Jump to content


AnnaR.

Credit card debt question, moved out of UK to my orginal EU Country

style="text-align:center;"> Please note that this topic has not had any new posts for the last 324 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have 2 credit cards, both with Capital One, (£1.500 and £500), which I had been paying my due fees to every month, until recently, as I moved out of the UK to my original EU country.

 

For the first couple of months I still continued to pay however things are not going well here and I've found myself with no money to pay the monthly fees. So I started paying £5 each month per card.

 

I want to continue doing so, as I think that would not make things worse for me if at least they see I want to continue paying even if it's just a small amount. I don't know if that makes any difference, but I hope it does, because right now that's what I can afford.

 

The problem I have is right before I left, almost six months ago, I closed both my bank accounts in the UK, as I thought it would be better to not have any open accounts.

 

I continued paying the £5 using a debit card from an online bank I opened when I moved here, a bank which is based in Germany. I had no problems paying, I always did it oline via their Capital One online form.

 

Unfortunately after a few months the online bank emailed me saying I neded to let them know whether I'm a resident in two countries or not, as they'd noticed I was making regular payments to somewhere in the UK.

 

I got a bit scared by this so I decided not to reply and to just never use the account or card again.

 

For the past couple of months I've been searching for a way to pay with another card, I've purchased a couple of prepaid debit cards which have been rejected by CapOne when attempting to pay online. I suspect it's the fact that, when asked for the address and postcode of the card, I put my old UK info and of course that doesn't match with the Spanish address I had to give to be able to register the prepaid debit card. But when I used to pay with the online bank debit card I also put the UK address and the payments went through anyway?

 

So my question would be, if I put my spanish address in the Cap.One online payment page, would they be able to see that I'm paying with a card with a spanish billing address?

 

I'm trying to avoid them knowing I moved out of the UK because I don't want them to know where I live now and have them harassing me here. They're already making phone calls to my UK mobile phone several times a day, sending multiple emails, and I suppose many letters may have arrived at my former UK address.

 

Thanks.

Edited by AnnaR.

Share this post


Link to post
Share on other sites

DO you ever intend on moving back to the UK? If not, personally id stop paying anything.

  • Confused 1

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

Share this post


Link to post
Share on other sites

No, I don't intend to move back to live in the UK again. I may want to visit sometime, but never move back.

 

Thanks for the reply renegadeimp. So you think if I just stop paying altogether, they won't bother chasing me?

Share this post


Link to post
Share on other sites

Shouldnt of kept paying.

Morally ok but totally pointless

 

 

Silly idea to worry about them knowing where you are too

  • Confused 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
No, I don't intend to move back to live in the UK again. I may want to visit sometime, but never move back.

 

Thanks for the reply renegadeimp. So you think if I just stop paying altogether, they won't bother chasing me?

 

I moved abroad, no one bothered chasing me, even when I moved back they didn't bother chasing me. Every country has a separate Experian / Equifax, if you are not coming back to live in the UK,paying them is a waste of your hard earned money.

  • Confused 1

Share this post


Link to post
Share on other sites

Thanks London1971, you've given me great relief.

Share this post


Link to post
Share on other sites
Shouldnt of kept paying.

Morally ok but totally pointless

 

Silly idea to worry about them knowing where you are too

 

Thank you, feeling a bit silly now

Share this post


Link to post
Share on other sites

I can help this person but worried that it may be classed as advertising. If so please delete

 

Try [removed - dx] They are an open borders bank/remittance company. You may find on opening the Web page it looks American but it is a world wide service. It is authorised by the FCA in the UK

 

[removed - dx]

Edited by dx100uk
transferwise.com
  • Confused 1

Share this post


Link to post
Share on other sites

It is advertising and you know it is. There Is no need to go to any site


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...