I still owe the money and so my creditors continue to write to me in Spain, and call my Spanish mobile until I tell them not to, so I do need to deal with them.

Hi everyone. There seem to be several knowledgeable posters here, so I wonder if someone can help, please? I have a number of UK debts which I am unable to repay due to my circumstances. I notified all my creditors of my situation, and for about a year, my wife paid them £1 a month each, but as I have no hope of ever being able to pay the debts off, this has now ceased. I am dealing with each debt individually and the creditors are passing them to DCAs. I now live in Spain and still have no income, but my wife does, so we are able to survive. Mint have assigned my debt to AIC. The legal definition of assigned leads me to believe that they have sold it to AIC. I have refused to discuss this by phone, and have told them in writing that I will not discuss it at all unless they can prove that they have bought the debt from Mint. Today I have heard that AIC have now been assigned my business overdraft by NatWest. They will not have linked the accounts as they have my name completely wrong on the overdraft correspondence. I have read all about CCA requests here, but does this apply to a business overdraft? I was a sole trader, so it was my name trading as the business name. They have part of the business name as my surname! This debt is £35k and is unsecured.. If I was in the UK, I would have declared bankruptcy in the UK by now, but it is too late now. Please can anyone point me in the right direction with regards to the overdraft?

I wish all of my creditors took the same line........

I have a number of debts which I am unable to service, but thought it worth posting my experience with Egg, to whom I owe around £25k across a loan and card. When I moved to Spain nearly 2 years ago, and my finances had reached a low ebb, I notified all my creditors of my new address in Spain, but still had mail forwarding from my old UK address. I no longer have a UK address or mail forwarding, but long before that happened, Egg wrote to me to tell me that the T & Cs said that you had to be a UK resident to be a customer. I told them that I was no longer living in the UK, and changed my address on their website. They kept changing it back to the old UK address, and I tried several ideas, but the best came from my wife. I changed the address to Egg's address, and 18 months later, have not heard anything at all from them. I realise that one day, they will get in touch, but I am shocked that such a large amount is not receiving any personal attention from them. They even have my Spanish mobile number!

From what I can gather, they sell the debt on, and it can then be enforced in Spain as I will owe it to the new owner of the debt. I would guess that the new owner would only pay a fraction of the debt in order to make a good return.

Thanks for the reply. I read that article earlier, and see that my creditors can sell my debts to a Spanish DCA. I assume that they would then have to obtain judgement in Spain before they could do anything? Or could they just harrass me, although they only have a PO Box address?

Hello....I'm new here, and would appreciate any help from the more experienced amongst you! I have recently moved to rented accommodation in Spain, and am not currently working. I have debts in the UK, a number of credit cards and three loans and three overdrafts. I had a business (sole trader) in the UK but the recession left me borrowing to support the business and it eventually failed, leaving me with the debts and no assets. My house had equity enough to cover the debts but took 18 months to sell and the price had to be reduced so much that there was nothing left, and in the meantime I had been borrowing on one card to pay others, etc., so now have the debts and no assets or income. We are living on a small income that my wife has. I told all my creditors that I had moved to Spain, and wrote to them explaining my situation. I have been making token payments of £1 to each debt each month. Some of my creditors still write to my old UK address but most write to Spain. Egg has ignored my change of address completely and it's not possible to change it on the website. However, I have managed to change it to 'I have told you I have moved to Spain and you have ignored it' and left the postcode as was, so maybe they will take notice now. Some of the creditors try to call my UK mobile even though I have given them a Spanish mobile number, which I do answer. They also send me letters and text messages asking me to call them, which I can't do from a Spanish pay as you go phone. Barclaycard have changed the address on one account and not the other, and Lloyds TSB write to me in Spain from one department and in the UK from another department about the same account. I have my UK mail forwarded to Spain but as there is no postal delivery where I live I have a rented PO box, and I have to go there to collect the mail, so this is the Spanish address they have, not the house address. I do not foresee any way that I can repay my debts, but I do not know what course of action the lenders will take in view of my move to Spain, or what I should do to deal with the problems. Can anyone help, please?