4 years ago I paid for storage for a car I was working on. It was £100 a month for secure storage and I could work on the car there. To cut a very long story as short as possible: the arrangement from the beginning was strange and I had a feeling it was heading in a bad direction but I didn't have a lot of options. I did sign some basic paperwork about what I would pay to keep it there and insure it myself etc. but I think I left that in the car and I don't have it now. After 10 months I moved abroad to Hungary but wanted to keep the car there while trying to sell it and my friend had a key to access and help me to sell it. Around this time the owner of the storage facility emailed me to say the car had been moved to a different part of the facility, I replied to acknowledge that. It became apparent that it was impossible to sell the car in it's current state for the money I wanted but I could have sold it for less. I was considering my options and I tried to contact the owner of the storage facility to see what I could do, maybe offer the car as payment for what I owed so far (at that point I owed about £900 but he wanted the next years money upfront too. I couldn't get hold of him, left phone messages and sent emails (to same address he had emailed me on). This was around this time in 2011 (2 years ago) and I made several more attempts up until April 2012 to make contact but had no response. By this time I just assumed the car was worth a couple of thousand, that's probably less than the owner was after so I just wrote off the car in my head, thinking he would sell the car to get his money. I still have my UK mobile phone for various reasons and today I received a phone call from the owner of the storage facility saying I owe him six grand! And he is taking it to a solicitor if I don't pay and I believe him. He said the car has now been left to the elements for 2 years and is worth maybe £800. He wanted me to email him saying he could take ownership of the car and give a forwarding address because I am guessing there is a chance some mail got returned to him that he sent to my old UK address (a rented house I lived in for a year or 2 until 2010). I emailed him but I didn't give any address, I just stated that I had tried to contact him and he had made no effort to contact me until now, despite the fact he clearly had my phone number (because he called me on it today) and he had my email address that he emailed me to say he was moving the car in September 2011. I did a little research and found out they can't get a CCJ if I am not resident in the UK and if they get one using my old address I can get it overturned. However I am in the EU and the rest is rather vague on what his solicitor can do. What should I do? Can they chase me for this money? I am more than broke, I am living with friends and recently couldn't afford to come back to the UK for a funeral which was devastating. I can't afford my own solicitor to fight this. I don't know what to do. Part of me just thinks they don't know where I am so they won't get far and would they want to try that hard for £6k they won't get? But part of me is worried this will catch up with me and with interest and charges I will owe £10k+. Or if they try to send me bankrupt? Help.

I am looking for any advice regarding my debt issues. I left the UK almost 5 years ago to Live in Aus. On leaving I paid back all debts except a bank loan which I continued to repay for nearly 18 months. Due to financial stress I had no option but to use UK credit cards to pay for food, fees etc. I still managed to make repayments for these for about 18 months. In short I owe approx. 20k GB before any interest is added. I have never until last week received any correspondence regarding the non payment of this debt here in Aus. I was aware that a letter or 2 had been sent to my in laws house addressed chasing the money. These were returned to sender stating that I did not and have never lived at that address. Things have taken a real turn for the worse. My Mother in law died recently. Letters are still being sent to her most recently by Ruthbridge, now threatening court action, bailiffs etc. I have read how Ruthbridge use these scare tactics to illicit a response from the debtor. However the mail is now being opened by Brother in laws etc who in the midst of compiling accounts for probate are now scared that this will effect the execution of the will and think that the Bailiffs will be entitled to seize goods in my mother in laws house and even make claim the house itself. I wish to do the right thing by my family - all of which knew previously of our debt but had never been personally involved until now. What do I do? Selfishly I cant afford to or want to repay the debt. If there is no option to then I will. But being in a different country I am stuck as to what the best course of action should be for my immediate family on Aus and my extended family in UK. Any advise would be most helpful

SUMMARY: I have an overdraft from HSBC from my student days but relocated to the US 8 years ago. The account was closed in March 2009 after having gone delinquent. HSBC has engaged a firm called “Bluestone Law” which it appears to use to chase debts abroad. I want to know what I should do about the debt. DETAIL: I had an interest-free overdraft agreement with HSBC and a student loan for a post grad degree. Working and being paid in the US, I would transfer back enough money once a year to cover the whole year’s payments to my student loan. When calculating how much I would need to transfer, I would factor in the amount of the overdraft. Unfortunately, as soon as the overdraft was entered again (approximately half way through the year), HSBC shut down it down and additional loan repayments caused an unauthorized overdraft. The account then spiraled as a result of unauthorized overdraft interest expense and fees. I was not aware of this for a few months as the bank was sending statements to my UK address and I was not checking online. HSBC approved some of the initial student loan payments, charged fees and interest, resulting in the balance of approximately 2300 pounds---the amount that Bluestone Law is now pursuing. I asked for a statement of the account. Bluestone provided the past five years. The earliest entry already showed a 1600 pound debt. I requested to see the statement history for the entire debt, but Bluestone told me that HSBC only kept 5 year’s history and didn't have access to anything earlier. ADDITIONAL INFORMATION: 1. I settled on the student loan (approx 20,000) for 50% of the outstanding balance back in 2010. HSBC used the same firm/individual as they did before. 2. Unfortunately, I was paying in a nominal 25 pounds a month from another bank account in order to show “activity”. I assume this means that the statute of limitations runs right up to the close date in March 2009. 3. I provided an offer to settle on the overdraft a couple of months ago and provided an expenditure and income report. The offer was for 35% and was rejected. 4. I am a legal permanent resident of the US and have been so since June 2012. QUESTIONS: 1. What is the process that Bluestone can pursue? Do they have to get a court judgment in the UK? If so, is the court judgment valid in the US (specifically New York State)? 2. Can it directly get a court judgment against me in the US? 3. Can the debt be reported on my US credit reports? 4. What information should I request? Credit agreement? Full statement etc? 5. What should my next steps be? Thank you so much in advance!

I live in New Zealand but for some years maintained a legacy UK bank account/ loan facility in the UK with First Direct just in case. Around three years ago I used 9,000 GBP in an emergency (handling my brother's accidental death in South Africa). I then paid some off each month with the interest clicking up. 18 months ago FD decided that it didn't like me having the facility and I happily converted it into a loan account and paid 250 GBP each month but had to do this through a currency transaction manually every month with the associated costs. I missed a payment and immediately started getting hassling phone calls and threatening letters - so I decided that I would wait and see what happens because FD are a UK bank and I have no need of a good credit rating there as I have no intention of ever returning to live in the UK. I have now received a letter from Metropolitan that states 'Failure to contact us could result in your account being referred to debt collection agent in the country in which you now reside who may call on you to collect payment'. Should I be worried about this? The outstanding debt is 6160 GBP. At the moment I have no intention of contacting MCS or talking with them on the telephone but are they a. entitled to chase the debt here in New Zealand and b. likely to chase the debt in New Zealand

Hi All, Back in 2009 i fell for one of those companies who claimed to remove all outstanding debts legally. I need not to go into that detail as we all know what happened to those companies and now i am left with original debt + charges with a default in my name which i want to settle in legally appropriate manner. This debt amount is separate from almost 4K i paid to ClearyourdebtUK for that purpose. Anyway i have two cards now with outstanding balance which i would like to pay off, one is barclaycard and other is Eggcard (i have paid a third MBNA card with short settlement few months ago). I have moved overseas since late 2009 although i started receiving letters from lenders by that time but no default was registered at the time i left UK. Can someone please advise me what will be the best course of action to approach these lenders although according to letters they have been sending to my address in UK, debt has been forwarded to some debt collectors(Andrew Munn and Wescot/Mercers). Also is there any kind of action i can take against clearyourdebtuk although at present my priority is to sort out the credit cards first. Your help will be much appreciated. Thanks

Looking for some advice / information, my wife and I emigrated to New Zealand one year ago, leaving behind some debt which we have been making regular monthly payments. I have in my name 4 credit card debts totalling £12000 split quite evenly over the 4 cards. My wife has a Lloyds personnel loan for £6000 and a credit card for £6000. We are currently coming to the Point where we cannot meet the monthly repayments. I have read on the Internet just walking away is a option as they are unable or unwilling to pursue the debt in NZ. The problem is my wife is a solicitor and so if they declare her bankrupt she would be unable to practice law in NZ. Does anyone think if we said to the various companies we can't keep this up, we want the interest stopped and we want the monthly repayments lowered as we are in NZ they would give in and accept it. Any advice or help would be greatly appreciated

Hello, I have been outside the UK since early 2003. I have been in Latin America. However had several outstanding balances that I couldn't afford to pay and left it as that. I know since my departure there has been several times that Bailiffs did send letters to my mother's address in the UK, but she basically returned their mail. I know I have 2 CCJ's before I left the UK, and I am certain I may have some more right now, looking at all the other responses I would like to understand what can the DCA's do in this regard. I read something about 6 years or more, but can someone clarify this that a debt cannot be enforced as such after those years have passed. Also that I have never been in communications with any of the companies that I was in debt with since 2003. I am more than scared of returning back to the UK, as perhaps I may be arrested on the spot at the time of entry due to the CCJ. I just wish to visit my family there. Can anyone help...Thank you so much!