Hitachi unsecured loan - moving back to poland

[Saints60]

I would like to add that a UK debt can be sold on to a collection agency in another country. If they know that you are in Poland, it’s a possibility.

Even if Hitachi don’t take you to court for a CCJ, they will sell your debt to a collection agency, who will try and recoup the money. After a time, they again will sell the debt to another agency and so on.

However, the likelihood of them tracing you to Poland is pretty slim. 

[dx100uk]

And theres stuff and all they can do

 

Dx

[Irmina]

That's worrying. 

 

Letters with change of address sent. 

Now I can only pray. 

 

Thank you Guys a lot. 

 

I

[dx100uk]

pray?

 

you seriously need to understand there is stuff and all anyone can do to you.

[Irmina]

what you mean by "there is stuff"? 

English isn't my first language so I believe it's a natural reaction that I'm afraid I might be in a deeper troubles. 

I don't know how the english law works in such cases hence my question in this group. 

Maybe 'pray' was a too big word but indicates that I'm really worried about whole situation. 

And yes I agree it would be very nice to know what all anyone can do to me. 

Unfortunately I do not have this knowledge in this particular situation. 

It might be naive on my side but I trust all that've been said in this topic and will follow your advice. Time will tell if I did the right thing. 

I appreciate your help. I really do. 

I feel less worried and started seeing some bright side in this whole situation.

So thank you for that. 

Irmina

 

 

 

[dx100uk]

stuff and  all = nothing anyone can do.

 

english ccj's cant be enforced in other countries, and you cant have a ccj registered against you if you notify the the owners you are living abroad.

 

debt collection agencies wherever they are are totally powerless.

 

 

[Irmina]

Thank you for a clarification. 

 

In other hand I did borrow money and can't repaying back. They must have some ways of recovering this kind of debts hence my worries. 

Previous comment stated that they can sell my debt to other country collectors and God knows what they are allowed to do. 

But as I mentioned before I feel much much better thanks to you guys so gonna try to stay positive. 

 

I

[dx100uk]

As do millions of other people eveyday. Not pay their debts.

They sell debts on to get something back, they also claim on their insurance too. Original creditors never lose out

 

Debt buyers have zero legal powers...bye bye debt.

 

 

[Irmina]

Hope you're right Sir

 

But there are always Courts on the way so that's something  which bothers me. 

I must admit you're quite a philosopher

 

i

 

 

[dx100uk]

What court? Where?

[Irmina]

I got your point. 

Let's skip Court subject entirely. 

 

Enjoy your evening

 

I

[dx100uk]

just send the address letters..job done ..problem over.

[AndyOrch]

Irmina, send your change of address and wait until /if you get a response to your new address. They will already be aware that you have stopped this months payment and they may raise that in their response to you. They may say what are your proposal's for repayment it will say that a a default marker may be placed on your UK Credit file after 3 missed payments. It may say that they may pass or sell your debt on to a DCA.

 

At this stage its your choice to respond and make an offer or to disregard their letter but wait for the response first before letting your imagination run wild

 

Then you will be in a far better position to review your options.

 

Andy.

 

 

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