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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Now living overseas and bing chased for debt from the uk


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Hi, I would be very grateful if someone could offer me some advice.

 

I was in a lot of financial trouble about 18 months ago and I decided to have a fresh start and left the UK and the debts behind.

 

I owed roughly 20k and had no way of paying it back.

 

I now reside in Dubai and have received a letter from an international debt recovery company called AIC who are saying that debts have been transferred to them and that they are going to chase me for them.

 

I still have no way of paying this money back and am really worried that it is going to upset everything.

 

I would like to declare myself bankrupt in the UK as I have no plans to return and this seems like the only option.

 

Is a debt accrued in the UK enforceable in Dubai and would making myself bankrupt stop them?

 

Is it possible to make myself bankrupt from overseas?

I lived in Scotland beofore I moved so Scottish law would apply.

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The debt is only enforceable under UK law, not international law, AFAIK. So I would be very interested to see how they plan to enforce this.

 

That said, I feel I need to say, debt avoidance is not condoned on this forum, and I feel that what you have done is morally wrong. Morally speaking, you should be repaying this debt.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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OK......my own feeling is that they wouldn't legally be able to enforce the debts as you are in Dubai....

 

If it was me i'd send each of them this by recorded delivery....

 

Letter 'N' from here....enclose £1 for each request....(not sure if you can enclose Dirham !!! ??) - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Do you know if there are a siginificant amount of excessive charges that have been added to the accounts ?

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The debt is only enforceable under UK law, not international law, AFAIK. So I would be very interested to see how they plan to enforce this.

That said, I feel I need to say, debt avoidance is not condoned on this forum, and I feel that what you have done is morally wrong. Morally speaking, you should be repaying this debt.

 

 

I agree and I respect your opinion on this.

 

I have basically made a mess of things and moving away from it all and a fresh start seemed like the only option.

 

I wish I had never obtained credit as I clearly can`t manage debts or be trusted with money :(

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OK......my own feeling is that they wouldn't legally be able to enforce the debts as you are in Dubai....

 

If it was me i'd send each of them this by recorded delivery....

 

Letter 'N' from here....enclose £1 for each request....(not sure if you can enclose Dirham !!! ??) - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Do you know if there are a siginificant amount of excessive charges that have been added to the accounts ?

 

 

Do you mean send this to the loan companies or the debt recovery company?

 

The companies haven`t sent me any correspondence or account statements for over a year now so I have no idea about charges.

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Are we comparing morals with those of the companies profiting out of finacial misery. I do not think anybody on this forum should be passing judgement on someone elses morals. None of us are in a position to know how this debt became unaffordable. I for one have no problem with avoiding by all methods available, paying money being claimed by DCA's who of course also have no Morals.

 

Regards

Bigandy

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Bigandy - I wasnt aware that two wrongs made a right.

 

I am fully allowed to judge when debt avoidance has taken place - it results in increased costs for ME, in fees and(ever more frequently) tax.

 

Moreover, this forum has taken an OFFICIAL line time and again to state that they do NOT condone debt avoidance.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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That said, sandy, I respect the fact that you acknowledge this :) was fully expecting some massive tirade about lenders etc.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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42man - I disagree.

 

To be a credible "action group", how can a member of the site team say that? It is important as an action group to show that your policies and thoughts are based upon the unfairness of the other party, and based upon reasonable thought processes and actions.

 

I have seen mentioned on a number of occasions this kind of action, and almost always the thread has been locked, with an accompanying note from a mod stating "we do not condone debt avoidance". Why should this be any different?

 

42 and also OP - please note I have no personal issue with either of you - I appreciate that for you OP whats done is done, and you have done what you felt you had to. 42man, I understand why you say what you say. I just feel that this needs to be unaninmous front by you guys, as it is clearly an issue that the banks would love to get hold of to throw back at you.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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42man - I disagree.

 

To be a credible "action group", how can a member of the site team say that? It is important as an action group to show that your policies and thoughts are based upon the unfairness of the other party, and based upon reasonable thought processes and actions.

 

I have seen mentioned on a number of occasions this kind of action, and almost always the thread has been locked, with an accompanying note from a mod stating "we do not condone debt avoidance". Why should this be any different?

 

42 and also OP - please note I have no personal issue with either of you - I appreciate that for you OP whats done is done, and you have done what you felt you had to. 42man, I understand why you say what you say. I just feel that this needs to be unaninmous front by you guys, as it is clearly an issue that the banks would love to get hold of to throw back at you.

 

 

 

I understand the points you are making but please note that I am simply looking for answers to the following questions;

 

Can I make myself bankrupt whilst living overseas?

Would this stop international debt recovery companies from chasing me?

Is a debt accrued in the UK enforceable in Dubai?

 

I am not asking to be judged or to discuss the moral implications of the whole thing. I know what I have done is wrong.

 

Thanks

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Thats fine Sandy - sorry, that was not aimed at you, just at the runners of the site so to speak :)

 

My opinion is that the answer to all three of the questions is a resounding NO. But that is only my opinion.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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That depends on your viewpoint mexico.

 

I think that moralities do not matter to the outcome, but still very much do matter. Especially as this is a pressure group that pretty much wholly relies on immoral activities carried out by banks.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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  • 2 months later...

Sandy, you probably CAN be responsible.

As suggested by 42man, (list all debts that you can, determine the latest owner and address) send CCA and wait. This equals a fight back, fire with fire-style...you may not need to go down the bankruptcy route, although as mentioned that may not be an option unless you return to the UK to be present for at least some of the Bankruptcy process. You can however legally take them to task and request that they 'prove' the debt, and have answers to this within a short space of time.

 

Immoral - or unethical - or dishonest???

Debt is debt, we take it out, pay it back...worth a mention here >!>?!?

 

The degrees, methods whereby and extent to which we are charged, penalised, and personally harrassed I guess are where the ethical and moral questionableness arises in this forum...unless you 'morally' disagree with 'credit' as a function. Participating in a consumer credit forum to argue the morality of 'credit' per se is redundant, I think...

 

Announcing one's views on debt-evasion is no doubt an individually respected right...'preaching' those views I think becomes somewhat abusive of the right, within the context of the forum.

 

Yes, it's law in the end, an ass, and/or what you can make of it.

 

Preaching my views on preaching is outside the scope of this Thread, Topic and Forum...I'm off to Consumer Preaching Rights!:wink:

J2020

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Hi, I would be very grateful if someone could offer me some advice.

 

I was in a lot of financial trouble about 18 months ago and I decided to have a fresh start and left the UK and the debts behind.

 

I owed roughly 20k and had no way of paying it back.

 

I now reside in Dubai and have received a letter from an international debt recovery company called AIC who are saying that debts have been transferred to them and that they are going to chase me for them.

 

I still have no way of paying this money back and am really worried that it is going to upset everything.

 

I would like to declare myself bankrupt in the UK as I have no plans to return and this seems like the only option.

 

Is a debt accrued in the UK enforceable in Dubai and would making myself bankrupt stop them?

 

Is it possible to make myself bankrupt from overseas?

I lived in Scotland beofore I moved so Scottish law would apply.

 

Bankruptcy will be open to you provided you petition the High Court with 3 years of leaving the UK.

 

s.141 of CCA '74 for unsecured credit clearly states that jurisdiction is UK county courts or the High Court. The contract is regulated by UK law and isn't worth the paper it's written on to a court outside the UK, regardless of what DCA's and others may try to make you believe. Rule Britannia??.....that stops at Dover, at the moment.

 

However, if a CCJ existed before you left the UK it may be possible for the original creditor (not a third party purchaser) to get it enforced overseas. This will become much easier in 2009 if you are within the EU.

 

As a very general rule, if there is no CCJ already in existence you won't have a great deal to worry about as the costs are prohibitive on an unsecured debt. If a CCJ does exist, then you should check up on local enforcement law, particularly if you are within the EU.

Edited by dannyboy660

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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