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About Me


Found 19 results

  1. Hello, Long story short: I was employee of a company which buys stock in euros. Due to the referendum and the GBP drop, our margin has sank and after a short recovery the company went bust and we have all been made redundant. Because I’m a Spanish national living in the UK (7 years now), I could well stay here with the so called “settled status” but my landlord has already told that he won’t renew my tenancy in February because he assumes that all EU nationals will be illegal and he doesn’t want trouble with the government. To be honest I’m quite fed up with all this uncertaint
  2. My daughter has moved to Spain in March 2018. She has notified PIP of her new address, will this affect her entitlement at present as we are still in the EU until next March, as I understand it when the beginings of leaving the EU begins?
  3. Guest

    Moving to Spain!

    Hi, I am moving to Spain next year but I have around £18k worth of old loans/credit cards which the creditors keep pursuing with letters and phone calls, these debts are around 15 years old and have been pasted from one tinpot company to another. My question is when I go and not bother telling these companies will they chase me? I also plan on taking out some store cards now for various things I will need when I move and making the monthly payments and then just stop when I go.
  4. Hi, just returned from Calpe in Spain and we were burgled in our Holiday Villa which was booked through a UK company. On our last but one day we locked all doors, windows and shutters and went out for 45 minutes, returned and all was OK outside, unlocked and went in and after about an hour noticed an iPad, watch, some jewellery was missing, our mobile phones were out on the sofa still there and nothing else was missing, all inside locks were still locked. Phoned the rep, whist waiting spoke to the one neighbour who said same thing happened last summer to a dutch family who had 600 Euro and a
  5. I suffer badly during the winter months due to rheumatoid arthritis, bad back and wonky right knee. At present I get the DLA middle care and higher mobility rate. My wife gets carer's allowance for me plus she gets the lower care element of PIP. We both get State Pension however I also get a Pension credit element. We are considering that maybe we would be better off living in a warmer climate like Spain however we cannot do this if we lose all our benefits. Can any one advise whether we would lose all benefits if moving to Spain? The other option is to go for 6 months and then retur
  6. Hi Daughter has a car on finance among many other debts.Just been passed over loads of debt letters from her old address including her car finance. She hasn't paid any payments for months and there is a Repossession Notice as well as a " nice, handwritten note" from a collection agent. I have her car gathering dust on my property.She owes about £8000 on it and it is now worth maybe £2000 - high mileage etc. I would not be adverse to offering them £1500 for it Would they be likely to accept this, or, am I putting myself at risk by getting involved? Any advice appreciated
  7. Hi I have been declared bankrupt you guys really, really, helped with that THANKYOU ONE AND ALL and I am rebuilding my credit now and getting on with our lives. I included most debts abroad etc in my bankruptcy and this ncluded a Spanish mortgage. The Spanish bank due to Spanish legal isses even witht he bankruptcy wrote off all the debt in recognition of the UK bankruptcy also the Insolvency service discharged our bankruptcy after 6 months and stated they would not be chasing any further the Spanish debt .They allowed me and the Spanish bank to agree to sign the property back to them in
  8. :oops:Hi, I've lived 6 months in Stevenage and had to leave the flat without receiving my deposit of £550 from my Estate Agents and having to pay a debt of £690 to the energy company. I paid £140 to the energy company and told the estate agents to pay the £550 with the deposit, so they will be sure that everything has been paid and I can be sure that they give my money (the flat was in perfect state after leaving). After almost 3 months of phone calls and emails to both the agents (who acted very vaguely and ignored me) and the energy company, which acted very kindly telling me that I wil
  9. I am a freelance web designer and unfortunately have run into a problem with a client. They do not want to pay my final installment as they are unhappy with the work: £1400 (I have already taken £200.00 for a part of functionality missing so it should be £1600). With this in mind I have told them I will be taking the website down unless they pay me the amount in line with my payment terms. They argue that I am holding the website hostage and are offering £500.00 and a discussion at a later date or the full amount and they will be taking me to the small claims court. I am a
  10. I owe £9700 to the Cooperative bank credit card (which I originally took out in around 1995 when i was living in the UK although I now live in Spain). A couple of years ago I lost my job. I carried on paying the debt back at the minimum payments as long as I could but eventually could not pay any longer (about £150 per month). Initially the co-op said as I did not have any extra income, I did not have to pay for 6 months and they would freeze the interest. However, after the time was up they sent me a letter (which I did not get in time due to the vagaries of t
  11. I am writing on behalf of my father, who is retired and unwell. He and my mother lived in Spain for a number of years, and took out a loan for what he thinks was about 1000-2000 Euros whilst they were there, which they serviced on a regular basis. My mother sadly passed away in 2001, and my father returned home to the UK. He thought all his business in Spain was concluded. Out of the blue, now, at least 10 YEARS later, he has received a letter from a solicitors in London (who also have an office in Spain) demanding he gets in touch with them before the 10th July.
  12. British insurance firms lodge complaints as holidaymakers in Spain are told to reclaim cost of health care from their insurer The European Commission is taking legal action against Spain after hospitals refused treatment to British holidaymakers carrying a European health insurance card (Ehic). Holidaymakers are advised to take an Ehic on their travels, giving them peace of mind that they will be entitled to free healthcare in public hospitals in any of the 27 EU member countries, as well as Iceland, Liechtenstein, Norway and Switzerland. While British travellers are not entitled
  13. What action can DRC`s take. I am resident in Spain for the last 10 years. As a pensioner I have limited resources and no assets except my house in joint names with little equity due to the property crash. No assets in england ( £20.00 in Bank and £10 PSB). I was paying £1 pm on debt of £4300 to MBNA(ex Alliance & Leicester) They have now reassigned this debt to a DRC. What can they do? I know they cant get a CCJ as I am out of Jurisdiction but can they try thru a Spanish court? If so they do have to use UK law? Otherwise I suppose they w
  14. Hi Just to summarise my situation I have debts back in the UK totalling about 30k, which is soon to get another healthy bump thanks to the reposession of my apartment. It´s a mix of a little tax, council tax, service charges, overdraft and a few other odds and... My mortgage, overdraft and one loan is all with HSBC. The od and loan are about 8k in total, the mortgage could be another issue so that one creditor will probably want about 23-30k when al said and done. Now I have a few options. First is the obvious run back to England and go bankrupt. But I wonder if they will
  15. Spain is to overhaul its stricken banking sector after European Union regulators approved restructuring plans, as nationalised Bankia said that it would cut 6,000 jobs and report a loss of around €19bn this year. Bankia, whose shares were suspended from trading on Wednesday by regulators, said that it would cut 6,000 jobs, or around 28pc of its staff, by 2015 as it tried to stem losses. The bank said it intended to return to profit in 2013, but warned that it expected to report a loss of €19bn this year. Bankia will also close 1,100 branches as part of the restructuring. Earlier, t
  16. despite claiming they only need the money to prop up a few banks, then why is the majority of the spanish population paying for the banks misfortune? http://www.bbc.co.uk/news/business-19763756 An independent audit of the banks confirmed on Friday that the banks are short of some 59bn euros, or almost 6% of Spanish GDP. This "hole" is the amount of capital that must be injected by the authorities to absorb the losses that the banks (especially regional savings banks) might suffer on all the loans they made to property developers and mortgage borrowers during the housing boom
  17. hi can anyone please help!!! myself, my partner, and 2 teenage boys (both under 16) have had to return to uk after living in spain for 7 years. (my partner 3 years). we are in the process of having our house in spain repossessed. in the last few months that we were there we were having to sell our possessions just to survive. in the end we had to sell the last of our furniture in order to be able to travel back to uk as we had nothing left to live on out there. we have now been back for 2 weeks and are staying with a friend. we have one room between the four of us. we applied fo
  18. Hi help needed please! I have received a visit from the Sheriffs Office (baiilff company) regarding community fees owing on a property in Spain (currently going through repossession).I have never refused to pay the fees and was actually making arrangements to clear the fees owed even though I was struggling financially, and started paying to a company called Community Fees (oddly enough), who are looking after the debt on behalf of the community in Spain. In March I was shocked to find that I had been sent court papers claiming that Kettlewell Solutions (another name for Community Fee
  19. http://www.bbc.co.uk/news/world-europe-18720587
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