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About 3tea

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  1. The reason they are doing this is to call your bluff in my view, as they probably suspect you are still in the UK. I had the same problem with CapOne, and eventually I rang them. They stated that they could not accept a NZ PO Box as an address, quoting 'You can't live in a PO Box'. My response was that this was the address I had, I was not in the UK and could prove it, and basically do your worst etc etc.... The only real trump card they have is to retain the UK address in order to get the requisite CCJ they want. There is one thing that is commonly overlooked, and tha
  2. Go to this page and have a read. There are some countries where sending data is acceptable it seems, so I may be getting you to bark up the wrong tree.... It's all a bit vague and woolly, but it would seem that data to the US may be ok as long as the recipient of the data operates under the Safe Harbor scheme, which Bluestone apparently does according to their website. http://www.ico.gov.uk/for_organisations/data_protection/the_guide/principle_8.aspx cheers, 3tea
  3. I am in NZ and was following a thread last year whereby a load of people in Australia were taken to court by an Oz DCA for UK debt, and their Oz credit file was trashed. It transpired (I think) that the debts had been sold to the Oz DCA having had the personal data 'laundered' through Canada who apparently have some data exchange agreement with the UK. The Oz DCA got into some serious trouble with the OZ authorities as I think it suggested to the Court that the debts were legitimate Oz debts. So debt sold to a DCA in Canada, then on sold again. You may well find that this debt has bee
  4. I would contact the creditor in the UK and lodge a formal complaint that they have breached the Data Protection Act by releasing personal data to an organisation outside of the UK. I think you do it by contacting the Data Commissioner in the UK.
  5. Notmydebt, I don't wish to be rude, but my opinion would be that your son perhaps needs to take some responsibility for the mess he has left, and it should not be up to you to sort it out. He needs to tell them where he is, and immediately. I left debt in the UK, and all my credit files were registered at my parents house, so once I stopped paying, my parents got the full onslaught as you are experiencing. This mortified me more than anything, so I told the ORIGINAL creditors where I was first, and then followed it up by telling the Debt Collection Agencies as well. My
  6. Downfall, Don't get worked up by this, it is simply not worth it. I have been in NZ for 4 years, and my UK credit record was stuffed before I got here, primarily due to loss of job following an injury. This has not stopped me starting again and I now have a mortgage in NZ and a new life. The advice you have been given is very good, and I would reiterate that you MUST tell your creditors where you are. Firstly, get a PO Box address and give the creditors this.They will argue that they can't take it, but as long as you retain proof that you have told them you will be fine. I use
  7. Taff, Glad I was of some assistance! I would imagine that by now, even if you had a CCJ given to you, that would have dropped off the system too, and F**k would be the expression I would use if I had stooped to be as lowly as a debt collector upon finding out my debtor had moved to NZ! Don't see you have a problem anymore other than the hassle towards your parents. My Dad gave me a bit of a moral lecture when the collectors came a calling, which is why I told them where I was. As the paper is getting less, and your Dad ain't bothered, just carry on enjoying NZ! Che
  8. I would echo this excellent advice and get out of the house if you can. If you default on your loans and still own the house, then HSBC and the Halifax will attempt to get a charging order against the property which will sit there until it is sold. This is very likely in your circumstances. This may not be a bad thing, as at least you won't be making loan repayments any more, and the creditors will have to wait until you decide to sell. They will then have second, and third bite of the cherry after your mortgage lender. If there is still money owed to them after the house sale, then
  9. Not so far for me. None of my creditors got past threatening me with 'doorstep' visits in a generic letter. I have been in NZ for over 3 years and during the first year was getting at least three letters a day. It dropped off massively in the second year, and almost stopped in the third year. The only correspondence I now get is from Halifax, who quite correctly send me a notice every three months notifying me of my default status. All of the others have failed to comply with the law rendering any legal challenge hopeless anyway. The only notification I had in the last year
  10. ScotinOz, Sorry for the delayed reply. Have not logged in for a while. There are a few things you need to be careful of I think. Firstly, the advice I would give is to check the situation regarding a creditor obtaining a CCJ in Scotland. What is written below, refers to England and Wales, and I would really find out from the Scottish Courts how your circumstances would be dealt with. My situation was in Wales, and in writing this I am presuming that the law in Scotland is similar????? In England or Wales, a creditor has to show that the address for the issue of the
  11. Hi there. Hopefully I can be of some help, as I have been in NZ for just over 3 years. I left the UK with significant debt having been unable to pay it back due to loss of job after an accident at work. This was unsecured debt, but debt nevertheless. I will deal with unsecured debt first. As regards a UK bank, credit card company or a debt collection agency actually taking action against you in NZ, it is virtually impossible for them. To do so, they must have already obtained a CCJ against you in the UK. If they have not, then you can forget any legal action. As re
  12. Hi, if it's any help, I have 'been there and done that', so hopefully can give some reasonable advice. It is very important that the creditor understands and records the fact that you are in New Zealand. They may tell you that they will only accept a UK address, but this is simply to make their job easier and increase the chance of getting a CCJ against you. Start with the actual company you owe the money to, and send them a letter, recorded, registered whatever you wish and tell them where you are. I would go to the nearest Post Shop in NZ and pay for a PO Box for 12 months.
  13. Geoff, I echo the advice about giving them the PO box now. Don't worry about it, and to be honest forget giving them an email address as well. They won't use it, and will continue to send you a deluge of letters regardless. Just keep it simple, make sure they know where you are, and leave it at that. The golden rule, is to ignore anything sent to you. File it and keep it by all means, but every time you contact them, you restart the statute of limitations clock as well. They will threaten all sorts, I even had one stating that even though I was in NZ then I came under the law
  14. Geoff, You have done exactly what I did three years ago, credit cards etc etc registered at my parents address. This next bit sounds a bit blunt, but give your parents a break and do the following as soon as you can. It is the only way to get them to stop hassling your parents. Right then, firstly congratulations at your escape from the UK and secondly..... 1. Get yourself a NZ PO Box ASAP. 2. Ring up every debtor using Skpe to cut down the cost and give them this PO Box address. you can ignore Debt Collection agencies as they get all of their info from the creditor an
  15. Loving France.....what kind of MBNA card do you have? MBNA bought out loads of credit cards from various banks who wanted to wash their hands of the business. Mine was with the Abbey, and MBNA bought that in 2006 or 2007. The card continued to have the Abbey logo, but was administered by MBNA. Unfortunately, they forgot to ask for the paperwork from Abbey. My request for a copy of my agreement (from 1997) was similarly ignored, until almost a year later they conceded they could not produce it. I had a letter from them stating that as they did not have the agreement, they would n
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