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    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
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    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
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    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
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unpaid loan in the UK


Allentracey
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in 2004 I left UK with unpaid personal loan around 8000GBP, Credit card 2000GBP i paid only one installment

I was resident in the UK.

 

How do I find out out if an arrest warrant has been issued against me due to this unpaid loan?

 

can ccj become as an arrest warrant against me ?

 

i am traveling to Europe can UK issue an arrest warrant and record it in the EU system because of this loan?

 

Also, what are the chances of being detained at the airport coming into the UK?

 

any expert in such cases

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Hi Welcome to CAG.

 

Debt is not a criminal offence in the UK, therefore there cannot be an arrest warrant or any detention at an airport.

 

The only scenario that could involve any such action would if you had a criminal judgement made against you in your absence.

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hi ...Brigadier2jcs

 

may i know what do u mean by

 

 

The only scenario that could involve any such action would if you had a criminal judgement made against you in your absence.

 

Debt is not a criminal matter so no warrants for arrest in general, the only vague possibility of being challenged on entry to the UK would be an outstanding criminal warrant.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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you are saying there will be no arrest warrant for my debt in the UK ......but why should i get criminal judgment ??

 

i didnt do any criminal offense in my life

 

Just explaining how things work very simply.

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Yes it can happen A European Enforcement Order could be sought. BUT this goes back to 2004 so the matter is STATUTE BARRED in the UK no court action can be taken!

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In short nothing can happen to you. The things brig was talking about was seperate from your issue.

 

You could be £100000 in debt in the uk and nothing will happen to you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Please read the advice you have been given. The advice given is correct. Stop listening to your friends who obviously have no clue what they are talking about.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Debt in the UK is NOT a criminal offence, it cannot suddenly become a criminal offence.

 

If you took these loans/credit cards out in 2004 and have paid nothing since - they have become statute barred. Whilst the debt doesn't disappear, it cannot be collected though the courts.

 

It doesn't matter where you travel a UK creditor will not be able to bring a criminal case against you.

 

Although if you were to return to the UK and tried to borrow money from the same bank, they might have a flag that will prevent you from doing so.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Please read the advice you have been given. The advice given is correct. Stop listening to your friends who obviously have no clue what they are talking about.

 

i paid only one installment of my debt would that make any difference ?

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Debt in the UK is NOT a criminal offence, it cannot suddenly become a criminal offence.

 

If you took these loans/credit cards out in 2004 and have paid nothing since - they have become statute barred. Whilst the debt doesn't disappear, it cannot be collected though the courts.

 

It doesn't matter where you travel a UK creditor will not be able to bring a criminal case against you.

 

Although if you were to return to the UK and tried to borrow money from the same bank, they might have a flag that will prevent you from doing so.

 

thanks for your time and reply

 

i paid one installment only would that make any difference .....i check on the net some threads say 3 months you should have paid???

 

can you reply to this please

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Allentracey, you are going round in circles, asking the same question and receiving the same reply. Please read post # 17.

 

You will not be receiving any different responses.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It's very simple: being in debt is not a criminal offence in the UK or anywhere else in the EU. This is not Saudi Arabia and you cannot be arrested or imprisoned here just for being in debt to a bank. This is even true for most debts to the government.

 

It is true that CCJs obtained in the UK can be enforced in the European Union, but the creditor has to apply for a European Enforcement Order and cannot do this without knowing where you are, so this is extremely unlikely.

 

In VERY rare circumstances, a creditor with a CCJ can apply for the debtor to be summoned to Court to provide financial information, or to respond to a bankruptcy petition. Even in this case, the papers must be served on you in person (which the creditor cannot do without knowing where you live) and you cannot be arrested unless there is proof that you have received the order. Banks almost never use this because of the risk of bad publicity.

 

Before you apply for your visa, check on the Insolvency Service website that you have not been made bankrupt in your absence. It is unlikely but if you did come to live in the UK, it would cause you problems.

 

Don't ask any more questions unless they are new ones.

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Hello there.

 

Being in debt like this stopped being an offence in Victorian times. 1869 to be precise.

 

Being absolutely frank, given the age of the debt and when you left the UK I feel there is very, very little that you have to be worried about.

 

Best wishes,

 

Seq.

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One thing to mention, we dont know the reasons why you took out a loan, maxed out a cc and left the country. But should you come back, make sure that if you take out any credit over here, you maintain payments. Otherwise you will gain a poor credit history and may find yourself in financial difficulty.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It's very simple: being in debt is not a criminal offence in the UK or anywhere else in the EU. This is not Saudi Arabia and you cannot be arrested or imprisoned here just for being in debt to a bank. This is even true for most debts to the government.

 

It is true that CCJs obtained in the UK can be enforced in the European Union, but the creditor has to apply for a European Enforcement Order and cannot do this without knowing where you are, so this is extremely unlikely.

 

In VERY rare circumstances, a creditor with a CCJ can apply for the debtor to be summoned to Court to provide financial information, or to respond to a bankruptcy petition. Even in this case, the papers must be served on you in person (which the creditor cannot do without knowing where you live) and you cannot be arrested unless there is proof that you have received the order. Banks almost never use this because of the risk of bad publicity.

 

Before you apply for your visa, check on the Insolvency Service website that you have not been made bankrupt in your absence. It is unlikely but if you did come to live in the UK, it would cause you problems.

 

Don't ask any more questions unless they are new ones.

 

 

can you explain this to me which i have no info about it

 

Before you apply for your visa, check on the Insolvency Service website that you have not been made bankrupt in your absence. It is unlikely but if you did come to live in the UK, it would cause you problems.

 

one more question

 

what about my visa application to EU ?? any problem might wait for me ?

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