Overseas credit card debt

lukorama

Hi All

I just had a quick look but couldn't find anything on this. Does anyone know what the laws are regarding credit card debt form over seas. (Over drawn UK credit card, I'm now in Australia)

What are the powers of the service provider to chase debt?
Will it affect my credit rating here?
They keep charging since I told them I've left the country, but cannot get through to them on the phone (put on hold while calling UK from Australia??). I'm trying to arrange repayments, but haven't been able to get through.

Lukorama

CannyJock

lukorama wrote: »

Hi All

I just had a quick look but couldn't find anything on this. Does anyone know what the laws are regarding credit card debt form over seas. (Over drawn UK credit card, I'm now in Australia)

What are the powers of the service provider to chase debt?
Will it affect my credit rating here?
They keep charging since I told them I've left the country, but cannot get through to them on the phone (put on hold while calling UK from Australia??). I'm trying to arrange repayments, but haven't been able to get through.

Lukorama

Why not send them a letter giving them your new address and contact details, and give them your IBAN number so they can take payments from your account? Or even just send them a cheque each month for more than the minimum repayment - will take time in the post for sure, but at least they'll get it.

Or email their customer support people with your telephone number and contact details and ask them to "call back" when it's convenient, bearing in the mind the time difference?

The limitations on recovery aren't really relevant if you're looking for advice on how to repay the debt.