Hi

I moved to the Uk from Ireland in 2010,

when I arrived I owed around 4000 euro on a credit card with Visa.

After failure to pay they passed the debt to a solicitor for debt collection based in Dublin

At first I was paying 50 Euro a month.

I then got myself into some trouble over here without a job and stopped paying as I couldn’t afford it.

2 years passed and I have since moved house and have been working hard to pay off my debts but I hadn’t heard a thing from them.

I recently visited the previous address and found a letter was sent last month saying that there were starting legal proceedings.

Question I have is will they be able to send bailiffs to my friends house or my house and what are the chances they will pursue me through the English courts if I ignore it?

bet it doesnt say WILL anything...read it properly..

as for your other debts

I hope if they are consumer credit.[like cards loans etc...you've send each one a CCA request rather than blindly paying powerless DCA's

they ARE NOT BAILIFFS

Sorry I misunderstood your first response.

The others I’m dealing with and have arrangements to pay it off bit by bit

list your debts and WHO you pay..

I've updated post 2 as I was on a tiny screen to do it

You moved to the UK in 2010 and yet recently you visited your previous address...which one ROI or UK previous address ?

How does your friends house fit into this ?

Andy

Sorry, I say my friend as we became so after I rented a room at his here in the uk.

The creditor that says they have commenced legal proceedings is a solicitors office in Dublin who took over a debt I owed to a credit card.

As for the ones in the uk I stupidly got myself into trouble with payday loans as I was in a desperate situation. Some of them I have a monthly arrangement and some have moved those arrangements to companies like Lowell (the most recent)

I feel so dumb about all this

" The creditor that says they have commenced legal proceedings is a solicitors office in Dublin who took over a debt I owed to a credit card."

And this was posted to your friends house in which you rent a room ?

retitled and moved to debt self help

just keep posting here for now

till we get a list of your debts

Yes, I had given them my address there a number of years ago when I was still in a position to pay and was doing so but they do not have my current address

Do you need amounts aswell as who?

as long as you'll get mail from the address the owners [DCA's] have already for now leave as is....

original creditor

whom you pay now or owns the debt now

defaulted date from your credit file

outstanding balance

type of debt

last payment date

when taken out

for each debt...

it will be probable that you'll start a thread in the Payday loan forum and deal with all those there

but for the minute lets get the overview…..

Ok I’ll get a full list of all details together in the morning. Thanks for all your help in easing my mind