Jump to content

Unsecured Loan/visa Card - Can I Be Chased For Debt??


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5013 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts



I am new to the forum and hope you are able to help me.


Having moved to France some 16 months ago & notifying my 2 debtors in the UK that I was unable to continue to make the payments.


I wonder if you know if they are able to enforce the debts?


I owe £1800 on my visa - I left UK owing £1200 but have incurred charges.

I owe £6,500 on my unsecured loan - this figure has not increased!


I have always made payments on time & wrote to them 9 months ago to advise I was unable to make the monthly payments. I offered a full & final settlement figure but it was refused by both parties.


In fact A & L who I have my loan with I contacted them before I stopped making payments to ask if I could pay it off via full & final settlement, I offered £3k (a family member offered to help), they said, because I had not yet defaulted on my loan, they would not accept the offer. They said I had to wait until I had received 2 x default notices and then action could be taken... I was shocked at that but I guess that's the law!


I really need help as to what to do next... I get constant letters, telephone calls at silly times of the day/weekend/night... and it's a nightmare!!


Obviously, because I no longer live in the UK I am now classed as a French Resident (but still a UK citizen)..


Some people say that for such a small amount owed I will be left alone, others say they will send the Bailiffs etc... I do own a house (joint with my husband), we just about manage to make the monthly payments & enough to live, but, none spare... both companies have had budget sheets!


Any advice, help offered would be great.





Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...