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Left UK with debt and move to Asia

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Hi everyone, I am new to this forum and really looking for some help with my issue with debt.

 

I am a non-resident in UK and now return to my home in Asia

have a debt owing in the UK (1500 pounds before interest added),

one is payday 300 pounds (I repaid once but I did not have any money afterwards for repayment) and

one is the bank HSBC 1200 pounds (overdraft).

 

I left UK 2 years ago

didn't have any telephone contact or address left.

 

 

I only rented a place for living before.

Even though they keep sending the email, I don't have a bank account or money for the repayment.

 

However, about 4 days ago, I received another email saying there's a debt collector is going to follow my case.

I actually disabled the email before I left as well. (it's a transfer service)

I don't think I will return to UK but may visit UK as a tourist next year.

 

I know I have to repay my debts but I really have no extra money in my pocket and no bank account in UK for transfer.

Will I be in trouble or will the debt collect take action on me please?

 

Thanks for your help.

 

Oh also.. I have a HSBC account where I am living now too.. Will the HSBC in UK find out and get me here please?

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Your HSBC account is the biggest concern for you.

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Visiting the K will affect nothing being in debt is no a crime.

 

HSBC could given time I guess trace you to Asia via the accounts and pursue you there.


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But how should I pay to HSBC in UK and recover the overdraft when I don't have a bank account in UK anymore?

 

 

I know I am such an idiot with leaving the debt behind for so long and really would like to start my new life again without any debts...

 

should I repay the payday loan as well?

I knew they are the vampires...

I am too scared if I have to pay over 4500% interest for every month

(It's almost 24 months since my last payment to payday was made...)

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But how should I pay to HSBC in UK and recover the overdraft when I don't have a bank account in UK anymore? I know I am such an idiot with leaving the debt behind for so long and really would like to start my new life again without any debts...

 

So should I repay the payday loan as well? I knew they are the vampires... I am too scared if I have to pay over 4500% interest for every month (It's almost 24 months since my last payment to payday was made...)

 

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Who was it with?


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PDL are my speciality here... Mainly ^__^

Who was it with?

 

It was payday UK (as I remembered).

About 2 years ago, they suddenly gave me a call and asked for details bla bla bla...

'How to get some money today' was in my brain at that moment..

I was being trapped within this mess.

I don't think they can take any money out from my account anymore because it reached the limit of overdraft from HSBC (that's why I was in another trouble).

 

I was too scary and didn't know what to do by that time so I left UK.

 

The thing is... I am living abroad with no UK bank account at all.

( I couldn't access to my HSBC online bank after few months..)

 

I seriously don't know what to do now..

. I am scared they will find me here as I don't want my family being disturbed..

 

At the same time, I wish there's a way to pay them back..

 

Arr.. just one more thing.

.. I don't have the contact from payday uk with me anymore.

..I keep searching today online and try to find a solution of paying the debts back but couldn't find anything helpful.

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Arr.. just one more thing... I don't have the contact from payday uk with me anymore...I keep searching today online and try to find a solution of paying the debts back but couldn't find anything helpful.

 

Stop worrying about these debts. They will only be an issue, if you decided to become resident in the UK again. The debts are purely in the UK and it would not be very easy to enforce these outside of the UK.

 

As has been said, debts are a civil issue only and are not in any way a criminal issue. Don't feel too sorry for the bank and loan company, as they would have used the loss against tax liability. Plus they will sell on the debt at some point to a UK debt collection agency. When any bank or loan company loans anyone any money, they factor in that a percentage of loans will never be repaid.


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Whilst CAG doesn't condone debt avoidance, I rather suspect you are worrying unnecessarily.

 

You were renting property in the UK, so any mail that goes to that address, will either be returned to sender or if you left a forwarding address, someone might redirect the mail.

 

I doubt very much HSBC are putting any effort into matching account openings in Asia with account closures in the UK - they will almost certainly offload the debt to a DCA who will make attempts to recover the debt, but when faced with the fact that you are no longer contactable will eventually give up.

 

You say you have received email - I would either ignore it or advise them that you are now no longer living in the UK - Who was the email from, HSBC or the PDL ?

 

Unless you are planning to return to the UK anytime soon, then I think you should get on with your life.


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I didn't give any new address after I removed from UK and all telephone contact, including landline or mobile has been cut already.

I knew they kept calling because there's over 100 messages left on the mobile.

 

There are 2 emails I received

- one is from a debt collector agency saying they gave my case to another debt collector agency.

 

 

Another one is from the new debt collector agency which gives me a link saying

"if you would like to reduce the debt now, click here"

Of course, I didn't click any link from those emails.

So I assumed they are from PDL.

 

I don't think I will return to UK in next at least 10 years time.

Thank you very much for your advice.

 

Thank you very much for your advice.

Actually I almost forgot the mess I left in UK until I received an email from the debt collection last Friday.

 

 

As I tried very hard to build my life again in these 2 years and I just noticed this nightmare is back.

 

 

I am really worrying that the HSBC UK will find out I have a local HSBC account and my family will be threaten by the debt collector here.

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Do you have to stay with the local HSBC Bank? move on to another one?


:mad2::-x:jaw::sad:

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Do you have to stay with the local HSBC Bank? move on to another one?

 

It's a long story

... I have this local HSBC account since I was a child and actually my mum is helping me handling this account.

 

 

After I moved back, what I do every month is working and get paid into this account then transfer 3 quarters of my earning to my parents.

 

 

The remaining balance is only enough for my basic living..

If I opened another bank account then my parents will definitely find out my mess.

 

 

I really cannot let them heartbreak again as there was another sad story before I left UK and that was the reason I got into these troubles...

 

Do you have to stay with the local HSBC Bank? move on to another one?

 

If I am living alone then I think I can control my financial situation but I couldn't afford to move out from my family because I only have a quarter of my earning each month (which is like £400).

 

 

I try to save every penny I am having and just would like to start my life again :/ I seriously don't know what I should do T^T

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I would not worry too much. HSBC is a massive bank and they have enough to do without chasing people around the world about a UK debt. All the will do is pass it on to a debt collection agency who will try to trace you in the UK, as they will only look at UK records. If they were told where you were living abroad, they might then contact you to see whether you wanted to pay anything. But they won't take it any further.

 

If I were in your situation, I would ignore any communications about these debt and get on with my life. Only if you received any court papers from your local Asian court should you then deal with it, but that is pretty unlikely.


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Here's my old thread (I forgot my previous register details so I created a new account)

 

/showthread.php?398275-Left-UK-with-debt-and-move-to-Asia

 

When I thought I can have my debt time barred if they couldn't contact me for likely 2 more years, then a bomb dropped

 

...There's a debt collector letter mailed to my sister address yesterday!

 

My sister applied for a credit card recently

the bank requested the living address for previous 5 years.

 

she gave them 1 address that I lived together with her 4 years ago.

Then the problem occurred

 

. We have the same middle name and surname

 

. I don't know how the debt collector works but they sent a debt collector letter with the middle name and surname only.

 

My sister never has a bank account with HSBC and never in debt.

 

(after my lesson...)They are now requesting her to pay off the debt within 10 days or there is further recovery action.

 

What should I do now please?

 

Because of the same middle and surname,

I think it's hard to let the debt collector stay away from my sister at all...

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Simple answer. Tell them they have the wrong person and that the FCA are being notified.

 

THey know they have the wron person but they dont care. They just want to get their grubby hands on money,

 

Which DCA is it.


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Thank you for your reply.

 

It's Wescot. They sent 2 letters already. 1 letter states as 'we found you'. 1 letter says they represent HSBC... My concern is the Payday loan. I don't know how much interest they would add on top of it if they think they find me.

 

I tried to search if I have the CCJ. But the website keeps saying - wrong address...

 

I am now really worrying if it will affect my sister's credit report. She just got her permanent citizenship and trying to get her mortgage done. Her score is 997 at the moment.

 

As I known, even if I am going to pay now, they will put this in the credit report for 2 years. What if they put this record into my sister's credit report instead. I really don't mind if they said my score is 0...

Edited by yooyooyoo123

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Here's my old thread (I forgot my previous register details so I created a new account)

 

/showthread.php?398275-Left-UK-with-debt-and-move-to-Asia

 

When I thought I can have my debt time barred if they couldn't contact me for likely 2 more years, then a bomb dropped...There's a debt collector letter mailed to my sister address yesterday!

 

My sister applied for a credit card recently and the bank requested the living address for previous 5 years. So she gave them 1 address that I lived together with her 4 years ago. Then the problem occurred. We have the same middle name and surname. I don't know how the debt collector works but they sent a debt collector letter with the middle name and surname only. My sister never has a bank account with HSBC and never in debt. (after my lesson...)They are now requesting her to pay off the debt within 10 days or there is further recovery action.

 

What should I do now please? Because of the same middle and surname, I think it's hard to let the debt collector stay away from my sister at all...

 

Quite easy for your Sister to resolve. She just writes back saying that they have traced the wrong person, as she has never had any account with HSBC. If she advises them of her full name and suggests they check with HSBC, they should check this and stop writing.

 

If they continue writing to her, she should make a formal complaint in writing and can if necessary involve the FOS.

 

This should not worry you. Have you written to HSBC to tell them you were not in the UK ?

 

Thank you for your reply.

 

It's Wescot. They sent 2 letters already. 1 letter states as 'we found you'. 1 letter says they represent HSBC... My concern is the Payday loan. I don't know how much interest they would add on top of it if they think they find me.

 

I tried to search if I have the CCJ. But the website keeps saying - wrong address...

 

I am now really worrying if it will affect my sister's credit report. She just got her permanent citizenship and trying to get her mortgage done. Her score is 997 at the moment.

 

As I known, even if I am going to pay now, they will put this in the credit report for 2 years. What if they put this record into my sister's credit report instead. I really don't mind if they said my score is 0...

 

Won't affect your Sister, as they should only be looking at your credit record. The reason your Sister came up on the records search, is that the address was matched for the same period. Therefore they have sent a letter to this new address, thinking that the debtor has moved to this new address.


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I didn't leave any details when I left UK. Never written to HSBC or anyone about my new address. I am quite surprise they will use my sister's details to track me down though.

 

I lived with my sister for 2 years before I left (like 4 years ago). And that address has been using for the Payday loan and it's my last address with HSBC.

 

Then I left UK and my sister moved on with her life. She only gave Barclays that address when she applied for her credit card few months ago. I guessed the DCA thought my sister were me because we have the same middle name and surname.

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I live in SE Asia. Be aware that HSBC will chase you in Asia. Thier HQ is in Singapore and after reading a few post on a local help forum they will take you to court under English and Welsh law. Can't guarantee the help forum is 100% though

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I didn't leave any details when I left UK. Never written to HSBC or anyone about my new address. I am quite surprise they will use my sister's details to track me down though.

 

They should not access your Sisters data, as they don't have any consent to do that. I think what happens is that when searching under your data record, is that a match has come up for a person at the same address, who has moved to a new address. Under your record they then think it is possible you have moved to this new address. You have never written to HSBC to advise them you have moved to Asia.

 

Your Sister should wrote back as advised. You might also wish to think about writing to HSBC registering that you are now based in Asia. They can write to you in Asia chasing the debt, but it is pretty unlikely you will ever be taken to court in Asia relating to a UK debt. If you don't write to HSBC, at some point it is possible that a UK debt owner could obtain a UK court judgement using your last known UK address. It depends on whether you are bothered about a UK court judgement, as you have UK assets or intend coming back to the UK. Whilst it is possible to transfer a UK court judgement to Asia, it is very unlikely.


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Thanks for your advice. I am going to pay back HSBC soon or later this year even I have no asset or intent going back to the UK. If I write directly to HSBC now, will they add up all the interest/charges though :/

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Thanks for your advice. I am going to pay back HSBC soon or later this year even I have no asset or intent going back to the UK. If I write directly to HSBC now, will they add up all the interest/charges though :/

 

HSBC will have been adding interest and charges, so the debt will be more than what you left behind.

 

Up to you whether you write to HSBC and obtain details from them. You might be able to settle the debt for a reduced full and final settlement amount, which could be less than the original debt amount. Quite often creditors will accept a reduced settlement, particularly when the debtor has gone abroad making it very difficult to enforce the debt.


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Oh ok. My other concern is - what if I settled the HSBC this time, will the payday track me down? In fact, I forgot how much I owned them . I only remembered I paid one installment before I left. I even forgot how much I borrowed. Maybe around 300.

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Oh ok. My other concern is - what if I settled the HSBC this time, will the payday track me down? In fact, I forgot how much I owned them . I only remembered I paid one installment before I left. I even forgot how much I borrowed. Maybe around 300.

 

Pretty unlikely. Creditors don't seem to like noting foreign addresses on credit records, therefore the payday loan debt owner won't know your Asian address.

 

What appears to happen with Payday loans is that the Payday loan company does not bother chasing after a short period. The debt is simply passed on or sold for a DCA to chase. They are probably still writing to your old address, but might write to your Sisters address if they find it through the same searches


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Great help! I will wait then :) I can run but I can't hide. Time to pay back all my debts. At least, I am capable of paying now.

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Why?

Ignore them

Stuff all they can do to you or anyone else


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