He was paying this card for nearly 3 years and paid over 5k on it in total (last 2 years it was around 120/month) - so there is some proof that something was paid. I think that most of it are charges and interest.

I'm just wondering if by enforcement you mean for example: "getting to his wages by court order and force him to repay it". He's no property and employer doesn't care about the credit rating, so this is not a concern.

Thanks for advise - he has to be here to check it probably, or can he do this over the phone? And as far as I know he can't pay it off, at least not now, so I'd say that for the next 6 - 12 months he wants to fly under the radar. Our main concern is if they can get to his wages somehow? I've got a permanent job for him, but it's not much money - I'm wondering if they can somehow get a court order and make him pay it off. Also we just calculated how much he interest + repayments he paid on the card between 2010 and 2013 and it amounts to over 5k. I don't know if it makes any difference.

The amount outstanding is 4,5k. I don't know if this amount is enough for them to go through the court process?

Thank you for your quick answer. I'm wondering how long in would take to go to that point ?

Hi, My good friend used to live in the UK sometime ago. He left a year ago to take care of his sick family member and left unpaid credit card behind him (around 4k). Now he has to come back. I've got work sorted out for him and he can stay in my place. Now my question is, what is the worst that can happen to him? I know nobody will stop him at the airport, or arrest him, but: 1/ will he be able to open another bank account in different bank? 2/ Will they take him to court and take it away directly from his wages if he doesn't pay it (right now it's not an option) 3/ what else can happen to him? Thank you in advance, JJ PS. maybe those issues were explained somewhere here before but I couldn't find it. If so please give me the link to the post with explanation

@2Grumpy Thank you for your quick answer Should I send it by post? Also – where do I get the form? Sorry – it's probably somewhere on this forum, but I didn't manage to find it yet. I talked to them few months ago, but they completely disregarded the fact that my phone was disconnected for over 3 weeks. I can't find my old bills – they were in paper format I put one “x” too many. It's three hundred pounds. My clumsiness. But yes – I believe they're charging me contract money for each month. So there are 5-6 months when I didn't use my phone. The real amount on the bill was around £150. What I really want to do is pay everything I owe to the orginal creditor, but not pay for period of time it was disconnected. Now I'm thinking how will I prove to them that it was disconnected? Plus – what do I do to pay original creditor? Should I simply give them a call? Is the best sequence: 1/ send CPR to Moorcroft 2/ Call Orange/EE and request bills one more time + payment options 3/ pay it in full or installments? Thanks in advance, JJ

@renegadeimp Thank you for your quick response. This is what I've received: Dear Mr XXXX We have been instructed by EE (formerly orange) To collect your overdue debt of £3xxx The purpose of this letter is to ask you to contact us so that we can discuss repayment of this account. We offer a number of repayment methods which are listed on the back of this letter. We will always seek to a agree with you a repayment plan that you can afford where payment in full is not possible. However, it is important that you are also aware of the possible consequences if contact is not made or an agreement reached. For this reason this letter should also serve as a notice of possible litigation. To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you contact us without delay. Payment should be submitted in full within 7 days or contact made with this office immediately, by telephone on 01614752811 or by letter with your repayment offer. Both our client ad we do not wish to take this action but if agreement cannot be reached by 19/6/14, a claim my be issued by solicitors instructed to act on behalf of our client without further notice. We would emphasise that shluld Judgement be entered against you this may affect any future credit application you make elsewhere and all legal costs incurred are usually added to the amount owed. EE (formerly Orange) has informed us that upon receipt of full payment they will reconnect your service and will not charge a reconnection fee. If you would like to take up this offer you should contact us to arrange full payment and supply your bank details so that a direct debit instruction can be implemented for future payments to be paid to EE (formerly Orange). The above balance includes and administration cost of £23.66 which has been added to offset (some of) the costs incurred by our client. Please contact us today as we will be happy to discuss a repayment programme that you can afford and maintain. Yours sincerely, A.J. Martin Debt Recovery Manager

Hi, I've just received a letter from Moorcroft Debt Recovery Ltd. Moorcroft is trying to scare me with “legal proceedings”; “possible litigation” etc. It's the same issue – repaying for EE account. The only question I'm asking myself is this: Can they obtain a court order and force me to pay this out directly from my wages? I would appreciate any response. I want to move one way or another. Those charges are out of the whack, but if they can pile it up and than take it away from me anyway, I'd rather pay it now. If the only thread is trashing my credit file – than ok. I don't care about it. Thanks in advance, JJ

Thanks for a reply. This is what letter says: "Dear mr xxxxx We have been instructed by our client Orange to seek immediate payment of the above overdue amount> To discuss your payment options or to pay the overdue amount in full, please contact us on the above number. Late payment have been registered against your credit file. continued non payment will ultimately result in a default being registered on your credit file. This may affect your ability to obtain credit in the future." I don't know what they they can really do. To be honest I couldn't care less about my "credit file", but if it's not necessary I'd rather deal with it in civilized way. I disagree with their charges and with their right to trash my credit scoring. Orange disconnected wrongly disconnected my service during transfer to EE (I upgraded to Iphone 5 but then returned it and wanted to downgrade to minimum contract). I had no service for about 3 weeks which cost me a lot of distress. I don't really want to pay them anything but don't have time for a legal battle with them. Do you know what I can do? Thanks in advance, JJ

Hi, I just received a letter from "Network Finance Recovery" to pay for "overdue account" in Orange. I split with Orange 3 months ago, after being 4 years with them and they've sent me two bills, each for over 100 pound, which I completely disagree with. I actually paid one, and didn't pay the other one (I simply cancelled my dd with them). Right now I have a letter from this finance recovery company asking me to pay the bill + their fine (around 50 quid). Anybody ever dealt with Network Finance Recovery? Is there any way to contest all this and simply avoid paying this bill? Which to the best of my knowledge is some sort of [problem]? Thanks in advance for any piece of advise. Best Regards, JJ

Thanks a million - at least I know I can still drive

I get you. But there is only one real reason why they hold on to this piece of paper: “pay £20 by MasterCard, Visa, Electron, Maestro or Delta debit or credit card”. For over a decade green counterparts are obsolete. Virtually everyone with driving license close to me lost his green counterpart at some point. Public institutions are holding to this antiquated piece of paper exactly because it causes aggravation for people. Most of them lose it. Speaking in marketing terms, they have front end profit from selling new green counterparts (piece of paper worth 10p for 20 quid) and profit on the back-end from people being late with their payments. I don't know if it's the right place to start philosophical debate, but I think we seamlessly moved from: “public institutions serving people” to “people serving public institutions” in recent years. People seem to accept this paradigm and actually defend public institutions against their fellow citizens. It's accepted that once an institution has any business to do with me, I have to structure my life around it, until it's solved to the liking of an institution. Is not sending recorded delivery beneficial for the citizen? No, it's only beneficial for an institution. In the country I lived for 25 years, they use recorded delivery until today. They probably have some problems with some people, but there are ways around it. I love your assumption of the “mischievous citizen” hiding from mighty institutions. I don't mean to get personal but you sound like you work for DVLA. I don't see anything about mischievous institutions robbing law abiding, tax paying citizens, by maliciously sending letters into the stratosphere and leaving them with their insignificant pain. Sorry for a rant, but I just can't stand this sort of moralizing.

Thank you for your advice, it's much appreciated. I will apply for a new license online now.

thanks for a reply and link. I know I have to apply for a new one. My point was that I never knew that I have to send the old one. Maybe they've sent a letter but I have not received it. I don't know what happened to recorded delivery? There is actually no proof of delivery of ANY communication from them. There are two failures here: 1/ the need to send driving license off as such. This is nonsense - they don't need it 2/ lack of proof of delivery. I believe especially the second point should be explored more. But probably it's for naught. Thanks anyway. Regards, JJ