unpaid loan in the UK

[Allentracey]

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

[BRIGADIER2JCS]

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.

[Allentracey]

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.

[BRIGADIER2JCS]

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.

[Allentracey]

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

[BRIGADIER2JCS]

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.

[Allentracey]

you are making me worried .... i will ask you like this

 

can this matter become criminal offense at all ? yes or no

 

if yes why ?

[ims21]

No it can't

[Allentracey]

may i get more explanation why it cant?

 

and can UK CCJ or debt be acknowledged in other EU countries ??

 

can you help with answer if you know ?

[BRIGADIER2JCS]

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!

[renegadeimp]

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.

[Allentracey]

you are right but this it still not criminal offense ??

 

i am more worried about that .... my debt will become criminal offense

[ims21]

Debt is not a criminal offence.

[Allentracey]

i am planning to move to europe that why i am asking

 

i heard from my friend UK can put this is schengen information system is that true ? as criminal offense

[renegadeimp]

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.

[Allentracey]

i hope this is the case

 

i want to apply for EU family visa and i dont want this to cause any problem to my family

[citizenB]

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.

[Allentracey]

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 ?

[ims21]

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

 

No

[Allentracey]

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

[citizenB]

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.

[marmaris30]

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.

[sequenci]

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.

[renegadeimp]

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.

[Allentracey]

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 ?