donoharm
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I had debt 9 year ago due to unemployment. i also have a mortgage debt because of repossession of the house in uk. My question is simple how can i avoid being swamped by the debt collectors before i find a job, settle in and be in a position to negotiate a repayment. i have a bank account in uk where registered address is overseas. i will have to change that to my current address in uk for criminal records bureau check (now called dbs check) as req for the job. i know banks share the address change with credit companies. Please advise me on best strategy. thank you
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I have a CCJ on which a full and final settlement was reached. I would like to open a bank account. When asked about whether or not i have a CCJ against me should i answer yes. In my case which bank is the best for an account that provides a visa debit card and direct debit facility. i don't need a overdraft. regards
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If i were to declare bankruptcy. do you know how much it will cost? Is there a bank which offers bank accounts for bankrupt people? I have also come to know that if you have been abroad and come to uk then want to declare bankruptcy in the first 3 months since u have been in uk you have to go to high court in london, is that correct?
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It is roughly 25000 pounds. there are 10 creditors. the debts are 5 years old. all are credit card debts. the reason why asked the question is that i wanted to save some money and them enter a full and final settlement with the creditors.
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I have significant debt in uk. I don't currently have any funds and will be looking for a job before i can make repayments. I need advice on how to avoid harassment by debt collectors during this period. For example if i were to take out a phone contract , will the debt collectors be able to find me by searching my credit file. Should i avoid getting into any new contracts until i have finances to negotiate with debt collectors?
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I have significant debt in UK and it has been 5 years since last default. My move to UK is unavoidable. I don't have any funds and will not be able to afford any repayments until i get a job. I would like to stay low when i move to avoid the hassle of debt collectors until i can afford repayments. I would appreciate any suggestions.
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I have checked my credit file. some of my debt accounts show default amount but are also marked as settled. what does this mean?
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Should i declare bankruptcy?
donoharm replied to donoharm's topic in Overseas Debt/Overseas Account issues
Thank you for the quick reply. I have a recent report from equifax. Most of my debts default date from 4 years ago. A few have been sold to what i think is a credit collecting agency called PCO Holdco S A R L. My mortgage account now shows as settled. I had one CCJ and a full and final settlement was reached on it.- 5 replies
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Dear cag, I have significant debt in UK. I am overseas and has been 4 years since the default. My house was repossessed. 1-Is it worth declaring bankruptcy now. what are the pros and cons? 2- If i were to declare bankruptcy and came to work in uk ,i am worried that i will not be able to open a bank account with out which i will not be able to get paid among other difficulties. any solution to this problem? 3- What if i continue to work overseas for another couple of years and then come back, will that change anything? I really need some sound advice on how to plan my future.
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