Living in Scotland with a debt in Northern Ireland ?

[raptorman]

Not sure if this is the right place but I will ask anyway.

 

I live in Scotland now and have done for 5-6 years

 

 have a debt with the NIHE (NI Housing Executive ).

Is the debt enforceable between NI and Scotland ?

Is there anything they can do like bailiffs or sheriffs they can send to my home here in Scotland to collect on the debt or can they affect my current benefits ?

 

For reference I have been paying a small sum on a monthly basis but the total amount I wouldn't be able to clear for many years.

[dx100uk]

The Northern Ireland Housing Executive offer a range of services to people living in socially rented, privately rented and owner occupied accommodation.

 

so what did you attain from them please?

[raptorman]

The house we lived in was provided by NIHE and we rented it from them although we received some housing benefit from the NI government.

 

We were pushed into debt when they decided we weren't entitled to the housing benefit after they had been giving us it for approx 4 years and the debt is the repayment although we argued that because we had filled in all the forms correctly then the error was on their part but that's an argument for another day.

[dx100uk]

so bottom line is the debt rent arrears directly owed to them.

 

are you still paying them direct or via someone else and how much £PCM and what is today outstanding?

was this a voluntary agreement between you and them or it went legal?

 

dx

[raptorman]

I voluntarily agreed to pay a minimal £10 per month which they accepted via a payment card, nothing legal other than the initial letter saying we owed circa £4k. I don't have anything to show how much is still owing but I would hazard a guess it is around £3k.

[dx100uk]

So at least 5-6yrs since you've had any contact from them?

was the original offer done by letter and that address is the same today?

in other words they do have your current and correct address?

 

they cant enforce via anyone without a winning a court claim and of that attempt to do court you would be duly notified.

 

im toying with simply stopping payment and see what gives.

 

Answer my q's lets see cause all you are doing at present is running the sb date to infinity

[raptorman]

The original letter which demanded payment was addressed to my address in NI.

 

The most recent contact I had from them was a letter at the start of this year to ask me to restart payments as I had missed several due to my wife having cancer and the pandemic stuff, the letter threatened 'legal' action if I didn't .

 

I have made two payments since.

I generally do keep up with the payments but I know it will take many years to pay off. They do have my current address.

[dx100uk]

IMHO i'd stop paying 

it can't hurt you

have YOU ever directly replied, other than simply restarting payments?
 

they won't immediately resort to court

it's not a quick process in scotland anyway

 

when you get time scan up anything letterwise you have from them to one multipage PDF

read our upload guide carefully.

 

[raptorman]

Sorry for not responding sooner.

 

I have done nothing other than restart the minimum agreed payment of £10 per month.

 

I have searched and searched but have none of the original documents regarding this debt.

 

Thanks for the time and answers so far.

 

ps. not sure if this is related but today I received a letter from a DCA called INTRUM asking me if I 

wanted to pay off a debt which they said in their letter they were not able legally to take

me to court as the timeframe to collect had expired. I am working on scanning this letter to post here.

 

 

The letter from INTRUM today

 

I have redacted personal info and all reference numbers.

 

I did call them and asked what the original debt was but they refused to provide any info without me providing

my D.O.B. which I wasn't willing to do so I told the guy thanks but no thanks.

 

 

intrum.pdf

[dx100uk]

please stop ringing powerless dca's.

can you create a new topic for this intrum debt in the bank of scotland forum please.

 

as for this debt

On 22/03/2021 at 20:13, dx100uk said:

The Northern Ireland Housing Executive

send them an sar please

 

[raptorman]

I am genuinely not interested in the BOS debt as it is statute barred, my apologies for adding it here.

 

I will update once SAR is sent and responded to.

[dx100uk]

a debt being SB'd doesn't blanketly mean you totally ignore everyone if you are chased even if they state they will not be issuing court proceedings to enforce your debt. there are exceptions..

 

one being have you moved since taking this credit out with HBOS and have neither informed HBOS or latterly Intrum you have moved in writing?

 

if this were just about any other DCA other than Intrum (ex- 1st credit - with a proven track record and known to pull amazing stunts to trick debtors) - i'd agree with you . but if the above statement is true , they could equally send another letter (quite legally) to your old address retracting their statement and thus issuing a backdoor court claim.

 

never ever ever trust a DCA, nail them in their box firmly, for the sake of one stamp, once the above is answered , it's worth it.