Advice please - debt collectors

schoolrunmum

Adi770 wrote: »

Call me old fashioned, but if you borrowed £6,000, shouldn't you pay it back?

....or at least give it the same amount of thought you are putting into avoiding paying it?

KingElvis

Adi770 wrote: »

Call me old fashioned, but if you borrowed £6,000, shouldn't you pay it back?

Peoples lives and situations change all the time, I find it unlikely that the OP would have planned to get the money and then vanish for over six years......that amounts to theft.

More likely is that a change in life, relationships or their financial situation made them "hide" from the debt....the old head in the sand etc etc

If it come to the worse the OP will just have to settle it.

Kookai_2

I didn't mean to dodge the debt from the start - just made some bad decisions years ago and now left in a bit of a pickle. 'Head in the sand' pretty much sums it up

Appreciate there are probably things I should have done differently

Thank you all for your replies though - I appreciate you taking the time.

MrsTinks

Depending on how much you have moved then you may have a CCJ that is just not showing yet - OR now that they know where you live they can go for the CCJ against you and the court would be very likely to grant it. You can hide if you like and live on tenderhooks for the next 3 months hoping they don't take out a CCJ...

woody01

KingElvis wrote: »

Peoples lives and situations change all the time, I find it unlikely that the OP would have planned to get the money and then vanish for over six years......that amounts to theft.

More likely is that a change in life, relationships or their financial situation made them "hide" from the debt....the old head in the sand etc etc

If it come to the worse the OP will just have to settle it.

Why do you find it unlikely?
They have purposely avoided this debt by their own admission.
If they really wanted to repay, they wouldve contacted the creditor for advice/help.

KingElvis

woody01 wrote: »

Why do you find it unlikely?
They have purposely avoided this debt by their own admission.
If they really wanted to repay, they wouldve contacted the creditor for advice/help.

I find it unlikely because as I said before, taking a loan which you KNOW you are not going to pay back is basically theft. The way the OP wrote their initial comment doesn't strike me as the actions of a thief, more a person who made a mistake. Theft also tends to be habitual and again, there are no signs of that.

Whether the OP should pay back the money or make an offer to pay back the money is a moral thing, one which he/she will have to deal with in their own way unless events overtake that.