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theoldgit

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Everything posted by theoldgit

  1. I realise that it's the job of the Executors responibility to provide details of the death, it there is an executor and thus a will, but surely death certificates are a public record and a debt collector could obtain one if they needed to satisfy themselves that the person is indeed deceseased. A next of kin, maybe when they're possibly greaving would, in my opinion, have discharged their duty by informing a debt collector of the death and maybe gone the extra mile by providing a copy of their certificate. I was asked or an original or certified copy of death certificate of my father, that was when a lawyer advised me to tell them to obtain it themselves, which I assume they did, their approach to me was certainly antagonistic and verging on the bullying.
  2. Am I right in thinking that debt collectors can't force the next of kin to supply a death certificate, but they should be advised to apply, and pay for, a copy themselves?
  3. No, I have no assets in the UK, though I do receive a UK pension which is paid offshore.
  4. As a matter of interest could a SD be served in SE Asia? Am I correct in thinking that in any case a SD couldn’t/shouldn’t be served on a debt that’s SB?
  5. No, but it’s only been a couple of weeks. I googled their website.
  6. Thanks for the views, on balance I think I'll not bother responding. I did check Trustonline a while after everything became SB'd, nothing was listed at all, all my creditors have corresponded with me here in SE Asia. As for matrimonial surveillance, sadly I have nothing to worry about there Thanks again for the responses
  7. The ICO Number reverts to "search squad" Search Squad.pdf
  8. I've sought advice regarding my situation of the years, and have more than appreciated the guidance given. I left the UK eleven years ago, I had some debts when I left and did manage to service them for a while, after a while the contstant harrasment and lack of empathy from various creditors just got too much for me and I made the decision, rightly or wrongly, to stop paying, whilst I wasn't proud of my actions the relief was wonderful, and I was able to rebuild my life. Whilst I gave the creditors my overseas address, to prevent a backdoor CCJ in the UK, the letters stopped arriving, debts started to become SB'd, with the final one being SB'd a tad over two years ago. Today I received a letter from an outfit called "Search Squad'', normal old baloney "We've been appointed to trace a person and we need your help with our search", they go onto say "please call, visit our website or email us and we will clarify why we have contacted you". I've no intention of doing either, but I wondered if anyone knows if they normally act for any company in particular? I'm moving home again shortly and it wasn't my intention to write to old creditors, given that all debts became SB'd between two and five years ago. Thanks in advance.
  9. I can confirm that your details will not be flagged on the Border Force systems, the warnings index would only alert the Border Force Officer if there was an arrest warrant for a criminal offence, because you had skipped bail, or because you were on a terrorist watch list.
  10. Another letter arrived today, it took six weeks as they, Robinson Way, used an incomplete old address, all credit to the local postal service that it actually found me, name, name of road and country. This time they offered me a payment plan. I've found an old letter where they offered to settle for a third of the amount claimed, that letter was dated August 2008, I wonder why they are sending letters again after all the years, maybe they think I will suddenly roll over.
  11. Thanks Uncle I've actually carried out a Trust Online search on my old address which shows nothing on the CCJ front, I might still do an Experian one in due course, though you seem to be correct that it cannot be done online from overseas.
  12. Thanks for the advice guys, thanks also for combining the threads, I'd forgotten I'd asked the same question five years ago - it's an age thing. I missed the bit about getting a credit report, I'll do it now, will DCA's be alerted to the fact that I've requested a report? Thanks again.
  13. A bit of background I had an old LloydsTSB credit card, which I struggled to pay some years ago, and then to be honest I just gave up, I must have stopped paying in about 2006, maybe even earlier, though I don't recall ever getting a notice of default. The last communication from me was in August 2008 notifying them of my change of address, it was a generic letter not really admitting liability, but I suspect that as was eight years ago any conceived admission would have been meaningless by now. I had a letter from TSB in September 2008 offering a 60% discount on the debt this offer was sent to my old address, I didn't respond. In September 2011 I received an assignment notice from MKDP sent to my old address, I didn't respond. Today I had forwarded to me a letter from Robinson Way, it was sent to a previous address but with an incorrect post code. They talk about a debt to HPH2 LTD (ex Lloyds Overseas). They say that they've been trying to contact me, I don't believe them, they then go onto list of things they may consider, asking for a CCJ to be issued, they can't as they know I live in SE Asia, sacrificing my first born, sending a report to a credit reference agency or phone me on the numbers they have on file. My thinking is to totally ignore the latest template, is the correct approach, I'm assuming the five year old letter from MKDP wouldn't have reset the clock? Edit - I'm having a problem with paras.
  14. How would I do that, I haven't had a UK address for well over six years, over eight in fact. The statement I referred to was sent to an old SE Asia address, the DCO in question, also MKPD, have written to me at my current address.
  15. I recently received a statement of account in respect of a Lloyds TSB CC debt that has been statute barred for a couple of years, there hasn't even been any communication by either side for a few years. The statement was sent by the latest in a long line of DCA's, and was sent to an address I moved out of about fours years ago, though the old address is still in this country, the letter was poorly addressed, it didn't contain the city or even the country, it did find me though took a couple of months. It was from a DCA in Milton Keynes though posted in Switzerland. This particular DCA did write to me at my current address about three years ago. The letter does no more that outline the debt, it doesn't ask for payment. Am I correct in thinking that this couldn't reset the SB clock, even if it had been sent before the debt was actually SB? I'm inclined just to ignore it, I suspect there's nothing to be gained by reminding them it's SB, given that it was incorrectly addressed to a previous address maybe I could just bin it and deny ever receiving it. Would be grateful for any views, thank you. Edit: I'm having trouble formatting this post, it just appears as one long para, apologies if I can't correct it.
  16. The Border Control checks that you are who you say you are, and gives the Border Force Officer info that will decide it they admit you into the UK, right to enter, possession of a valid visa if you're a visa national, that sort of thing. As dx100uk says debt is civil not criminal so wouldn't be flagged up if they checked your passport against the warnings index. They will check for outstanding criminal warrants, terrorism flags or previous immigration offences. People of note are usually flagged before you get to the officer as the Border Force have access to manifestos and advance passenger information, so you really have nothing to worry about.
  17. Yes they were, and they have all written to me to me at my overseas addresses.
  18. I'm really sorry about the above post, I really did properly format it but it, and a subsequent attempt at editing, has resulted in one long para.
  19. I have been living overseas for almost nine years and am considering moving back to the UK because of health issues. Whilst I wasn't running away from debts I did leave behind a couple of credit card debts, I did service these for a while and when the GBP started going down hill servicing these accounts became more and more difficult and I started missing payments, constant pressure from creditors, whilst understandable was affecting my health and almost my sanity, I made the conscious decision to stop paying. whilst it's not something I'm proud of, a massive burden was lifted and I got on with my life, the creditors no longer write and haven't even sent statements for a couple of years. I believe that these debts are now statute barred as there have been no payments or acknowledgements for over six years. Following a recent heart attack we're considering moving back to the UK so I can be covered by the NHS for any future issues, I don't feel guilty about this as I'm still a UK taxpayer and "paid my stamp" for in excess of forty years, but there are a couple of things that concern me. Whilst we are considering moving to an area far away from the area I lived in before, once I start getting things like a telephone, television and internet services, maybe even a new driving licence, as well as a UK bank account, I will start to be chased by previous creditors, or their henchmen, I'm aware that whilst debts might be SB, they still exist and I expect they will chase sooner or later. Can anyone advise how long the process of "putting two and two together" might take and how robust they might be if I cry SB? I was considering opening a bank account with HSBC on my return, however one of the debts was with M&S and even though it's SB would they still be able to claw back funds under their setting off procedures? I would be grateful for any advice and views. Thanks very much. Edit: When I wrote this post it was properly formatted, however it was posted as one long paragraph, I've tried to re-format in this edit.
  20. Hi Oleg Does that mean you saw this argument used successfully as a defence? Thanks
  21. I had two accounts with M&S, one credit card and one loan for a car. I had allowed my ex to, unofficially, take over the car loan and she took the car. She made the payments on the car on time and paid off the loan, leaving a credit of about £20. Meantime I had a card account and I was really struggling, faced with reduced income I was only able to make the bare minimum payment, and whilst I wasn't paying any penalty charges I was treading water due to the high interest charges and getting nowhere. I made a conscious decision to stop paying, irresponsible yes, but the temporary relief made me feel much better, and I was able to sleep better. The card debt is, I believe, almost Statute Barred, but they transferred the credit of £20 from the car loan to the card account, and I believe this may have reset the clock meaning that all bets are off and the card debt will not be SB for another couple of years. I would welcome a view. Thanks
  22. When you enter the UK the Immigration Officer swipes your passport and it is checked against the Warnings Index, the Warnings Index has details of arrest warrants, suspected terrorists and those who have been previously removed from the UK, so unless you fall into any of these categories you have nothing to worry about.
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