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Not back in the UK - already receiving letters for debts owed.


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(UK - England) 5 years ago

I defaulted on some unsecured debt in the UK.

 

It occurred as I was packing to leave the UK and work offshore.

 

Shortly after a few letters were sent to my original address however they were RTS as I no longer lived there (or even in the country). In that time I met and married my now wife abroad.


Due to circumstances my wife moved back to the UK to a new area for either of us - ahead of myself, I’ll be joining later. Due to this most/if not all the house bills are in her name. I had applied for a sim contract for us, as she could not get one.


She recently received a letter this week from one of my old creditors, asking if I lived there and to give a call to discuss payment.


I’m not sure how, maybe through finding my last name and linking it with her - but I need advice on:
1.    is my wife to be held jointly responsible for my debt aka will they pester her to pay
2.    if I contact them to prove I don’t live there, will that “restart” the 6 year debt window that would’ve ended in my debt becoming unenforceable?
I have no assets in the UK (car, bank account etc). Thanks!

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If they are not joint debts she is not responsible.

 

I will suspect all you debts have been sold to DCA's by now ?

 

You say 5yrs, but when was your last use or payment?

 

Don't forget a DCA is not a BAILIFF and have ZERO legal powers on any debt no matter what it's type

 

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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Thanks for the above - I feel helpless not being there!

 

They all defaulted in March 2018, last comms April 2018 - so almost 5 years. 

 

I imagine they have all been transferred to DCA's, so is it just a waiting game until April next year?

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well if you have no assets etc ie house to raise a charge against if they try for a backdoor CCJ, you are safe.

 

debts wont be SB's till defaults+ 6yrs. 

 

now if you want to be pro active you write to each one simply giving your correct & current address, cause i will guess you've not ever updated anyone since you left the uk?

 

the debts undoubtedly would all have now been sold to DCA's.

 

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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Great thanks.

 

2 of the creditors reached out to my overseas address, so they managed to find me, but they stopped reaching out after this.

 

If i do write to each one, will that not reset the time til SB?

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Only if you write to acknowledge the debts not if your only informing them of current address

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