Jump to content
  • Tweets

  • Posts

    • And with 33% equity nobody will care either.
    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
    • I haven't had a chance to read through his contract yet but he is insisting that it says of he leaves his position within 2 years he will have to pay back his course fees. I will read it properly though and get back to you  Thanks for your help so far 
    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

NCO Europe - will they chase me in Australia??

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4028 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello all,


So glad I found this site. I am absolutely terrified that debt I left in the UK will contact me here. My husband knows nothing about it and it would kill our marriage for him to find out.


Basically, I owed about 2K on 2 different cards. Egg and MBNA. I then moved to Australia.


I emailed the companies to tell them I was having difficulty and that I could not pay and that I would not have a contact address for them to contact me.


I have since found out that a debt collection company has called on my neighbours, my mum AND HER NEIGHBOURS TOO!! I then got an email from NCO Europe asking me to call them.


I know it was wrong, but i have just ignored all this hoping it would just go away. I have been in Australia for 6 months now.


I have just had another email from NCO Europe but the email address is international@NCOeurope So I am worried that they know I am in Australia (prob from a neighbour) and my fear is that they will find me and blow the whistle with my husband.


I have just replied to the email saying I live abroad, am not aware of any UK debt and that any further contact from them will be regarded as harrassment and reported to trading standards and ultimatley the police. Do you think I have done the right thing? And do you think that they would chase me in Australia for the debt?


I really hope that somebody will be able to give me some advice on this one.


Thank you,


Share this post

Link to post
Share on other sites

Hi there,

Have been through something similar with a larger amount, much closer to home (Netherlands). Basically they can and most probably will chase you if they can find your address, so I would suggest you don’t give it to them no matter what. The worst that can happen really is they pass it on to a Australian debt collector who will no doubt send you dire threats(if they get your address and country of residence) such as bankrupcy, loss of citizenship and anything else nasty they can think of. The thing is that its all threats with no substance. I have yet to find a case of anyone, anywhere in the world who has been taken to court in a foreign country for an unsecured UK debt. The main reason being, as I found out when facing down a Dutch DCA was that they can only take you to court to enforce a judgement already made in the UK. The problem is that to get a CCJ in England and Wales they need an address in England a Wales to serve papers. Now a crafty DCA in England may try and get a default judgement on a previous address, which is what they tried on me, even though they knew my Dutch address. However even if they did this, it would be too expensive to realistically do and there’s no guarantee of success in a foreign court, leaving the foreign debt collector significantly out of pocket and no way of getting that money back.

My advice would be to sit tight, do nothing and it will eventually go away. In terms of contacting your neighbours, parents, and their neighbours, complain to the OFT and the local trading standards in the UK about their behaviour which breaks the OFT’s guidelines. They won’t do anything, however if enough people complain they may do something in the future.

In my case I invited them by letter to take me to court in the Netherlands so we could settle this matter once and for all. This was 1 and a half years ago. I am still awaiting a response.

Share this post

Link to post
Share on other sites

I suggest you also check out the Ex-pat Focus forums Expat Focus - Forums - Expat Issues (scroll down for country specific forums) - Personal Finance (scroll down for country specific forums) - Personal Finance is a very common topic of discussion & they should be able to answer all your questions from their own experiences.

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

Share this post

Link to post
Share on other sites

Thank you. I have had a look on the forums and yes, they are very helpful. I suppose its a case of just waiting to see what they do next now. I only hope they dont try to contact my husband through is job, which would be easy to trace if the neighbours have passed on any info.


Thank you so much for your replies,


Katy xx

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...