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    • drew williams
    • By drew williams 19th Mar 17, 7:56 PM
    • 1Posts
    • 0Thanks
    drew williams
    Debt and Mortgage Advice
    • #1
    • 19th Mar 17, 7:56 PM
    Debt and Mortgage Advice 19th Mar 17 at 7:56 PM
    Hello, I left the UK 9 years ago owing the bank for a mortgage,personal loan, a load secured against my property & credit cards. I also wrote to my mortgage bank informing them that I can no longer afford to keep the house and i left soon after.

    I am aware that I can be black listed for 5 years but would I be able to have my credit history cleaned after and be able to obtain credit?
    Also can the banks still chase me for their money should I return to the UK?

    Would I be able to obtain another mortgage,loan etc?
Page 1
    • zx81
    • By zx81 19th Mar 17, 8:32 PM
    • 16,832 Posts
    • 17,836 Thanks
    • #2
    • 19th Mar 17, 8:32 PM
    • #2
    • 19th Mar 17, 8:32 PM
    There's no blacklist.

    But a mortgage debt can be enforced for 12 years. Other debts will be statute barred six years from default, assuming no acknowledgement of the debt or a CCJ being g gained in the meantime.
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