Advice / Where to start - UK debts

[cerberusalert]

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.

[cerberusalert]

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.

[cerberusalert]

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.