I would be grateful if someone could advise me what my next step is as I am being chased by Credit Corps for an outstanding St George Credit Card. I left Australia in December 2007 and my husband (now estranged) was supposed to continue payment in this credit card and two other loans. He has since done a disappearing act and has not paid off loans. I was first contacted in Oct 2011 by letter at my work (I was still using my married name which is very unusual and easy to trace.) I ignored the letter but they then sent me an email which I responded to say that acknowledged the loan (A stupid thing to do now I have read the forum posts!) but was trying to find my husband who I felt was jointly liable for the loans (although they are in my name). I agreed to call them but then never did. In the email they sent a Notice of Assignment of the debt. I have since been sticking my head in the sand, until I recieved an email from them saying that I needed to pay in full or arrange a payment plan or they will pass my case on to a UK debt collection agency. Again I stupidly acknowledge to debt in an email but asked for time to resolve the matter. They have insisted that I respond to them by Friday or they will pass the matter on and therefore substantially increase the amount I owe. I am about to change jobs and therefore email address and as far as I know they don't have my address or telephone number. I don't have any assets and live with my parents, so paying the debt in full is out of the questions. I worry that if I pay the debt in monthly payments and then the other creditors chase my I will be overwhelmed. Should I ignore the emails, declare myself bankrupt in the UK stating all loans outstanding, ask Credit Corps for further documentation or start to pay of the money. Any advice would be very much welcome as I don't want to make anymore mistakes in dealing with this.

Hi, I went to uni 1998-2001. In that time I used loans from SLC. In 2002 I moved to Australia ad every year provided SLC with my financial info and contact detail. I moved again in 2011 and emailed SLC with my new contact details. my auntie received a phone call from Transcom looking for me - I have no idea why they contacted her as I have never given my aunties details. SLC must not have got my new address details and passed my debt over to transcom. I have never started paying my debt back as I became a mum and have not worked since I finished uni. I have always intended to pay my debt as soon as my kids start at school and I gain employment. I'm worried what it means that transcom now have my debt. Can anyone please explain this to me. thank you.