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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 work again due to the fact that all calls are recorded and listened to by my boss and I work in quite a small company and I have direct contact daily with the CEO and managing director so I dont want this to cause problems. I have a few questions around privacy concerns and also am wanting some advice around what to do. I am not in a financial position to pay the debt at the moment and I am quite sure I will not be returning to Australia within the foreseeable future to live there. I don't want to skip out on this debt, but I am also not in a position to meet their demands or pay much money as most of my salary is eaten up by high living costs here. They have told me they expect me to pay £750-£1000 a fortnight, this is 4x what I was paying on the loan originally, and to be honest even if I could afford this I am debating if it is worth paying to this company. They have made out like the bank is saying that I have to pay this much, when further research shows that they buy debt for pennies on the dollar, so they are trying to make money off of it. I have had 2 discussions with the DCA, one telling me to pay a lump settlement and one about structuring payments. A few concerns I have at this stage around privacy and coercion are as follows : I believe the DCA found my employment details on Facebook as I made this viewable to friends and friends of friends a few days ago, however I don't add people I do not know, so I am concerned about how they have found this information, and if it is through Facebook if they are making fake profiles etc, as I know from a limited amount of research this is not ethical and possibly not legal. Is there a way for me to find out how they got this information? The DCA rep also asked for my address in the UK and I advised I didn't want to give it to them, they advised me this is required by law. I do not believe this is correct. Can someone please verify this? I have given a past address for now, and if it is required I can tell them I have moved and give them my new address. If this is a lie, then essentially what can I/should I do about this? Can I complain, or use this to assist me in getting them to stop contacting me? My main concern at this point is legal ramifications, which from what I have read for the amount of money I owe I should be fairly ok as they probably won't do much apart from make threats. I am only on a short visa, but I believe the company I work for will be able to assist me in obtaining a work permit and then eventually I will be able to get residency and a UK passport. This is a fairly recent debt, so they still have a long time to chase it before statute of limitations set in, do you guys think it may cause me legal issues down the track or that if they sell it to a UK debt collection agency that this will cause problems with UK credit? I don't have any credit at the moment, but this may be something that I need to look into further on down the track if I settle here. I am also worried they won't stop coming for me for the next 5-6 years at least, which would be frustrating and stressful, I guess feeling like I'm looking over my shoulder waiting for the harassment. My main concern is that they will keep harassing me and calling me at work, as letters emails and personal calls are easier to deal with. I have read on the ACCC website that if I write to them and ask them to stop all contact that they will only be able to send court orders etc. and only in writing. Is this accurate? Or will they continue to hound me, as this is the indication I am getting from other people's posts on here. If this is the case would it be better to ask them to contact me by email or post only? If they don't oblige I am gathering I can complain to the ACCC either way, which should help stop them for a little while atleast. I am assuming if I do this they will get their UK attorneys to send me threatening letters and start calling me, again from posts of people in similar situations on this forum. Any advice you can give me would be much appreciated. My main focus at the moment is just getting rid of them for the moment, and then looking into the legal ramifications and options and making a plan from there rather than being pressured into someone who is trying to meet their KPI target for the month and lying to me to get my money. Thanks to all the people that have posted similar situations, it's already been a massive help in easing my mind and helping me not stress about this situation so I can get it resolved one way or the other.
Hi everyone, I have been living in the Netherlands since December 2011. I recently accepted a new job here, with a financial services auditing company. The company has global reach but my role will be based here in Netherlands. My credit here is perfect as far as I know - I have credit cards and mobile phone and an overdraft, and always pay / have paid on time. I also now have a mortgage. But I think I have o/s defaults and CCJs in UK that I have not yet got around to paying - I mean to pay them when I am settled and more secure. I know my employer has to conduct a background check on me. What I'm worried about is... can they conduct a Netherlands and a UK credit check? I am worried that if they do conduct a UK check, I may be adversely affected, and my offer withdrawn, due to the CCJ/ defaults, even though I have been an exemplary credit payer here. I'm from Ireland originally but lived for a long time in Shrewsbury where I think the CCJ/ default are registered. I'd love to know the rules around global credit checks and the likelihood of them being conducted, if anyone knows? Thanks SO much in advance - this forum has been so useful for browsing in the past, and I hope to be able to reciprocate the help to people in time. Thanks DC78
Hi guys, as i've seen there is a lot on this website about mercer and how to/not to deal with them, but i'm in a slightly different situation and i was hoping some one could give mke some advice. I'll explain my situation first and apologies if it is long winded. I am currently living in Vietnam and have so for the last year and a half. I have an outstanding credit card bill with Barclays and have not paid any payments for 5-6 months. My last registered address and contact number was my parents house, which is where i lived before leaving England. I did contact barclays, several months before and told them that i now longer lived at that address but obviously they are still contacting it as it's my last known address. My mother has recently contacted me saying that she has received many phone calls and letters from Mercer and that she wants to pay them something to make them stop. I have told her not to pay them anything and just to tell them that i don't live there and haven't done for a year and a half, and that the only way she is in contact with me is via email. I have no plans to return to England but I don't want debt collectors turning up at my parents house as this would be upsetting for them, also my mother is worried they will 'black list' her house and it will effect her credit. I can't believe this is true as all debt are in my name and nothing to do with them. Can anyone clarify this for me?? Also any advice on what to do would be very much appreciated. Many thanks
Hi there, First time post, i have searched the forums and although i have found similar threads there is nothing that quite suits my situation. Apologies if i have missed a thread. My situation is that my parents have received a county court claim form from Capquest regarding a debt from an RBS credit card that I had 10 years ago. I initially had forgotton completely about it but having looked through my records I have found that I made a payment to a different debt collector (Wescott) in Oct 2005. This must be the debt they are talking about. It is around £350. Having read through the forums I believe that not enough time has gone by for the debt to be written off due to the limitation act in England. As the last payment I made was in Oct 05 i understand that it could possibly be written off due to the Prescription and Limitation (Scotland) Act 1973. I have spent most of my time living in Scotland apart from a year and a half in England in 2005/2006. However, and here comes the bit that has me a bit stumped, I moved to China in Aug 2008. My father scanned me the claim form and as they had been on holiday i only had a day to make up my mind what to do, i have submitted an AOS online saying i am disputing all, i hope that was the right thing to do but I thought as it was nearly 14 days i needed to do something quickly. I spoke to a representative of Capquest and they said I should just pay up but couldn't actually give me the details of the original debt! I also spoke to RBS who have no record either. My questions are : 1. As i am living in China, is there anything they can actually do? If not how do i make sure that a CCJ is not recorded on my credit record? 2. Am i able to write of the debt as it is over 5 years and i had been living in Scotland before i moved to China? 3. Do i need to speak to the court regarding my situation as i got the distinct impression from our phone call that Capquest just want the money? If anyone could help me or point me in the right direction I would be very grateful, if there is another thread which has the answers apologies again. Thank you!! G