Leaving the country with debt

Submitted by Anonymous (not verified) on Sun, 03/11/2007 - 10:39
Forums

what happens if i have loan to pay and i am relocating to another country for good. can they chase me?Eg. Moving from UK to AUS.Debt is £10k.

pommy (not verified)

Never intended to leave debt behind, but did anyway and i have now got a mortgage etc here in my new country. My past history was never bought up. I do feel guilty tho.

Fri, 04/30/2010 - 13:18 Permalink
ray (not verified)

It never ceases to amaze me that there are people on these forums providing advice to perennial debters on how they can abrogate their responsibility to pay decent hard working people the money they owe them. What I'd do to them is I'm afraid not printable.

Wed, 05/05/2010 - 13:34 Permalink
me (not verified)

But if a person returns just to visit is it likely to be arrested?

Wed, 06/02/2010 - 14:07 Permalink

Hi Me,

Generally speaking, the Statute of Limitations restarts as soon as the person comes back, and starts using his credit. However, whether or not he can be arrested depends on the state laws I believe.

Thanks,

Aaron

Thu, 06/03/2010 - 12:01 Permalink

Hi,
My wife and I moved from the UK to Canada a couple of years ago. She had a long term loan she had been paying (before we were married) and in her name only.
after a year of moving she had been paying it and got it from £11k to £8k. as her money was running out (wasnt working in Canada) she called the bank and informed them of her position, as they always advise. They said there was nothing they could do and to call back when she was in arears!!

a year later they have sent letters and finally sent it to a debt agency in the uk, who have sent about 3 letters, although the letters were coming from Hungary and Germany??
We recently received a letter stating that the agency had, or will sell the loan onto a canadian company who they call at the door.

They did say though that she had the option to pay now and get 40% off the amount. Their last offer.

I know its long winded but the question is... Can they legally sell the debt to a Canadian company to collect it.
Nothing Here is in her name either.

I am under impression the UK loan cannot be collected here as she had paid for a certain time and it's under the UK comsumer laws?

Help!

Wed, 06/30/2010 - 06:23 Permalink
stevo (not verified)

i owe money to a country in the EU then went to work in Asia for 5 yrs. I now want to come back to my home country (england) but i am worried i could be arrested on my return??....is that likely??..the debt is 17k

Tue, 07/13/2010 - 12:21 Permalink

Hi Stevo,

Generally speaking a person cannot be arrested for his debts. However, once the person comes back, the Statute of Limitations restart. You will have to check your country and state laws on Statute of Limitations.

Thanks,

Aaron

Fri, 07/16/2010 - 11:38 Permalink
Rudolf (not verified)

Hi, I know of 2 people leaving South Africa over a week from now. An old age home looked after there father for a few months and they need to pay them before they leave but they do not want to do that. How can I stop them as they owe a few institutions money in South Africa, can Immigration stop them to go to Ireland? the wife has no work and the husband is working on his wife's previous work permit in Irlend. Any advice would be appreciated thanx

Fri, 07/23/2010 - 09:33 Permalink

Hi Rudolf,

I am afraid I have no idea about the laws on debt collections in South Africa or Ireland. This is an U.S. site.

Thanks,

Aaron

Thu, 07/29/2010 - 10:12 Permalink
claire (not verified)

i left australia and came back to uk in 2005. I got a phone call fom a credit cimpany in sidney. They phoned me at my job in uk. I owe 2000 dollars on a credit card from 2005. What can they do to make me pay this?

Wed, 10/06/2010 - 20:40 Permalink
jake (not verified)

i am planning to leave new zealand and have debt under a collection agency. can they stop me from leaving nz?

Sat, 10/23/2010 - 04:02 Permalink
issynae (not verified)

Im living in Australia and want to return to New Zealand, but I have an outstanding Debt. Which ongoing payments are being made. My understanding is? If I arrive in New Zealand I could be arrested.{It's more like urban legend}Just unsure?

Wed, 02/09/2011 - 12:50 Permalink
Pudneytame (not verified)

I lived in the Uk for 9 years and returned to my country of birth (New Zealand) in 1999 I owed debts totalling $15000.00 pounds. I never heard a thing for about a year and a half and somehow they got hold of my phone number, Because I have a very common name eg: John Smith I just denied ever going to the UK and gave them a totally different date of birth. It was only one company Alliance and Liester Building socity that was the most aggressive, Anyhow in the end they somehow managed to put a default on my credit history in New zealand and this affected me getting a mortgage. But I just phoned up the credit reporting agency and denied it was my debt and to prove it was me - they had no chcoice but to remove it. Its now been 11 years Ive moved to Australia and never been chased again, I wouldnt be game enough to return to the uk in case I was stopped at the airport. I have been told be a bankrupt/insolvency company that to successfully get away with it the new country you are going to - never apply for credit, use a prepay phone and internet and only have a savings account at the bank and do not have any credit cards, Dont sihn on the electroal roll etc, and if by some chance they catch up with you just say your unemployed and have no money, Cause your in a different country they cannot prove otherwise and they will more than likely write it off as there is no point flogging a dead horse, Good luck everyone hope you get away with it, banks are gready

Tue, 02/15/2011 - 01:08 Permalink
jotaf (not verified)

my thought is that Im gonna take 100 k loan in the UK then leave to home country, in south america. IM SURE theyre not gonna be able to follow me. Im pretty sure, and im also gonna be careful to not leave any links behind. AND IM SURE that Ill never want to come back to this shithole.

Sat, 02/19/2011 - 21:59 Permalink
Soph (not verified)

Hi any help would be gratefully received! Over the last 12 years through the ease of getting credit I've got myself into a right mess.....the debt I owe is split over a bank loan and about 6 credit cards so the max I owe anyone is just over £10,000 but totalling around £47,000. Feel completely out of my depth now I have always made at least min payments but am just getting no where and most of my wages go towards this! Anyway to cut a long story short I work within the nhs (so have a professional registration) and have got a job and visa in oz. Leave in a few months....issue is should I try to move money back here to keep paying and struggle ridiculously for next 6/7yrs or start afresh?! Can they catch up with me? Also want to come back to visit family 1/2 times per yr would my passport being swiped at the airport make people look for me?!!!

Sat, 07/16/2011 - 10:59 Permalink
Robert 4321 (not verified)

Yeh go for it, once you arrive here then u wont wanna go back! If u do, then go back after 7 years.

Your credit rating in the UK has no effect on ur oz rating. You just start from scratch.

They only thing I am thinking about is this being held at the airport business. Can they do that? I dont think you can as i was under the understanding that leaving debt behind is NOT illegal. You cannot be arrested for it.
Worst comes to the worst, if u want to go back on holiday, then get a flight to Ireland, train up to Belfast and fly to the UK domesticly.

Mon, 08/29/2011 - 09:38 Permalink
Maryanne (not verified)

My friend pays a monthly payment for a loan to the bank but the bank has sold the debt on to another. She is still paying the monthly payment but has no paperwork for 2 or 3 years and does not know if her payment is being transfered to the other country towards her debt

Wed, 10/26/2011 - 21:16 Permalink
guest (not verified)

im in new zealand wanting to go to aussie i have a ridiculous aamount of debt and has all gone to collection agency.. and im making no payments on it.. will i be able to leave the country?

Thu, 11/10/2011 - 20:57 Permalink
Billo (not verified)

Well amjad, this thread is assuming America, where you cannot go to jail for having debts. However, in the UAE you can go to jail for having debts (for a while anyway, they still expect you to pay it back), I would only imagine the horrible things they might do to your family if they found out you left the country.

If I were you, I would never return.

Sun, 12/04/2011 - 22:08 Permalink
tarnzjah (not verified)

hi jst wanted to know,im from n.z bt want 2 go 2 aussie 4 a holiday bt i owe baycorp money am i able to leave is it worth booking a tkt or will i get denied at the airport????

Mon, 01/09/2012 - 15:14 Permalink
andy68 (not verified)

i leave in ireland and have done for 8 years,i have tried payiny my debt but it is hard the banks are no help and now the creditors are after me from england , can they touch me, they have my uncles address but i hav,nt lived there for 5 years

Wed, 02/22/2012 - 16:38 Permalink
Samsam (not verified)

I moved to uk from Australia with credit card outstanding 9 months ago, I got an email from credit card company that if I will not pay the amount it may effect on my current employment.I am not in situation to return the money.can they do something with my job..please advise.

Mon, 12/03/2012 - 18:55 Permalink
raven (not verified)

Hi a freind of mine owes money in australia and wants to move to new zealand and buy a house, can oweing the tax in auz catch up, and be a risk if she decides to buy a house?

Tue, 12/04/2012 - 11:44 Permalink
Shanice Smith (not verified)

Hi,

I'm planning to go overseas thats including australia. My home town is NZ. I'm just wondering what will happene if i owe $2000nz for drinking and drinking. also i was doing imprisonment for 5 months and 5 months home D. Can you please help me out?!

Tue, 12/11/2012 - 03:28 Permalink
pjbkap (not verified)

I left UK in 1995 with GBP 5000.00 debt. It was transferred to a US debt collection and total cost with fees were over GBP 15000.00. Try to make an arrange to stop interest charges and make regular payments of the principle. Most banks are happy with that as they normally sell off bad debts for a lost.

Fri, 04/26/2013 - 08:04 Permalink
Shar (not verified)

I am currently a little stressed as years ago (approx 6) my personal loan with Westpac Bank was transferred to Aorangi Debt Collection, over the years I have been paying the debt slowly, however recently (due to my own fault, travelling) I missed a couple of payments and did not contact them to notify, I realise this is very irresponsible on my part but it is not that I don't want to pay, I haven't been working for the last 5 months due to some personal reasons, however yes I should have contacted them. Anyhow I am still out of New Zealand (only a perminant NZ resident, not citizen) i am staying in europe but of course dont want any issues returning to NZ. I contacted Aorangi to say that I have just made a payment a few days ago & to get an update on te balance of my debt (should be approx 2500NZD left now), however they advised me that the account has been closed and sent back to Westpac Bank and so to contact them. I have emailed (no response as yet) & tried calling but haven't made it through to anyone yet, I got the response from Aorangi last night and it is now the weekend and in my mind i am thinking of all kinds of worst case scenarios! I am currently not working and have no money to pay, my fiancé is supporting me and could help pay in small instalments only. Please advise if possible the most likely outcome for a situation like this? Any advice would be greatly appreciated.

Fri, 04/04/2014 - 09:10 Permalink
crorkz matz (not verified)

LXohOP I really like and appreciate your post.Thanks Again. Great.

Tue, 08/05/2014 - 09:05 Permalink
Stu (not verified)

i am from the uk, went to australia for work. I left australia almost 6 years ago. i am unsure if i have debt or not, i had a car on finance and told the company i was leaving, under there instruction i put the car to an auction of there choosing. but i never found out if i owe them or if the car covered the outstanding balance. i am now looking to return to oz to relocate with my famly. any ideas how i can find out if i am in debt or good to go?

Thu, 08/14/2014 - 14:26 Permalink
Jlaggers (not verified)

We had a dispute over electric at villa we where renting so did everybody else including a local bar that found out they where paying for the electric of the office next door and upstairs.We instructed a local solicitor and after going through all the bills found many faults one was even for another villa that had been changed to look like how address,the solicitor then sent a letter to Malaga court and that was the last we erd of anything,now we have just received a letter from a English debt recovery agency for £13000.

Tue, 02/10/2015 - 20:06 Permalink
huna (not verified)

Please help my son was made destitute in nz he lost job home and everything and is now in uk he took his car back to finance company to auction told them on his arrival in uk once working he will pay the debt off they have the car and say he must go back to nz to repay debt or will arrest him he is a british citizen he as no means to go back surely he can sort it this end he as kept in touch with them throughout can they do that

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