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Defaulting when living abroad


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Hi all,

 

I'll try and summarise this mess briefly.

 

I have approximately £45,000 in credit card debt from the UK. I moved abroad a number of years ago (outside of EU). Up until now I was making minimum repayments, and had never missed a payment. It's got to a point where I can no longer continue making the payments, and I never told them of my address change (the address listed is my last UK address, which is my parent's home).

 

I was using one of the cards with money available to pay off the other minimum payments using Revolut, and now of course i've run out of money. I have no spare money available, nor anyone that can help, so I believe my only choice of action is to stop paying. My CC accounts are with Lloyds Group, Tesco & HSBC.

 

From asking a different forum, my understanding is that if I do not intend to make payments I should cancel the direct debits first of all, then eventually all the accounts will default. I also was recommended to send letters with proof of postage to the creditors regarding my address change so they don't hound my parents, and have my correct contact info. I managed to find the address to use for Lloyds & Tesco, but I cannot find a postal address for HSBC anywhere. Is anyone able to help me with that please?

 

To answer some questions, I don't plan to return to the UK anytime soon. I don't have any assets in the UK, my bank account that had the direct debits is not connected to the creditors, does not have an overdraft, and the only money that was in there was to cover the payments. Also, I've been out of the country longer than the amount of time bankruptcy would be an option. I'm not particularly proud of what i'm doing, but feel like the only option is to have a fresh start from the worry of my UK debts.

 

Does anyone have any advice, or suggestions on my plan, and if i've missed anything? When the phone calls/letters/emails start should I respond/respond in a particular way/ignore? I guess at this stage without missed payments, this month will be the 1st time anything is noted, so i'm not sure when the messages will start.

 

Thanks for your time.

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you should have updated them of your moved years ago and stopped paying.

 

not alot anyone can do to you once you've done that

i'd also be sending proof you've been resident in xxx country since xxx year too.

 

hsbc address will be in our forum for HSBC at the top.

else use google for UK  head office 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i applied for the credit when i wasn't a resident in the UK. I was there to apply, but was already living abroad, so i'm not sure if that would be a good idea. Stupid i know, but i have kept up with payments up til now. In that case what would you suggest? 

 

Anyone can recommend what I should put if I applied for the credit when I technically wasn't living in the UK? Should I just leave the move date out? Want to get the letters sent out asap as I stopped the direct debits and am now getting the messages through the app.

 

Thanks a lot.

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Telling them you live abroad is about enforcement in a UK Court, which would be problematic if you were not resident in the UK.

 

It may be the case that you provided incorrect information when applying for the credit, but that is not the point at this stage, so you don't need to say when you left the UK.

We could do with some help from you.

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Thanks for the response. Much appreciated.

 

So my letter basically looks like this. If anyone has any suggestions of improvements, things I missed please let me know. I was also wondering if I should update a phone number?

 

image.png.d2a4d79d1a81fd33616d16b78885b6b5.png

 

Anything I missed, or good to go? Thanks all

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we cant edit you've put a picture up not text.

 

i have for a number of years resided at ..... and will remain so.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ah that's weird, i copied it from word. My problem still remains that I was residing abroad whilst getting the credit (even though i was located in the UK when applying), so I thought it would be a problem if i put the year before the credit agreement? If that's the case, should I just leave it off of there, or do you have another suggestion?

 

Sorry, misread what you wrote. That makes sense. Editable below with your comments. Let me know how that looks...thanks so much!

 

To whom it may concern.

 

Reference: Address Change

 

Account Number(s):

 

Last UK address: 

 

Please note that I have for a number of years resided at ..... and will remain so.

 

Please acknowledge receipt of this letter confirming that you have noted my foreign address and will use this for all future communications.

 

 

Yours faithfully

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  • 5 months later...

Hello, thanks for taking the time to read this.

 

I posted previously back in April about having approx £45k unsecured debt in the UK, but I live abroad and unable to pay.

 

I followed the instructions and sent registered letters (from abroad) to each of my creditors with my current address, which were all ignored.

 

Letters and phone calls were still going to my previous address (my parents). I have no assets in the UK and have lived outside the EU for many years.

 

I have been passed letters from my mother that some of my debt has defaulted (roughly half) and been passed on to LC Asset. At this stage I'm concerned about my parents being hounded. If I'm in no position to pay,

 

what's the best approach to inform about living abroad and that the contact address is incorrect?

 

What can they do if I'm not in the UK, and I've tried giving correct contact info?

 

I just don't know what steps to take at this stage.

 

Thanks

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threads merged

 

LC Asset are LInk Financial a debt buyer/DCA 

totally powerless as with all DCA's , they are not Bailiffs.

 

so how many debts have these fleecers got, you say half.

 

did you write to them giving your address? or you wrote to the original creditor as you did know these debts had been sold on ?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I wrote to the original creditors back in April and it looks like it's been passed to this lot recently. I haven't contacted them at all, as it's the first I've heard of them.

 

Yeah, I got 3 separate letters for Bank of Scotland, Lloyds and Halifax, which are the ones that have officially defaulted according to the recent credit report.

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if those debts have been sold to link

simply send link an address letter for each

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you. Should I mention I informed the previous creditors of the address change, or just send exactly the same letter but to them? Should I also ask for confirmation of receipt, or anything else? Thanks

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no

no

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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An option yourparents have got is returning them to sender saying not at this address on them. I would have thought you dont have bills at there house or are you on the electrol roll as there 

 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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waste of time returning to sender

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I let a relative use my address as a forwarding address for some companies.  Unknown to me relative owed several old debts. 

 

From my personal experience, I would not recommend your relative returning mail marked returned to sender, not at this address.   The debt companies then really think the debtor lives at the address and is hiding.

 

Always best practice to write to all companies you owe money to or are chasing debts, to advise them of your foreign address for communications.   And if you have proof of foreign residency, to include a copy of the relevant document.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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They have ignored his request for contact to him. Hence why l suggest send them all back and he could continue to write to them from his address 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Always worth continuing to confirm foreign address until the creditor has acknowledged.

 

Could register a complaint if not acknowledged and go to FOS if letters continue to be ignored.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 2 weeks later...

Thank you all for your responses. I've sent a registered letter to Link for each of the accounts. Hopefully they will arrive shortly. I could have got my mum to send them from the UK and got them there quicker, but I thought it's more proof to send from here that i'm not there.

 

I noticed that each of the debts that Link took over have now appeared on my credit report. I don't know if this matters, but is it standard practise? As long as I don't deal with them they will remove after 6 years like the original accounts?

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6 yrs from the oc's registered defaulted date they will vanish..doesnt mean they are not still owed mind depending upon last payment date

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Not 100% sure what you mean. I haven't paid anything since they defaulted, so then they won't be owed as long as I don't pay anything between now and then?

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Correct so when default reaches its 6th b'day the wholeA/C will vanish and as you've paid nowt..the debt will be statue barred 

 

I'd be inclined to send our SB letter then too

 

dx

 

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've been informed by my parents that I've received more letters/phone calls but this time from Moorcroft, and much more aggressive with the calls, multiple times in a row. The letters say they are acting as collection agents. Is the status any different now or does it still belong to Link? Should I also be sending letters to Moorcroft about my address change? 

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Moorcroft tend to act for Banks, with the Banks still holding the debt.  Moorcroft take over for a period, chasing the debt, with large volumes of calls and letters.

 

Yes send Moorcroft a letter confirming your foreign address.

 

Your parents if they answer any calls, should simply provide your foreign address and foreign telephone number, advising that you have informed all creditors in writing that you do no live in the UK.  Your parents should tell Moorcroft to stop all phones and letters to the address. If they fail to do so, a complaint willl be made for harassment of  third party as this is not allowed under FCA rules.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Get your parents to put a note book by the phone to log every call. 

Company telephone number persons name supervisors name  date time. That way they have a log of calls so they can complain giving over these details. 

 

Tell them to advise you dont live there and its harrasement. Give the address and phone number for where you live and hang up. Dont let them get a word in edgeways once the details you want are given. 

 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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