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  1. Hi, i'm looking for some advice on where I stand with regards to a vehicle purchased at a online Copart Auction please. The vehicle was advertised as Unrecorded and in the additional information stated that it was an import, it has never been UK registered, additional charges may apply to register in the UK and it's history cannot be guaranteed. There was no mention of where the vehicle was imported from, so was extremely difficult to trace back any history. I purchased the vehicle believing it to be a UK car, it was right hand drive and sold through a UK company. It was only
  2. Hi there, I'm currently struggling to pay off $AU 7k debt that is owed to an Australian bank, which has now been sold to a Debt Collection Agency in Oz. T hey tried to find out where I was living by contacting my ex partner and have tracked me down in the UK. They said they will forward this to their overseas affiliates Stevensdrake. I received a couple of letters from SD, the last one stating 'in the absence of any response we are instructed to commence legal proceedings against you. Court costs and interest will become payable (where applicable) in addition to th
  3. A strain of influenza which hit Australia and affected 98,000 people, is set to come to Britain and could case our worst epidemic for fifty years. Will it or wont it.I am taking no chances how about you. The vulnerable groups include the over-65s, pregnant women, children from six to 24 months and those with long-term *illness such as *diabetes, heart disease and asthma. https://www.unilad.co.uk/health/deadly-flu-outbreak-in-uk-expected-to-kill-thousands/ Well i have not much time this morning to hang around. I am nipping off sharpish to the vets to have my Flu Inject
  4. Legal rights when dealing with debt collectors For more information : - Australian Competition and Consumer Commission Australia - Dealing with Debt and Fair Practices.pdf Before Printing the PDF TIP If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following: Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out). Note: This will save you Ink & Paper
  5. Hi guys, I have been reading the forums and the amount of helpful information on here is amazing. I am hoping to get some advice about my situation. I am an Australian Citizen but recent UK resident and I am having some issues with a DCA at the moment called Credit Corp. Essentially they are chasing me for a 10k personal loan, that I wasn't be able to pay. I haven't made payments in the last 9 months to 1 year so I am assuming the bank very recently sold it on to them. They have called me at my place of work in the UK to identify me. I did not want them to call me at
  6. Hi There I have followed a number of the threads on this forum, and hope you will forgive me posting this. I am just absolutely terrified about my current situation and the legal implications (if any). I would highly value any help members could provide. My situation: I was on a six figure salary with my previous employer who, a few days ago, informed me that they would be closing with immediate effect. Unfortunately, I have just gone and taken out a couple of loans (about five weeks ago) to help fund a new car and decorate my mum's house for her 80th birthday, and have accru
  7. Hi guys, I was referred here by a colleague because you were helpful to him. I was living with a friend up until recently. He has moved to Australia (15th September he left). Since his departure we have received many letters from various companies, but I have no idea of their names. The envelopes are blank, with nothing but his name and a return PO Box address on them. This morning we received a hand delivered letter, which is the calling card of debt collectors I am lead to believe. Again I don't know the company involved. I have spoken to said housemate about this, and he
  8. hi everyone, this is my first post, although i've been a member for about 2 years. i find this site phenomenally helpful. this is the issue i have. my wife and i are moving to Oz with our two kids. we're going on a student visa (subclass 572), she's studying and i'm working, so we won't be "residents" at first. we hope to gain residency in the future, probably around 5 years away. the problem is i'm in a debt management plan at the moment, all the debt is in my name, around £33k. most of the debts are with collectors now, here they are and who they're with:- 1 Halif
  9. Hi all, First time post. I've read through all of the posts and the advice is extremely valuable. However, I have a very specific question about how debts are tracked when living abroad. I have the following debts here in the UK: Credit card 1: £2,500 Credit card 2: £5,500 Overdraft: £3,000 Student loan: £8,000 (post 1998) Long story short, I had an overdraft of £500 about 6 years ago. I went to work with a family member who promised much but delivered nothing and also didn't pay me a wage. Ultimately, I fell into debt, which I have managed to maintain and not defa
  10. Hi, I am an Australian/British citizen (Dual Nationality) and I have lived in the UK for the past 11 years. Unfortunately I have made poor choices whilst I have been here and I am in debt. I have been paying a DMP for the past 2 years and I have roughly £9,500 in total left to pay to various creditors. I have to move back to Australia in about 3 months time due to my parents ill health and this move will be permanent and I have no intention of returning to the UK. I would like some advice on if I will be chased for this debt in Australia if I just leave without
  11. Hi everyone I have just discovered this forum and I have a few questions. You will have to excuse my ignorance I am afraid as I am guilty of burying my head under the sand with regards to my debts, so I may ask some stupid questions. Just over 6 years ago I had a number of debts, probably totalling around £12k, on various credit cards, an overdraft and a personal loan. I was young and silly and as my boyfriend of 5 years had a rubbish credit rating, I took loans out for both of us in my name, which he swore he would help pay back after we split, which as
  12. Hi Everyone, I really need some sound advice so please If anyone can help ! I feel helpless, embarrassed and ashamed that I have moved to Australia leaving debts behind in the uk. I have buried my head in the sand hoping they will go away but im at a loss what to do know. I have been in oz nearly 12 months, I have just received a phone call from a company who track people down debts. I put the phone down on them when they asked for me, and I have since pulled the cord out. I feel sick with worry, the questions that keep buzzing around my head are :- 1. Can I forced to pay my UK debt
  13. Hi, firstly I am not proud of my situation, in fact I am highly embarrassed but none the less it's my situation and I need some help in how to deal with it correctly please. I left the UK five years ago with two credit card debts totalling 7000pound (combined). Over the last 4 1/2 years I have been paying the minimum amount. The Companies have my address and phone number in Australia - I was not trying to hide from my debt which is now around 5000pound combined over the two cards. Six months ago my situation changed and I was not able to continue payments without slipping into
  14. Hi, I have a 12,000 AUD credit card debt in Australia while I was leaving the country back in 2006. I was making regular payments for 2 years but did not pay anything after I left. Ever since I left the country I have not heard a word from the bank or any other authority. However, now I need to apply for another visa for another country and I need a police clearance certificate from Australia National Police. Although this is not a criminal offence, I want to know what will be the outcome of my police clearance? I am hearing that the case can be forwarded to the police and can
  15. I'd be really grateful for any advice. I'm currently living in Australia but am returning to the UK in about 7 weeks. Recently, I had an incident with a hire car and am now being pursued for $30k by the hire company as they believe I was outside T&Cs. I'll keep all that short as it's not really relevant but I strongly dispute the fact that they wrote off the car and also that I am outside the T&Cs. However, they are not being very cooperative in terms of discussing and I fear that I will be leaving the country before any agreement is found. I'm trying to understand the range o
  16. Hi Guys, I have a credit card debt between $1000 to $1500 with an Australian bank and I will be leaving Australia in a few months. I am an International Student here and can't afford to pay it off before I move back to Asia. I will not be coming back to Australia. Will the bank try to come after me over a $1500 debt? If i don't pay, could there be a criminal case against me in an Australian court ? Also, could this debt affect me in any way getting any visas for EU or US in the future. Thanks.
  17. Hi Guys i have 1 slc loan and an honors student loan from 97,98,99. I am in Ozzy and am now an Australian Citizen. no UK family, income , address or bank I have always filled in my deferment paperwork and been deferred every year until now . Hence my user name USELESS PIECE OF PAPER - never used it and ended up earning similar money to before i had a 'degree'. I own a home here due to a partner who has high earnings and we have totally separate finances . I already pay a large amount of my salary to a mortgage and credit card debt. So they refused my referral ,
  18. I have over $30,000 in credit debt-and have been paying $1000 a month of which only $200 goes to principle. The finance charge is low on credit portion, but they are charging me another interest payment for the cash advance portion of debt so a total of over $800 in interest. I am no longer a resident and hve been denied my recent renewal as I have no property and work overseas. I am a dual EU and SA citizen and am married to a US citizen who owns a home in US, though I only am out of the US much of the year due to work. I have no savings and this is half my current total debt
  19. Hi guys, I have been reading over these threads with much interest over the past week. My situation as follows and any tips, help greatly appreciated. I have 2 alleged debts in Oz,16 000 au, last contact with original creditor "which bank"was feb 2007. Alleged total of debts by Credit Corp in 2013 is 25000au. They only contacted me about one debt then, they tried to bring the other into the conversation many weeks later.I have not heard from credit corp for 4 years, until now, I have been in the UK since March 2006. Credit corp has entered a county court claim through Stevens drake
  20. Good evening all I hope I don't get burned on here, just looking for some honest advice... my life is in a real mess at the moment and not sure if I can keep going... I have some UK debt that I have been servicing from Australia and cannot keep it up as the rising cost of living is pushing me to the edge... The UK debt is in the tune of 14,000 GBP and I'm not sure what to do... I have had to stop the Direct debit from my UK Bank before my UK Bank freezes everything. No one in the UK financial institutes have my address and I am not sure whether to contact these people now I have st
  21. Hi all Great resources and posts here, you've helped many people, hope you keep up the excellent work. First off - apologies - I've deep dived into the forum as much as I possibly could over the last couple of days but it is vast! I couldn't see anything matching my situation exactly. I also hope this is the right place to post - it was a toss up between overseas debt and student loans. I am a "Pom" living in Australia - emigrated about 10 years ago. Up until about 18 months ago I was a fairly good (if a little reluctant ;-)) Student Loans Company "patron", filling out my income
  22. Hi everyone, hope i have posted in the correct area ! i have been searching these forums for many months but keep reading conflicting information. I am emigrating to AUSTRALIA in June 2013 ,cant let this opportunity go by ! My story is i have had 2 operations in 6 months and have been on the floor ,never thought this would happen to me as i am the only bread winner in the family ! I have basically defaulted on 2 credit cards £4000 and £2000 ,now i really dont like running away from my commitments but i am now in a low paid job and cant see any way out !!!!!! What i would like to know is ar
  23. Hello, I'm new to this sight but have been reading several posts and would like to put my situation to you (developed over many years which I am ashamed of). I have a DMP with the CCCS for debts around £67000 unsecured and have been successfully paying off my plan to date. I've had this DMP since 2009. I moved to Australia just over a year ago without telling the CCCS (had a job opportunity and was afraid they wouldn't let me go - in retrospect I should have told them!), and now my review is due - in fact a little late. If I tell them I am now in Australia, which I think I should d
  24. 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 st
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