I lived in Spain until 2008 and had 2 investment properties being rented out.
When the market Crashed in 2008 I abandoned them and moved to Thailand.
I've been back in the UK for 2 years and have good Credit with a Bank Credit Card and 2 arranged Overdrafts all well serviced.
I applied for a lease car this week and was turned down for Credit. So I re-registered for CreditExpert and low and behold the Spanish Bank has issued a default for these properties. But the Default was issued in Dec 2012 a full 4 and a bit years since I stopped paying the Mortgages.
Firstly I didn't t