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Fine sold to a debt collector, now a debt or still a fine?
Orta117
Posts: 8 Forumite
Hi All,
Rather embarrassed that it turns out a few years ago whilst on holiday abroad (Norway) I incurred a speeding fine. Didn't know it at the time and ive heard nothing until today when I receive a letter from a debt collector claiming to be working on behalf of The Norwegian local government where the alleged crime took place and demanding the equivalent of £650. I've visited their website and it appears genuine. I was just wondering whether this is now officially a "debt" not a "fine" and whether it will have effected my credit rating here in the UK as a defaulted debt?
Rather embarrassed that it turns out a few years ago whilst on holiday abroad (Norway) I incurred a speeding fine. Didn't know it at the time and ive heard nothing until today when I receive a letter from a debt collector claiming to be working on behalf of The Norwegian local government where the alleged crime took place and demanding the equivalent of £650. I've visited their website and it appears genuine. I was just wondering whether this is now officially a "debt" not a "fine" and whether it will have effected my credit rating here in the UK as a defaulted debt?
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Comments
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Hi,
As it stands it won't appear on your credit file.
In theory they could start a court claim here, which would then appear on your file if you lost, or was not cleared within 30 days of judgement.
However that course of action is rare, not heard of one case brought from abroad for such a thing, as yet !!
Foreign DCA's usually make a bit of noise for a while, then go quiet.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Could they "sell" the debt to a U.K. Debt collector ?0
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Could they "sell" the debt to a U.K. Debt collector ?
Anything is possible, never seen it myself though.
Don't think uk DCA's get involved with foreign debt purchase, almost impossible to prove liability.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Hi Orta117,
I think you need to search for an advice service in Norway to really understand this issue and find out more about how these offences are processed there. It may not follow the same rules as in the UK so you are best to start by taking advice from the country it began in.
Could you post a few more details, such as the name of the debt collector chasing the money (could it be a bailiff), whether or not you have had any notices from the UK magistrates courts about this, how much is it for and are you able to clear it in full?
I appreciate this is worrying, but debts can be chased abroad, the issue is, when they originated somewhere else, it can be a lot harder to advise you. Hopefully, with a few more details, you can move in the right direction.
Laura
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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