oh god no never enter into pointless letter tennis by whatever method

dx

Thanks dx, just to clarify can l just bin letters of should l keep them?

Thanks dx, just to clarify can l just bin letters of should l keep them?

An Idea?

Lol thanks old cogger

no harm in scanning stuff to PDF

I do that with everything.

might be useful in time for harassment purposes.

dx

my FIL has had a letter from Lowell saying that if we don't pay within 14 days they'll be sending a sheriff officer round to collect the debt.

Can they do this in Sccotland given its nothing to do with FIL?

We have advised him to send them back as not at this address

should we contact them by email with our address here in Australia?

Also does anyone know if we can change our address to a Po box as we may need to move around and it would probably be easier to kept a box.

Thanks

Karen

urm..

I think you need to get him to read the letter properly.

it doesn't say WILL anywhere I bet.

and no sheriff can ever get involved unless its been to court

and even then

lowells cant tell the sheriff what to do

its the courts call not lowells!

willy waving ignore them.

dx

I can see you posting on here everytime your FIL is contacted.

What you have to remember is that is DCA's receive spreadsheet lists of debts to chase and from this list they will send standard letters to the address they have been given. This is going to go on for possibly years and is not a deliberate act. They have been given this address as a possible contact address for you in the UK. The DCA won't always have access to any correspondence where you have given your Australian address.

If your FIL is bothered by these letters, he could just send them back with a covering letter providing your Australian address.

Another thing you can do is contact Experian credit reference agency in the UK, to find out process for you to add notes to your credit file. You could add a note saying, now Australian resident at x address. If you move around in Australia, Aussie post office will do mail forwarding. You can update notes on your credit file with any new address.

Hi posted before & advice always been helpful.

Been living in oz for last 3 years & have no plans to move back to Scotland.

We have recently moved from a rental to our own property & will be letting MBNA, Nram & , Santander know our new address lm just worried that as we have bought a property obviously l won’t be stating that in letter but not sure if they look into that.

Thanks again

pers I wouldn't

dx

You wouldn’t give them the new address? I have redirected my mail but it runs out in a month or so.

not a lot they can do to you

other than hassle you

You wouldn’t give them the new address? I have redirected my mail but it runs out in a month or so.

They know you are out of the UK, that is all that is important. Even if they traced you to your new Aussie address, they are not going to try enforcing a UK debt against an Aussie property. Far too expensive and complicated.

Thanks, so obviously when redirection runs out the mail will either be binned by new tenants or returned to sender.

Just worried about that in case it’s not

don't matter time to ignore now anyway

Just after s little more advice.

We’ve received a letter from Cabot Financial people at an address which we first lived in when we arrived ( we know the owners)

the letter states that if no contact made they will continue to send letters etc.

My question is should l ignore or email them with our new address ?

I don’t want the owners of our previous rental getting harassed.

I’m thinking of setting up a PO Box & would provide that as a correspondence address. Thanks

you shouldn't use a PO box.

court papers cannot not be served there.

have you not already written to them and told them you are now resident in OZ

Yeah they know we’re in oz,

got the letter delivered to an address in oz just an old one.

Should l give them my current address?!

Court papers?

I thought they couldn’t serve as we were in oz!

No i didnt read the full thread

They cant do court

If you want them to have your correct address then WRITE

Never use email

Gives them a free way to harass you

Yes you could provide current residential addess in OZ. They might send a few letters and give up, as difficult to to pursue this any further.

I believe there is a process to serve court papers in a foreign country, but i very much doubt this would happen.

From memory they would have to use a process server to issue the court claim to you by hand and that would cost them money.

To then go through the correct process of dealing with you, as a non resident of the UK, is very very unlikely to happen.

They have enough problems with UK residents.

I have an email address which l don’t use very much could l use that? This letter was posted on 31/5/18 & only received it recently so just thinking of the quickest way possible to let them know our address. Thanks

Of course you can.

Thinking about it again, I probably would not do anything at all.

Any response indicates they have made contact which will encourage them to try to contact you again.

Cost of sending letters by post to Australia is costly and I doubt they would bother much.

The occupant of where you used to live will bin them or return to sender.

They know you don't live in the UK, so no reason to issue court papers to your last UK address.

If they really wanted to trace you in Australia, it is quite easy.

You are probably registered on White Pages directory.

Yeah we know the occupant & they’re letting us know when we have mail.

This is the only company that we’ve received,

Don’t want occupant annoyed

Would you not bothered updating address then?

Thanks

you're learning...….