally act for any company in particular? I'm moving home again shortly and it wasn't my intention to write to old creditors, given that all debts became SB'd between two and five years ago. Thanks in advance.
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Letter out of the blue Lloyds/Robinson Way
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
Another letter arrived today, it took six weeks as they, Robinson Way, used an incomplete old address, all credit to the local postal service that it actually found me, name, name of road and country. This time they offered me a payment plan. I've found an old letter where they offered to settle for a third of the amount claimed, that letter was dated August 2008, I wonder why they are sending letters again after all the years, maybe they think I will suddenly roll over. -
Letter out of the blue Lloyds/Robinson Way
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
Thanks Uncle I've actually carried out a Trust Online search on my old address which shows nothing on the CCJ front, I might still do an Experian one in due course, though you seem to be correct that it cannot be done online from overseas. -
Letter out of the blue Lloyds/Robinson Way
theoldgit replied to theoldgit's topic in Overseas Debt/Overseas Account issues
Thanks for the advice guys, thanks also for combining the threads, I'd forgotten I'd asked the same question five years ago - it's an age thing. I missed the bit about getting a credit report, I'll do it now, will DCA's be alerted to the fact that I've requested a report? Thanks again.
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