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Hi there,

 

I wonder if anyone can offer me some advice please. I am in debts to about 10 different UK companies totalling about 11000, the largest one being about 4000 pounds. All are either catalogues or unsecured personal loans of very high interest.

 

Now I live in the Netherlands, when I left the country I basically ran away from my debts, but they play on my mind a lot and I really want to sort them out.

 

I would really appreciate no negative comments on my actions, I know how bad it is, they are a result of being in an abusive relationship who basically used me in lots of ways - money being one of them. I've worked really hard all my life and I always made repayments while living in the UK, my ex however, never worked and had a drug problem. But anyway, I didn't have much choice in leaving them behind as I was still with him when we left.

 

But now, how do I go about getting on top of them? Where do I start? I'm not even sure I have the contact details of them all anymore. I'm paying off debts he incurred over here first so I'm not in a position to start repaying them yet but I will be in a few months time. I've been living here for a year and none of them seem to have found me yet. What happens if they find me before I get in touch with them?

 

Thanks in advance for any advice that can be given.

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I've been living here for a year and none of them seem to have found me yet. What happens if they find me before I get in touch with them?
Not a great deal they can do. These debts are of small value in the main so the majority of debt collectors/creditors are not going to invest a lot of time or money in trying to locate you.

 

Eventually the original creditors will sell the debts on to a debt collection company for a fraction of the face value. Personally I would do nothing until they contact you & then when they have proven a debt exists and they have the legal right to collect you could come to some repayment arrangement with 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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thanks a lot for your reply! hearing they are of small value in the main is also very reassuring, I"ve been worrying for a long time.

 

If I may ask one more question please, will they affect my credit rating here in NL?

 

Thanks once again

 

Not a great deal they can do. These debts are of small value in the main so the majority of debt collectors/creditors are not going to invest a lot of time or money in trying to locate you.

 

Eventually the original creditors will sell the debts on to a debt collection company for a fraction of the face value. Personally I would do nothing until they contact you & then when they have proven a debt exists and they have the legal right to collect you could come to some repayment arrangement with them.

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If I may ask one more question please, will they affect my credit rating here in NL?
No, a UK debt cannot be entered on a NL credit file.

 

They are unlikely to know that you are in the NL & your UK file will probably be marked as a 'gone away'. They may monitor your UK credit file to see whether there is any activity on it such as you applying for credit here, opening a bank a/c or opening a utilities a/c.

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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Ok, thank you very much for your quick responses - they are really appreciated.

 

I am repaying my UK student loan and they have my address here - so I guess there is a chance that they could find out my address - but they don't seem to have yet and the student loans company has had it for a while now.

 

You've really put my mind at ease about the situations, thanks again :)

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There's no reason for the SLC to share your information whilst it's being paid. It's only if you default on it and it's passed to a debt collection company that your address may be revealed.

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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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