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If a V5 is what I call the Vehicle Registration Document then please read my posts above as I have explained quite clearly, twice, what happened to the original.

I am completely and utterly bewildered. I don't know what a V5 or a V6 or a V62 or a VED or a VRM are so ...

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In today's Independent The banks' £4bn protection racket - Independent Online Edition > Business News

They know where you are so they're more likely to chase you than if they hadn't got a clue where you'd gone. That said they're less likely to chase you as you're not in the UK, but it is £12,000. Depends on how hungry they are... Yes, do the CCA and check they have a valid, enforceable agreement. If they do have an enforceable agreement you should then do the SAR to check what unlawful charges have been levied - and they shouldn't try getting a CCJ if the account is in dispute. Both of these things mean giving them an address... but if the debt is enforceable then.... we've been through that...

davedebt - I seriously recommend you have a good read through the debt forums. Many of your questions will be answered there. The actions you should take are the same as they would have been if you were still in the UK. The consequences, if you do not do something about this, are enforceable whether you are in France or not.

Exactly, the bankruptcy can be enforced in the UK, so can the statutory demand, so can the CCJ - it doesn't matter where davedebt happens to be at the time - they can ALL be enforced in the UK. Having been enforced in the UK they can then start proceedings to get bailiffs round etc to enforce them in France. I said all your comments about "bancaire interdit" were irrelevant in this situation. I did not say French laws were irrelevant - please read my post again. It is NOT particularly complicated to start legal proceedings in France to enforce JUDGEMENTS entered against you in the UK and many UK law firms have "relationships" with other European law firms for just this sort of thing. I don't know which nationality you are but you don't appear to be French. I don't mean to be impolite to you I may perhaps know a bit more than you about BRITISH insolvency law and how BRITISH creditors chase BRITISH debtors in foreign countries - being British and having lived in these countries myself. I realise you are trying to be helpful but what you have said so far is really so wrong I would laugh if it wasn't for the fact that someone may take your advice and get seriously damaged because of it.

Having lived in France, and many other European countries, I know what "bancaire interdit" is and, frankly, it is totally irrelevant to this topic. Yes davedebt, they will need a physical address BUT if they don't have one they can go to court and ask for "substituted service". Plenty on the web about that and here's an example - http://www2.blackpooltoday.co.uk/publicnotices/27-05-05/12992234.pdf If they win the statutory demand case they can then bankrupt you. It doesn't matter where you are - you are in the EEC and EEC law applies. Someone I know very well had a statutory demand served on him in France by an English yob debt collector (probably lived reasonably near). By the way to check it was the right person they got a private investigator to send him a letter, by recommandé (so he had to sign for it) but there was nothing in the envelope...but they'd got his signature...

If they get a CCJ they can then go for a statutory demand and then bankruptcy and they can do this regardless of whether you are in France - by which I mean they can serve a statutory demand on you in France and they can serve a Bankruptcy Petition on you in France.

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Is there someone in the UK who could forward mail from/to you? Or get a PO box in France? If your local PO doesn't have any available they should be able to tell you where there are vacancies.

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You should send the letter in the library telling the DCA not to call you and that all communication has to be in writing. Here's the link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html Do you know if the card has incurred charges? If it has you should send Lloyds the SAR (and a £10 cheque) by recommandé (French recorded delivery) http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html If the card has incurred charges when you send the harassment letter to the DCA you should also put the words "THIS DEBT IS IN DISPUTE" on the letter and then they'll have to send all the paperwork back to Lloyds. Make sure you keep copies of all correspondence. Did you send your offer(s) by recorded delivery? If not it may be sensible to send them again but by recorded delivery with letter G in the templates on the General Debt forum - you may need to tweak it a bit to reflect them ignoring your previous attempts http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html Finally, no personal experience of banks/DCAs chasing around France but debt collectors don't stop at the Channel and I do know of people who've been pursued for other UK debts when living abroad. Hope this helps. bb

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Have you tried the "search" button above the thread (between "New Posts" and "Quick Links")?

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