in my opinion, maybe look at getting a UK address, that all your creditors can write to, so it doesn't hassle you, look at http://www.myukpost.com get an address with them, and they will scan your mail to you in Aus,

Also to start a fresh, look at http://www.myUKpost.com get a new address, and start to rebuild your credit file at a new address, that isn't "linked" to your previous addresses, its not expensive and worth it

http://www.myUKPost.com offer a real UK address, so people can use it for their real address, and keep/maintain their credit score.... so you dont need an accommodation address, just a myukpost address

myUKpost.com offer a better service and alot cheaper, but most importantly they dont store your mail on their server, it is sent direct to your email account.

i know going on the voters will be on the credit file...... but my question, is that i will have a new clean file at my new address, as it is not linked in any way to the old one (otherwise I wouldnt have got a mortgage!), my question is .... can going on the voters create a link, within the same council area

Hi I have been living abroad for 5 years now, and I have several defaults agianst me, I am coming back to live in Bournemouth, if i go back on the voters, can debt collectors find automatically, as I have debts at other Bournemouth address, but my new address is not linked to the old address, being abroad has stopped any linking thanks

Hi I have some bad personal credit at my old address, I have a new address that is not linked, but I want to start a new ltd company, please can you help me and explain if Companies House, link directors names and addresses to personal credit files. I dont want to open a new ltd company, put down my new address, as the director ( which I am obviously trying to keep away from my old address) and then get them linked. Do experian link directors, from old ltd companies via their name and date of birth... ( obviously the addresses are separate, and I have a perfect clean record with Companies House, and no ltd co debt) thanks chris

Hi I have some bad personal credit at an old address, that currently is not linked to my address, I want to start a new ltd, when the bank do a check on the new company, and myself as the director.... Will my name be picked up, from previous directorships (all my directoships were clean), Basically can experian, link companies house registers to personal addresses, and are addresses linked, so if I change old addresses to new, will Experian see it thanks chris

han send me your email or skype details on the pmb, there we can speak, I used to live in QLD, so i know many brits who have done this.... but an open forum is not the place, dont worry, but there is a few clever things you can do that will protect you... i dont want anything for this.... i just know how you are feelings cheers chris

It is now apparent that it will be practically impossible to enforce a UK debt in Oz. i agree, !!!! do not go bankrupt

i know about going voluntary bankrupt, there is no point when already overseas on small debts.... but in the case of someone making her bankrupt, it is virtually 0.0001% and could be easily set aside, as she cannot be served.... bankrupt in absencia is hardly used for non-residents, the postee wrote that she is applying for a visa to aus, and bankrupcy is a question they ask, as they can search the london gazette it is obvious she has small debts.... so there is no point using a nuclear bomb, to crack a peanut imho!!

i have a house in the UK, and it is monthly, is there any benefits i can claim, especially if not means tested

thanks for the reply. I have no savings.... and I am single.... can I claim the £300 mortgage interest, but I do have the pension income

you cannot and dont need to go bankrupt, only a person LIVING in england and wales can be made bankrupt.... you cannot be legally served, and thus cannot, dont worry, tell the creditors that you are in aus, even give them your mobile number, so they know..... unless you have another house/asset in the UK, the creditors can do absolutley nothing!!!|\ after 6 years your credit file, will be cleared.... but remember when you get your visa, some aussie lenders do UK credit checks, so dont tell them the address in question only huge,huge debts are chased overseas, and where they know there is security pmb if you anymore advice

Hi All I am 45 years old, single, and I have been away for 10 years in asia, I am returning home as I have a serious medical condition, ( luckily I still have my bupa cover), Please can you help me, and tell me if I am entitled to any benefits; based on my circs... 1, I have a pension income of £600, and I will be out of work 2, Is there any benefits that I can claim, ie Unemployment, Sick etc, if so how much is it 3, I have a mortgage of £300 a month on my house ( it was rented while i was away), can i claim housing 4, do i have to pay council tax 5, will my pension income create problems, thanks chris