NZ Citizen, Living in UK - Credit Corp Debt

[Williamsonr3]

Good Evening Guys,

 

I've posted here previously and received some fantastic help so I am hoping the same can be done again.

 

My partner has got herself into an interesting situation.

She is an NZ citizen who lived in Australia for three years (where we met), before moving to Scotland with me when my Australian VISA expired - 12/14.

 

 

When she left Australia, she left behind approx. $1500 worth of debt split between a credit card and a mobile contract.

At the time we didn't have the finances to worry about it as the move to Scotland was priority.

 

Since 12/14 she has had no communication from the credit card company,

and only one email from the mobile provider asking/seeking payment which was early last year.

 

 

However today we received a message from a family friend of ours in Australia advising that they had been contacted by a company looking to speak with my partner,

they claimed they needed to speak with her or her family about a personal matter

and wouldn't give any other details (apart from her fathers first name - which was weird).

 

 

From checking the forums and contact number I now understand this to be Credit Corp.

 

My questions to you brilliant people is

- they clearly have limited info on her whereabouts,

should we make contact with them and try and rectify the debt, or let it go away?

 

 

Her main concern is that she is on a 5 year VISA here in the UK,

after which she will apply for residency and we're not sure if that would affect it.

 

 

Can they pursue it in the UK?

 

I've read some of the previous threads on here however her case is a bit specific

and I'm looking for a clear answer.

 

 

Any help would be greatly appreciated. I

 

 

'm off to bed now (23:20, 3/5/16) however will be available to answer any questions tomorrow morning.

[dx100uk]

ok its debt avoidance in 'a' form

but my personal view is stuff 'em...

 

 

prob find most of the debts are interest and penalty charges

or exit fees or resulting contract monthlies that in all truth are not owed anyway.

[AndyOrch]

Following thread may be of interest...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?445372-Credit-Corp-chasing-Australian-debt&highlight=Credit+Corp

 

Andy

[unclebulgaria67]

Should not affect any UK visa. UK credit records only relate to the UK. I guess that they only look at how well she us managing to live in the UK.

 

I suspect that they have no clue where she is resident. For such a small debt, i would think it is not worth any debt collector like Credit Corp pursuing this outside of Australia. If the credit card terms allow any debt to be enforced outside of Australia, then a UK court would look at the debt. But i doubt any UK Solicitors would want to handle such a small debt, as it would not be worth it.

 

Tell the family friends that if Credit Corp call again that the person they are seeking is a Kiwi and is not a resident of Australia. That they do not currently have any way of contacting her. Credit Corp should stop phoning.

 

The debts will become statute barred under relevant limitations law at some point. Credit Corp appear to have a reputation of being an unprofessional bunch, who will even try to annoy third parties, to see if they can gain contact from a debtor. They will have checked public records to try to trace, which is probably why they knew her Fathers first name. Once the trail runs dry they will give up.

[Queens_king]

A UK credit reference check can be undertaken in the UK but ... The company making the request must have a registered address in the UK. For example ... HSBC Philippines can ask HSBC in the UK to credit check. Confirmed by the ICO

[Williamsonr3]

Guys - apologies for the delayed response. Thank you so much for your help - unclebulgaria67 she is managing fine in the UK, near perfect score so I am happy that if we just let it lie and make no formal contact we should be OK. From reading some other forums on here today I understand Credit Corp's reputation for harassment.

 

Once again guys thanks for putting my mind at ease.

[C b 1233566]

Hi guys am living in the uk with aus debt credit corp is chasing me but they don't no am in the uk they don't even have my address

 

They are only emailing me at the minute what should I do cheers

[dx100uk]

you need to start a new thread

of your own please