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Taormina

Whats next for us in NZ?

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Hi there,

 

I wanted to ask a quick question, about what you think might be the banks next step (if any), I have received a letter from them saying as their agents can not contact us here in NZ "the agent" (namely AIC) has handed the account back to the bank (this is a generated letter, I know as I received the same worded letter about my Cred Card in Feb).

 

Facts you should know;

 

We are permanent residents in NZ (and the bank knows this)

We have been here a 4 years

Our stat barred will happen in 4 years

The debt this letter refers to is for under 1400 GBP

The other letter which is INDENITICAL which we recived in Feb is for under 1900 GBP. (most of this is bloomin' interest which hacks me off no end - you know if it wasn't for the interest they kept putting on and bank charges for this I would have had it cleared!!!)

There is no CCJ and they cant get one

 

Anyway - I have advice from a law firm that said don't worry about it, and dont go looking for it - which I am not, but I like to make sure I keep abreast of things, I hate nasty surprises.

 

Ok thats it in a but shell!

Cheers

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You will probably get the odd DCA trying to convince you that they can enforce payment but in reality for that amount it is not viable for them to pursue through the NZ legal system particularly as they will be working blind in as much that they will not know even if they won a judgement whether they'd recoup the monies.

 

They will have bought the debt for between 7 & 10% of its value so do you think they'd spend x thousands trying to enforce? ;)


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just to say.. forget about it.

 

I did the same thing back in 2003... odd letter in 2003/4.. nothing since

 

Statute barred now.. so issue has now gone away.

nothing happened to my NZ credit score.. no one trying it on with Baycorp or anything like that

 

Now i have got hacked off with Thesis Student loans.. which i was deferring.. but the usual rubbish from that crowd..

 

So i have an old pre 1998 loan.. .. which if they say they havent had a deferrment from me.. only has another 5 yrs to go until its also SB.. so i am in the same boat as you.. and i'm not stressed..

 

If you get any computer generated threat o grams.. i find they are very good for lighting the fire at this time of year..:(

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LOL - thats funny!

 

I just like to double check - thanks for the info :D

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You will probably get the odd DCA trying to convince you that they can enforce payment but in reality for that amount it is not viable for them to pursue through the NZ legal system particularly as they will be working blind in as much that they will not know even if they won a judgement whether they'd recoup the monies.

 

They will have bought the debt for between 7 & 10% of its value so do you think they'd spend x thousands trying to enforce? ;)

 

This is very interesting - I had no idea DCA's purchased this debt at such deep discounts to face value. Taking the midpoint of your range (8.5%) - even a debt of 20,000 would be purchased at 1,700. Hardly worth the time and effort of chasing someone across the globe to get their investment back.

 

I wonder if these DCA's even know the debtor has left the country before buying the debts - I suspect not. I assume that "Bank A" just sells in bulk debts older than 90 days to "DCA B" on a regular basis. Only when the DCA tries to collect do they find out the debtor is overseas. I have to believe they give these a low priorty - given the complications of collecting - and spend their time focused on local debts.

 

I'm also thinking that those of us that are being chased for o/s debt can use the info to our advantage ... if we have reliable info that indicates DCA's buy this stuff at 10% or less, we could potentially make them an offer: "Look, I know you purchased this debt for at most 10% of face value. Given it'll be nearly impossible for you to collect the debt, I'll offer you your money back and pay you 10% of face value if you go away."

 

W

Edited by William415

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Debts are not sold as a single entity they're sold in portfolios of thousands at a time. In the majority of cases a DCA has no knowledge of the history of the debt other than the amount & they certainly receive no paperwork such as contracts etc.


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

 

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17 Port & Maritime Regiment RCT

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Interesting development..... The banks and the DCA's know exactly where we are (namely NZ), have done for 4 years and suddenly they are writing letters to my mums address. I got my mother to write on the envelopes "not known at this address". Should she write anything else?

 

Should we be worried that this is a dirty unhanded trick, suddenly writing to my mums?

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She could make a complaint to Trading Standards via Consumer Direct http://www.consumerdirect.gov.uk/contact

 

The creditors are aware of where you are & your mother has no involvement so should not be harassed by them.


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

 

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OOHH nasty cheating ****** banks and DCAs... Sneaky, sneaky, sneaky! I had a message from my mother today, saying a DCA had sent a letter to her home to say that the bank had sold our debt and the debt agency had taken us to court in our absence. This annoys me soo much, they know where we are and have done for THE ENTIRE 4 years!

 

So what shall I do next, I know I will have to get it checked and set aside... Can my mother do this for me without drawing attention to herself or is it best done from my corner of the world??

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so I have checked the register and there appears to be no judgment lodged...? What should I do next?

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What should I do next?
In a word nothing just wait for their next move.

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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If anyone wanted a chuckle.... We have a new player on the field (IQ0r)

 

Apparently they are going to arrange for a "door step collection" by a DEBT COLLECTOR to settle our long overdue debt. .... Think they completely missed the point that we are in NZ as they keep putting our post code at the bottom after addressing it to NZ! Idiots!

 

Guess they are wanting a holiday!

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If they had semtex for brains there wouldn't be enough to part their hair if it detonated. ;)


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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If they are continuing to threaten you in NZ via your parents you can get the address link broken on your credit report, and get your parentts to complain to Trading Standards, the OFT and Ministry of Justice, this last organisation is more pro-active in getting dodgy debt companies closed down, whether they are collections agencies or credit agencies.

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How can I get the link broken?

 

Thanks

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