I have 2 credit cards, both with Capital One, (£1.500 and £500), which I had been paying my due fees to every month, until recently, as I moved out of the UK to my original EU country.

For the first couple of months I still continued to pay however things are not going well here and I've found myself with no money to pay the monthly fees. So I started paying £5 each month per card.

I want to continue doing so, as I think that would not make things worse for me if at least they see I want to continue paying even if it's just a small amount. I don't know if that makes any difference, but I hope it does, because right now that's what I can afford.

The problem I have is right before I left, almost six months ago, I closed both my bank accounts in the UK, as I thought it would be better to not have any open accounts.

I continued paying the £5 using a debit card from an online bank I opened when I moved here, a bank which is based in Germany. I had no problems paying, I always did it oline via their Capital One online form.

Unfortunately after a few months the online bank emailed me saying I neded to let them know whether I'm a resident in two countries or not, as they'd noticed I was making regular payments to somewhere in the UK.

I got a bit scared by this so I decided not to reply and to just never use the account or card again.

For the past couple of months I've been searching for a way to pay with another card, I've purchased a couple of prepaid debit cards which have been rejected by CapOne when attempting to pay online. I suspect it's the fact that, when asked for the address and postcode of the card, I put my old UK info and of course that doesn't match with the Spanish address I had to give to be able to register the prepaid debit card. But when I used to pay with the online bank debit card I also put the UK address and the payments went through anyway?

So my question would be, if I put my spanish address in the Cap.One online payment page, would they be able to see that I'm paying with a card with a spanish billing address?

I'm trying to avoid them knowing I moved out of the UK because I don't want them to know where I live now and have them harassing me here. They're already making phone calls to my UK mobile phone several times a day, sending multiple emails, and I suppose many letters may have arrived at my former UK address.

Thanks.

DO you ever intend on moving back to the UK? If not, personally id stop paying anything.

No, I don't intend to move back to live in the UK again. I may want to visit sometime, but never move back.

Thanks for the reply renegadeimp. So you think if I just stop paying altogether, they won't bother chasing me?

Shouldnt of kept paying.

Morally ok but totally pointless

Silly idea to worry about them knowing where you are too

No, I don't intend to move back to live in the UK again. I may want to visit sometime, but never move back.

 

Thanks for the reply renegadeimp. So you think if I just stop paying altogether, they won't bother chasing me?

I moved abroad, no one bothered chasing me, even when I moved back they didn't bother chasing me. Every country has a separate Experian / Equifax, if you are not coming back to live in the UK,paying them is a waste of your hard earned money.

Thanks London1971, you've given me great relief.

Shouldnt of kept paying.

Morally ok but totally pointless

 

Silly idea to worry about them knowing where you are too

Thank you, feeling a bit silly now

I can help this person but worried that it may be classed as advertising. If so please delete

Try [removed - dx] They are an open borders bank/remittance company. You may find on opening the Web page it looks American but it is a world wide service. It is authorised by the FCA in the UK

[removed - dx]

It is advertising and you know it is. There Is no need to go to any site