Abandoning uk debt when living overseas

boo_star

kwame41 wrote: »

They will have to deal with debt collectors knocking on the door chasing money though. Taking all the hassle for a son who has abandoned his responsibilities.

I'm sure they will be very proud...

It's extremely rare for debt collectors to knock on doors nowadays, especially when sending regular threatograms by post and phoning the debtor at all hours of the day produces reasonable results.

A bailiff might eventually turn up if one of his creditors gets a CCJ and instruct bailiffs to collect the debt but even that is far from guaranteed, isn't going to be an ongoing thing and is easily dealt with.

A4445

This type of post never goes down well on MSE

Perhaps you could call the lender for a payment plan or freeze interest.

shortcrust

boo_star wrote: »

It's extremely rare for debt collectors to knock on doors nowadays, especially when sending regular threatograms by post and phoning the debtor at all hours of the day produces reasonable results.

A bailiff might eventually turn up if one of his creditors gets a CCJ and instruct bailiffs to collect the debt but even that is far from guaranteed, isn't going to be an ongoing thing and is easily dealt with.

Throw into the mix that we're talking about an address that's not been used for four years and I think we be fairly confident the OP's parents won't be dealing with knocks on the door. The might get a few letters for the OP, but that's about it.

A4445 wrote: »

This type of post never goes down well on MSE

Perhaps you could call the lender for a payment plan or freeze interest.

True, and I'm often one of the people who'll growl, but I honestly can't get that worked up about someone who's not been in the country for six years and isn't coming back. Frankly, I'm amazed they've continued to pay for this long.

nick74

In the case of my lodger it never went any further than letters and telephone calls, or at least not in the two years I continued to live at that address. No one ever turned up on the doorstep.

The calls to the landline could be quite irritating at first but eventually I unplugged the phone and used the line solely for a broadband connection so after that I stopped hearing them.

onlyfoolsandparking

kwame41 wrote: »

They will have to deal with debt collectors knocking on the door chasing money though. Taking all the hassle for a son who has abandoned his responsibilities.

I'm sure they will be very proud...

He did politely ask for the 'moral judgement' to be put aside or did you miss that?


Personally I wouldn't give it a second thought, enjoy your life, banks and financial institutions have got enough money:beer:

chattychappy

onlyfoolsandparking wrote: »

He did politely ask for the 'moral judgement' to be put aside or did you miss that?


Personally I wouldn't give it a second thought, enjoy your life, banks and financial institutions have got enough money:beer:

He/she did. But you didn't... perhaps you want to insert the polite request quick!

onlyfoolsandparking

chattychappy wrote: »

He/she did. But you didn't... perhaps you want to insert the polite request quick!

Did I need to?????

kwame41

So when the OP decides to stop 'chipping away' at the £5000 debt the creditor wont try and recoup the money?


I dont think so..


As the address is also his parents they will have to deal with it in his absence. All of which if some posters have tried to imply is a 'a walk in park' and so easily brushed away.


I think its irresponsible to advise someone to not worry about money they owe and basically just forget about it.

Voyager2002

foxy-stoat wrote: »

Your parents credit history will be effected as the defaults and subsequent CCJ will be registered at your Parents address, they will expect lots of letters and finally bailiffs, but as long as they have receipts for all their possessions they wont end up paying anything.

Disagree, and I have relevant experience.


A registered default and/or CCJ at the parental address could cause minor inconvenience, such as requests for mobile roaming or new contracts being refused initially and then granted on appeal. That is about the extent of the problem.


Furthermore, if the creditor knows that the parental address is old and has communicated more recently using an overseas address, then the repercussions to the parents are likely to be nill.

onlyfoolsandparking

kwame41 wrote: »

So when the OP decides to stop 'chipping away' at the £5000 debt the creditor wont try and recoup the money?


I dont think so..


As the address is also his parents they will have to deal with it in his absence. All of which if some posters have tried to imply is a 'a walk in park' and so easily brushed away.


I think its irresponsible to advise someone to not worry about money they owe and basically just forget about it.

Yeah because worrying about it will solve the problem wont it:cool:


I've worried about a lot of things in my life and some of them actually happened (Mark Twain):)