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  1. And what happens if you are not on the electoral roll?
  2. Did we ascertain who this vehicle was owned by? If it is the daughter then I would be more concerned about that than the MOT issue. As we know, there are good and bad insurance companies and some will wriggle no matter what. A company cannot repudiate a claim on the basis of a lack of MOT alone; if it can be demonstrated that the vehicle was not roadworthy, then that is another matter. The lack of MOT will impact on the total loss settlement as that is normally the "current market value at the time of the loss" and a market value would be affected by the lack of MOT. If OP has insured her daughters vehicle as her own or not given accurate information about who the main user is, then that is a material fact that has not been disclosed and most insurers will take a dim view of that.
  3. Floral Dance - Brighouse and Rastrick Brass Band (featuring Terry Wogan)
  4. Is it possible for a charging order to be put on a property that is jointly owned, when only one of the parties is responsible for a debt? The property was bought jointly, joint mortgage, payment from joint bank account. The two parties are friends only, not related or partners. Thanks
  5. It is a tricky one, because if I don't tell them where I am then I can't enter into any dialogue with them about the account. My thoughts were that they may be put off even commencing court action if they knew they it would lead nowhere. I don't want you to think that I am asking for advice and then arguing why I should not take it, but I am not sure the leaving them to find me option is really there. If I was trying to find me, with the help of google it would take about two minutes, whether I had told them or not. If it had been a deliberate attempt to disappear, I would have covered my tracks a bit better, but it wasn't! I am hoping things will resolve themselves but forewarned (about possible consequences down the road) is forearmed as they say
  6. Radiobirdman, could I ask you to have a look at my thread and tell me what you think? http://www.consumeractiongroup.co.uk/forum/general-debt-issues/147362-confused-overseas-where-do-new-post.html
  7. I am not in a default situation with my bank. Also would an NZ debt collecting agency have the right to collect a UK debt?
  8. OK I will come clean and say it is a few more than 5 or 6, a couple of them are small-ish but a couple are quite big. I have had credit cards for years and done the balance transfer shuffle and then when things got tough, it was easy to just move from one to the next until there was nowhere else to go. Are there are any circumstances where credit card companies band together to pursue a debt? If my bank knows my NZ address (and I think they do) would they be allowed to share this with other parties?
  9. Thank you both for your helpful replies. From the research I have done so far there is no reciprocal agreement between NZ and the UK, so I assume anything done in a UK court would have no jurisdiction here. I haven't quite decided what to do, I have never been in this situation before but I just wanted to be informed about my options. One of my main concerns is not to drag my sister in my mess. She is very well informed and no wallflower but even so this is not her problem, she has already helped me out and I don't see why she should have to be bugged because of me. She has had a few phone calls when I have been late with payments; she just tells them I don't live there any more but even so this is why I thought it would perhaps be a sensible idea to let the credit card companies know where I am. It wouldn't take a rocket scientist to work it out anyway, I have been coming backwards and forwards here for six years and regularly using my credit card so I am sure they could track me down if they wanted to do. There are a whole lot less people here for a start! Also if I don't tell them my NZ address then it definitely looks like I am deliberately avoiding the debt and I am not sure that is a good thing.
  10. Thanks Dave and good luck with all you are doing too I have started a new thread here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/147362-confused-overseas-where-do.html#post1555077 Presumably they have the same time limits to comply and I have the same rights if they don't, even if I am asking nicely?
  11. I now live outside the Uk ( I think you can guess where!) and have some debt issues to attend to. My question is where do I start. They are mostly credit cards and taken out some time back. At present none of them are in default but it is only a matter of time as I cannot keep on top of the payments. I want to be completely up to speed with everything before bad things start to happen! I have been using my sisters address as my UK contact address but I do not want her to be caught up in any fall out from my issues. Should I therefore advise these companies of my NZ address ( it a PO Box anyway since I live in a rural area.) If it came to it would they be able to issue a summons on my last UK address, or is it my last KNOWN address. Should I offer them a partial settlement as F&FS to try and close the matter or is that admitting the debt? Would I be better off doing a CCA request first to protect myself should the need arise? I assume they would have little luck pursuing the debt here in NZ anyway so if they know I am here from the start would they bother with court action? Any assistance would be much appreciated. It is highly unlikely I would return to the UK by the way. I am tax resident and domiciled in NZ. Does that mean I could not be made bankcrupt in the UK? Sorry, lots of questions all at once!
  12. Is it correct that the statute barred period is affected if you are out of the country at some point during the six years. I am currently overseas, I don't have any intention of going back, but if I did is the time I was away excluded from the six years? Hope that makes sense!
  13. I hope you don't mind me popping up in this thread but there seem to be a lot of knowledgeable people on here, not to mention the fabulous Dave! My situation is slightly different so I thought I would ask for some advice. I have a number of credit cards and a couple of loans, none of which are in default yet but it is only a matter of time, I am just about hanging on in there. I have not been in correspondence with any of the companies to advise of financial difficulties. All of the credit cards have been in force for probably 10 years or so and a few have changed creditor at some point. I have two Bank of Scotland cards that were unfortunately taken over by MBNA. I am now permanently resident overseas. What should be my course of action. I have a feeling most of the companies will not be able to provide the required agreement. Should I just write to them and ask for the CCA at this stage and see what happens or does there have to be a dispute for this to happen. Should I tell them I am now in financial difficulty? Any advice gratefully received. Apologies if I am in the wrong place, as I am a newbie. Thanks:)
  14. Thanks for the info. I am sure the purpose of the Act was not to allow them to hide behind it to provide a poor service. It just seems bizarre that you pay them to do something, they don't do it, cause you all sorts of hassle and extra expense but have no responsibilities whatsoever. I guess I will have to let it go. You live and learn. If I was ever in that situation again I think I would just change my address to a relative or friend and ask them to send mail on once a week and pay them. I have a permanent overseas address now so hopefully no more Royal Mail:)
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