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jimjam800

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  1. I don't have any UK defaults or debts. I stopped using credit when I stopped earning an income. Sorry if I was unclear on this.
  2. Thanks again! I will be reading everything I can. I really appreciate everyone on here helping - it can be pretty intimidating when you receive all of the threats of court etc. Unless anyone else thinks there is a better route to resolve this I guess I will just stop paying. I just hope in 5 years time or something to have been able to start a mortgage but I guess I will be better waiting for the 6 years to expire...Oh well some landlord will be happy
  3. Thank you so much. As I have been an utter fool and been paying off a small amount each month is there any advice as to what to do? Stop paying and wait for them to bring action so I can dispute jurisdiction or try to do that whilst paying? Sorry to be asking so much. I did even speak to a couple of debt lawyers and nobody could give a good answer.
  4. I know, I feel pretty stupid now but at the time I wasn't well enough to take things on properly. I don't suppose you could share any specific threads that would help? I have dozens of tabs open and trying to work it all out! I emailed a debt charity in AU but they said I would need to be present and that you then need to apply for permission to leave the country again
  5. I hope so It has been quite a stressful time with it. I have a long list of posts open on here that I have started to go through. Most so far seem to have made it to the point of a UK hearing but only read a small amount.
  6. Hi, I have been reading lots of different opinions on here regarding debt from Australian companies being chased in the UK. I had a fairly large credit card, plus some other unsecured loan debt in Australia where I lived for some years. Due to illness I ended up back in the UK and out of work for 4 years. As a result I defaulted on the debt and had not made a payment on any in about 2 years. About a year ago I received a letter from Stevens Drake regarding on of the debts and threatening generic legal action if I did not pay. As I was still unwell at the time I did not have the energy to research my options as what best to do, as a result I started making £xx per month payments. The debt in this time has gone from about $18,000 to over $23,000 as the payment I have been making are fairly small. Long story short, I asked if they would accept a few thousand pounds to settle the debt in total as that is all I can scrape together from family and friends but they refused it. I cannot go bankrupt in Australia as I am not there, I also cannot go bankrupt in the UK as I do not have any debt and that debt is not even located here yet - so I feel in a catch 22 situation. I feel like I should just stop paying and force them to issue proceedings here so I can then go bankrupt but I am not sure how bad an idea this is. I will not be able to go back to earning the sort of money I did previously which means in reality I cannot repay this debt. If anyone can give any advice I would be extremely grateful.
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