Can anyone advise me?

Niki1234

Hello......I'm a long time lurker and a bit nervous about posting......!! Particularly in light of what I am about to say......

I have previously worked in debt recovery departments in law firms....hopefully I can offer some advice as one of the 'badies' - I know how client's minds work!

We used to issue proceedings against debtors in NI and Scotland - it costs the client more as more paperwork is needed and after the initial claim form was stamped and sent back to us to serve we would instruct a Scottish/Irish Agent to serve upon the debtor and enforce -to be honest, we would try and dissuade clients from doing it as the outcome was not usually worth it.

As far as I recall, we were able to issue proceedings outside of England and Wales as long as the original agreement/contract was signed/based in England and Wales! We even issued proceedings in Spain and France! Again, probably not worthwhile but it is possible.

suburbanwifey

Happytogetdebtfree wrote: »

Thank you, ps congratulations on becoming mortgage free. Take care , OP sorry for hijacking

Thanks! and yeah, becoming mortgage free was the best day of my life I think, security, deep down in the soul. I would advise it for anyone if its at all possible. I've done my years of lining institutions pockets with interest xx

Danni-R

Moving on from the other issues.

OP: If you do plan on coming back with in 6 years it would be worth you trying to sort it out now. CCCS may still be able to help and even if you just offer token payments until things sort out and you've been working long enough to show your income.

A consolidation loan isnt always the best course of action but if its what you want to do and put your mind at ease it could be the way forward.

I hope everything goes ok for you.

suburbanwifey

Niki1234 wrote: »

Hello......I'm a long time lurker and a bit nervous about posting......!! Particularly in light of what I am about to say......

I have previously worked in debt recovery departments in law firms....hopefully I can offer some advice as one of the 'badies' - I know how client's minds work!

We used to issue proceedings against debtors in NI and Scotland - it costs the client more as more paperwork is needed and after the initial claim form was stamped and sent back to us to serve we would instruct a Scottish/Irish Agent to serve upon the debtor and enforce -to be honest, we would try and dissuade clients from doing it as the outcome was not usually worth it.

As far as I recall, we were able to issue proceedings outside of England and Wales as long as the original agreement/contract was signed/based in England and Wales! We even issued proceedings in Spain and France! Again, probably not worthwhile but it is possible.

Thanks for your valuable input. Yeah, not worthwhile as the simple fact of life is that if someone does not have the money to pay, there is nothing you can get out of them. To proceed merely increases the lenders costs and they don't like to waste money, they like to make it. You cannot get blood out of a stone sadly. Its a sad situation for both the borrower and the lender. I also used to work in the credit industry. Glad I am out of it, its a soulless industry, preying on the poor and vulnerable, oftentimes with disastrous consequences to health and life for the debtor. No debt is worth your life, nothing is.

Niki1234

Yes I do agree Surburbanwifey! It was very hard to get clients to understand that.....they thought if they had a Judgment it would ensure payment and just couldn't get it into their heads when we advised that they cut their losses and write it off, rather than incurring further legal costs!

give_them_FA

Happytogetdebtfree wrote: »

Can somebody clarify for me if you borrow an amount and don't pay it back who pays for it?

I can answer that, though I am surprised you are advising people here if you need to ask.

No-one. The vast profit of the bank/credit card company is slightly reduced. But not noticeably so, unless they have indulged in a large amount of irresponsible lending.

give_them_FA

I do spend most of my time on another forum telling people how to avoid paying scammers who run private parking companies. Hence my handle. Here I note that the advice seems to be sharply divided between those who advise the poor souls on how to pay (like the moralists, lol) and those who advise them on how to avoid paying (like me.) Which advice people take is up to them. I certainly think the OP here is in an ideal position to turn her back on her mistakes in England and build herself a new life. Others want to saddle her with hardship. As suburbanwifey and myself agree, unless she's planning on coming back fairly soon, these debts are just going to quietly disappear and will go SB. What the law theory says and what the reality is are often very different things- there won't be anyone waiting at the ports for her return.