Feeling so far away

itsallabitmuch

Sorry for the late reply, but I've been doing some digging for you.

Firstly, I'm really sorry about this whole rigmarole you're going through.

Unfortunately, the CCJ can be enforced against you, as a non-UK resident, as long as you have a UK interest (your house).

If you sell the house (which doesn't sound like the route you want to take), then the PRA Group has two options:

1. Ignore the debt, but keep an eye out for you returning to the UK
2. Sell the debt to a local DCA to where you currently reside

As I said, though, as long as you own a property within the UK (or Europe-wide, actually!), the debt is enforceable.

Good luck x

fatbelly

broke_expat wrote: »

I now need to push this back up to the judge as I believe the actions they have taken so far have been unfair. I also need to find out for definite if a UK court can take actions against someone living outside of the UK. I also need to stop any further action taken by PRA from adding to the debt as I imagine if they appoint balliffs and send them to the old address that they know I don't live at, that they will also try to bill me for that (and of course it is impossible for me to try to take the necessary action to avoid this).

I can't add any more than previously but I agree that you need a review.

Maybe run this past National Debtline.

I think a charging order is more likely than bailiffs. As you say, all bailiffs would be able to do is add £310 to the bill.

broke_expat

Thank you for looking into this. I'll reach out to National Debtline to see if they are able to help out with this.


So far, I've sent off the CCA requests, and all I'm getting are stalling tactics. CSL have now handed the debt back to M&S, PRA Group are "getting the information from MBNA" and Fredrickson haven't responded at all.


I've still have not responded to the Leicester courts, I'll wait for the conversation with National Debtline before responding to that. It just seems stupid that PRA knew I am out of the country, knew they had a CCA request outstanding, yet still attended the second court date and took the default judgement.

fatbelly

broke_expat wrote: »

So far, I've sent off the CCA requests, and all I'm getting are stalling tactics. CSL have now handed the debt back to M&S, PRA Group are "getting the information from MBNA" and Fredrickson haven't responded at all.

That's standard - remember none of these companies were the ones you originally signed up with. When they are handed the debt they are not given any of the associated paperwork - just a list of contact details and balance owed.

broke_expat

Small update on where things are with this:


M&S have so far avoided sending out any CCA, and have replied a couple of times stating that they require proof of identity (through a signature) as I have moved house. I sent them a "left handed" signature, but they refused to provide the CCA stating that it didn't match the one on record. I've now sent them a tamper proof signature, and am waiting on the CCA being provided. Nothing progressed about paying this debt off.


PRA Group have now passed the CCJ onto a bunch of solicitors (Judge and Priestly), who have sent out one of their standard "contact us within 7 days" letters. Contacted them and laid out the details of how they defaulted the CCJ without any contact with me. Pushing back on them providing in writing the next steps they wish to take. Still waiting ont he CCA from PRA Group, but I don't think they HAVE to provide one now as they already have the CCJ. Nothing progressed about paying this debt off.


Tesco. I received the CCA from them, dated 2003. I am trying to understand if this is enforcable or not, (seems lots of contradictory advice on different forums), before I go back to them with any offer. They told me to contact Westcot by telephone (never going to happen) to update my contact details, but as far as I am concerned, I've updated my contact details with the original lender, so they should update the DCA that now owns it.


Beginning to think the DCA's pass these debts around so often just to confuse us into who we are supposed to owe money to. Still waiting to sort things out, it's been 9 weeks since I sent out the CCA requests, and only 1 returned.