been paying 7yrs on Virgin and Barclaycard UK debts - been in Romania 7yrs now

[ROM 66]

Hi All

This is my first post, I came across this website yesterday and wanted a little advice.

 

I have 2 credit card debts in England Virgin money Approx 11K and Barclaycard Approx 3K,

I have been paying the minimum payment for a very long time on these cards.

 

The Virgin card was at a 0% deal until my DD to them went unpaid by the bank due to insufficient funds (missed my payment into the bank by 1 day),

now they have refused to put me back on the 0% because of this unpaid amount, which I paid them over the phone the following week when I found out it had not been paid.

Now the minimum payment has increased by a further 200 quid per month, which will be hard to pay.

 

I have lived in Romania for the last 7 years, I have a house here and do not intend to return to the UK to live.

The cards are registered at my mothers address but in my name and they don't have the details of my address in Romania.

 

My question is

should I inform them of my address in Romania?

Then if I get into trouble with these cards they can not issue a CCJ against me in England, would they chase me in Romania to get this money back?

 

I also don't really want the DCA turning up at my mothers address.

 

Any advice would be great

 

Thanks

[dx100uk]

then you need to update all your creditors with your correct address.

 

shame you blindly paid all these years.

effectively there is nothing anyone can do to you.

 

 

 

[ROM 66]

So if I default on any of these payments they will not come after me? Do I inform them in writing or via email?

 

Oh and thanks for the response

[dx100uk]

I would think that over all the years since your move and previous payments..

and in relation to p'haps you switched old debt around that had interest to a 0% int card{s}

you've probably paid the debts off several times over already by making the min payment for 7yrs anyway.

 

original creditors in the UK dont do court

they sell debts on to DCA's

 

DCA's are not BAILIFFS

and have 

ZERO legal powers.

 

they have even less powers in foriegn countries.

 

your only poss worry are issues with your mum being harrassed.

thats why updating each creditor or the owner of you debt with your correct and current address

might be a worthy thought here.

 

 

 

 

 

 

 

 

[ROM 66]

dx100uk thank you so much, I will call them all today. I also have an apartment in Bulgaria and residency there, I hardly ever go and the place is empty. I'm thinking I could give them this address instead of my Romanian one just to be on the safe side, or would this be fraudulent?

[dx100uk]

why not simply email 

[ROM 66]

Any thoughts on which address? Bulgarian apartment or Romanian house ?