Help Needed: Dealing with Debt Settlements and Uncooperative Creditors

Grumpelstiltskin

In theory they could get a CCJ for any amount but once they know you are out of the country if they have any sense they will decide they are throwing good money after bad by persuring it.

They have to contact you by snail mail to tell you they are considering a CCJ so as long as they have your current address and you do read any letters you get from them you should be OK.

This is why they need to know your current address or they will be sending mail to your last UK address and if they do decide to go for a CCJ you wouldn't know about it  if you redirection had run out and they would get a CCJ by default.

nublue1

sourcrates said:

nublue1 said:

Grumpelstiltskin said:

I agree with Sourcrates about telling your  creditors your current address.

I hope you have stopped your payments to Payplan

A lot of your debts are too small for the creditors to apply for bankruptcy especially when they know you are living abroad.

Save what you can and wait and see what letters you receive once they know your address.

Ignore any threatening E Mails, they mean nothing and keep coming back if you have any problems and worries

Thanks so much.  Just to check, you said too small for bankruptcy - did you mean to say CCJ.  Hadn’t even considered forced bankruptcy as a possibility…

It isn`t, I think they meant CCJ.

Forced bankruptcy costs a creditor on average £1800 or more, and no sane person will initiate such a response to someone who`s assets are unknown, and does not even reside in this country.

There`s more chance of me winning the lotto, Euro millions and setforlife, all in the same week, whilst been wined and dined by Taylor Swift at the Hollywood bowl.

Haha ok, that does seem quite unlikely - but a great week if it did!

nublue1

Grumpelstiltskin said:

In theory they could get a CCJ for any amount but once they know you are out of the country if they have any sense they will decide they are throwing good money after bad by persuring it.

They have to contact you by snail mail to tell you they are considering a CCJ so as long as they have your current address and you do read any letters you get from them you should be OK.

This is why they need to know your current address or they will be sending mail to your last UK address and if they do decide to go for a CCJ you wouldn't know about it  if you redirection had run out and they would get a CCJ by default.

Thanks, I'm just sat here now putting together the letters to send.  I use a UK mailbox company for my mail so I'm going to tell them my address and also give them a UK correspondence address because redirection doesn't exist here and we may well move again in the next year or so. 

nublue1

Hi, I'm following up because I've had a letter from Westcot - who have recently acquired my Tesco debt - saying that since they haven't heard from me, they have conducted additional checks and verified that I am still living at my old UK address (I'm not, and haven't been for over 2 years).  Should I be concerned?  I'm aiming not to contact anyone unless strictly necessary so I can perhaps trigger the no contact thing eventually.  They are still sending the letters to my old address.  My main concern is that a CCJ gets triggered without me being aware after my redirection ends. 

For information: I still have a redirection in place so can see that most of the creditors haven't changed the address on the correspondence at all.  When I wrote to them in March, and again in June when I returned to the UK for a visit I gave both my abroad address and the postbox service direct address.  

(the postbox service sent the March letters but for some reason Royal Mail couldn't confirm they were sent so I sent again myself to be sure).   

I'm kind of irritated because I also don't want to have to contact them again but don't want shed loads of finance letters going to an address I no longer have access to when my redirection can't be renewed any longer.