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About poutine

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  1. To clarify. The student loans company passed the debt to an Ontario based debt collection company who hasn’t contacted me and who I would ignore if they did as the debt isn’t recognized in Ontario. Even if the debt was transferred to Canada it likely wouldn’t affect your Canadian rating. The system isn’t setup to log foreign debts.
  2. Not sure what you mean "local" in Canada or UK? All my debt is in the UK. If you're here on a permanent visa, that is PR or something that even leads to PR then I would just stop paying them once you have told them that you are no longer in the UK. I left behind over 20 grand in credit card debt and 15 grand in SLC debt and they have not taken any action other than letters and phone calls in the last 5 years. My only regret is making payments the first 2 years I was here. I should have stopped paying immediately as then I would have been able to buy a house sooner.
  3. I had a letter saying the debt was transferred to a local collection agency but not heard anything since. I am over a year in arrears. Just stop paying they aren’t going to do anything .
  4. Something weird happened. I defaulted on all of these cards in January. MBNA has since disappeared from my credit record. The other two are still there.
  5. Quick update. Student loan letters have stopped, MBNA, BoS and Barclays still sending letters. No default notice yet.
  6. Good to know. My only regret is not doing this earlier. I'd be 3 years in to the 6 year credit report cutoff. I don't plan on returning to the UK anytime soon though.
  7. New update. Student loans were transferred to Transcom who called about 20 times over 4 months. I ignored the calls. New letter arrived about a month ago saying the debt had been transferred back to the SLC. They've been silent since. I also stopped paying all my CCs about 4 months ago. Total debt is around 30,000GBP. Getting letters from these 3 creditors every 2/3 days.
  8. Quick update. Let all my UK credit card companies know that I'd moved abroad - kept written confirmation from all of them of this. Student loans company managed to track me down to a new rental apartment (pretty sure my old landlord just gave them my forwarding address - probably the new tenants panicking over the red letters). So far they've sent about 4 letters with big scary red bars saying further action will be taken. They also call from Scotland occasionally - I know it's them because it's a withheld number. The left a voicemail once but they don't b
  9. I've let them all know now - will keep people informed as to what happens.
  10. Regarding the CCJ - they still think I'm in the UK - statements are going to my parents address. Should I tell them or keep shut?
  11. Thanks for the replies guys. A few questions regarding MBNA: 1. Is it better to get a CCJ or to tell them I'm in Canada so they can't? 2. I want the 6 year countdown to start ASAP, what's the best way to make that happen? 3. MBNA have a presence here in Canada, will they try and use their Canadian arm to reclaim a UK debt? Last question is theoretical. If I continue to make payments to MBNA for a few months but happen to build up debt on other cards - would this be any worse than simply defaulting on the one? I mean my credit record is goi
  12. I moved to Canada 2 years ago as a Permanent Resident and I've been paying the SLC for the last 18 months but now I've had a private loan recalled (father in law) and I can't make payments to him, MBNA UK (£10,000 on 0% credit card) and the SLC. I've decided to pay my family and MBNA but I want to know what damage the SLC can do to me. If not paying the SLC is going to ruin my credit then I'd rather lump it all in and default on the MBNA too so I can pay this private loan back quicker. If not I'm happy to pay. I get my citizenship next year and it's unlikely we will be returning to t
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