Moving to England..

jammin_2

sammyjammy wrote: »

I could be wrong here but I think it will be impossible to escape the debts you've left behind. When you rent a house, unless its included in the rent you'll have to register with the local council which means you'll be on the electoral role which means your debtors will find out where you are living.

Do you know whether anything formal such as a CCJ have been registered against you? If they have then apply to have these be re-registered after the six years has passed which means they could chase you forever.

Sam

You've a good point here, which I didn't think of, so thanks. I'll definately bear that in mind. I didn't realise that paying council tax automatically puts you on the electoral role.

Labman wrote:

jammin, let me get this right in my head, you want the UK taxpayer to help you and you also want to avoid paying back debts that you are ashamed of?

Do I want the UK taxpayer to help me? You mean, by funding certain benefits that my family and I would be entitled to, should I become resident in the UK? Erm, why not? Do you not claim all your entitlements? If not, you should - have you not seen the TV ads?

I worked full time in the UK from the age of 16 until the day I departed, so I myself was a UK taxpayer and will be so again as soon as I return to the UK and start working (which will be straight away). I've never been on the dole and never intend to be, so don't come on here insinuating I'm some kind of sponger. :rolleyes:

jammin_2

Labman wrote: »

I did not insinuate that you were some kind of sponger. Take what you are entitled to by all means....but the other side of the coin is the people you owe are entitled to get their money too.

Point taken. I've been discussing this with my wife this evening in depth. I think we're going to make the move back to the UK and if I'm approached by my creditors, I shall not ignore or hide, I shall instead work with them to arrange some kind of payment plan. After all, I took the loan out, I should pay it back. Fair's fair.

My worry, though, is that because my circumstances have changed so much since taking the loan out 4 years ago, I couldn't possibly afford to repay more than, say, £20-£30 a month. Whether they'll accept this or not is the worry.

But anyway, I should ask that in another thread, in another section. Thanks everyone, for your input.

LondonDiva

jammin wrote: »

if I'm approached by my creditors, I shall not ignore or hide, I shall instead work with them to arrange some kind of payment plan.

Should you not approach them, since it's a debt you accept you owe? Why would you wait until they they were chasing you?

jammin wrote: »

My worry, though, is that because my circumstances have changed so much since taking the loan out 4 years ago, I couldn't possibly afford to repay more than, say, £20-£30 a month. Whether they'll accept this or not is the worry.

you need to speak to them and come to a mutaully convinient arrangement. You knew there was a debt when you planned your life. Check whether or not they having been charging interest on the loan you skipped out on.

carray

We are thinking of doing this in reverse - from South East Uk to Eire. It will be for 12-18 months initially for OH work.

Any advice would be great - ie can someone point me in direction of any useful websites?

We went over for 4 days last week to have a look around areas, estate agents, schools, supermarkets etc and i was shocked by the cost of living and houses. We will have to rent as the house prices were too high.

Thank you;)

bandraoi

Don't call it Eire for a start, the locals won't be too happy. It's Ireland, not Eire, not Southern Ireland, just Ireland. Anything else will get up people's noses.

https://www.Daft.ie for house rentals.

carray

bandraoi wrote: »

Don't call it Eire for a start, the locals won't be too happy. It's Ireland, not Eire, not Southern Ireland, just Ireland. Anything else will get up people's noses.

www.Daft.ie for house rentals.

Thanks for the advice and link. It's all these type of things we need to know!

bandraoi

House prices are coming down, I believe you can now knock about 10% off the cost of most houses when you're bidding, but they are stupidly high.

Cost of living looks much higher than normal at the moment, because of the strength of the Euro with respect to Sterling. Usually I would just add half to get an equivalent Euro price. If you use that for comparison, things are a bit cheaper in Ireland, if you don't everything seems bloody expensive.

From that point of view, your OH needs to make sure they're salary is 1.5 times the sterling equivalent, and then you'll be better off.

Public transport is shocking, even in Dublin. I could start on that but I won't. Schools are generally good. I wouldn't be too worried on that front. Education is fairly well respected by the community as a whole so teaching actually takes place. Healthcare is theoretically the equivalent of the NHS but isn't, so get health insurance.

If you've owned your car for more than 6 months over here, then you don't need to pay VRT, provided you own it for more than 12 months when you get to Ireland. So look up the rules and make sure you qualify, and don't do yourself out of 23% of the cars value by having to pay VRT when you reregister the car in Ireland.

The penalty points system doesn't link up, so for now at least, you can't get points on an English license.

Bills - There is no council tax or water rates. In general the lack of competition means that utility providers often provide fairly poor service. Phone lines and other connections can be difficult to get set up, if you're unlucky.

Generally things that matter to people in Ireland are subtly different. Your ability to tell a funny story, hold a conversation and just to generally be good company are valued far more highly than what you look like. This is less apparent in Dublin and far more apparent outside Dublin.

I'll think of more as I go on.

I'm about to move to Ireland again myself.

jammin_2

bandraoi wrote: »

Don't call it Eire for a start, the locals won't be too happy. It's Ireland, not Eire, not Southern Ireland, just Ireland. Anything else will get up people's noses.

I agree with you, but I'd also like to point out that Ireland is probably the only country one the world where it's citizens are offended by people calling their country by the name on their coins or postage stamps.

In short, since the Irish don't like their country being called "Eire", why put it on their coins and postage stamps?

bandraoi

To me Eire is Irish, it's to be used when speaking Irish. When you're speaking English, the country is Ireland. When you're talking about Germany, you don't start referring to it as Deutschland.

Irish is also a language with declensions like Latin. Depending on the context of the sentence, Eire will be spelt differently, Eireann for instance. These things also don't translate into English at all, so it adds to the grating.

jammin_2

bandraoi wrote: »

The penalty points system doesn't link up, so for now at least, you can't get points on an English license.

In addition, there is no requirement to exchange your UK driving licence for an Irish one, regardless of what the Garda (Irish police force), or anybody else for that matter, may tell you. You may continue to use your UK licence until it expires.

Source: http://ec.europa.eu/youreurope/nav/en/citizens/living/car/driving-license/index_en.html#266_1

If holders of driving licences changed residence or place of work from one Member State to another they used to have to exchange their licence within one year (Directive 80/1263/EEC). This obligation was abolished on 1 July 1996 and exchanging of driving licences has been voluntary since then.

Source: http://www.direct.gov.uk/en/Motoring/DriverLicensing/DG_10023103

It will not be a requirement to notify DVLA of a change of address when moving to live abroad.

Source: http://ec.europa.eu/youreurope/nav/en/citizens/living/car/driving-license/index_en.html#306_4

If your licence expires, you must renew it by applying to the competent authorities of the Member State in which you are normally resident.