Thanks again for the insight. So, when I contact the credit card companies to inform them that I can no longer make payments, how should I word the email? Is it really worth giving them my current address or should I just remind them that I am not a UK resident, I never held a UK citizenship and only had a TN national insurance number? My goal is to start repaying the debt in 2014. It would also work in my favour if the debt is sold and I negotiate something with the new creditor? My guess is that any correspondence they may send will go to a very old address and then just get returned to them back in the UK. They have my email address so will they just attempt to contact me via email?

But the likelihood of a judgement being taken on me? Also, how long after I stop paying do the debt collectors come after me (are we talking weeks? Months?)? Won't I have an opportunity to eventually settle with them before it goes as far as a court?

Thanks again. So let's fast forward 3-4 years down the road. How will I know if one of these credit card companies is after my debt if I do not receive any post in the mail?

Thanks for the quick reply. The fact of the matter is that I will want to begin repaying the debt once I am able to afford to again (perhaps in the later part of 2014) - should I even consider that because I will most likely not receive any post they try to send to me in Canada (only addresses they may have are old ones... so how will I know the status of my outstanding debts?) A few more questions... 1. When I stop making my payments at the end of this month, what typically happens? 2. If they have my address in Canada (or can find me), arent there reciprocal agreements with Canada that allow them to chase me for my debt here? 3. Are you aware of any consequences as far as my Canadian credit is concerned?4 Lastly, while in the UK, I never actually had a National Insurance number. For the 4 years, I was on a TN coded national insurance number. Does that make any difference to the situation? Essentially, if the creditors wanted to find out where I am, they probably can. I just want to be prepared with what is to come. Thanks guys.

Hi Everyone, Im hoping that someone on here will be able to provide me with some insight. I left the UK in 2009 with 3 credit card debts of approximately 3,000 gbp each. Since leaving, I have been making minimum payments and have not missed a single payment to date. However, finances are becoming extremely tight and I can no longer afford to make my minimum payments. I am a Canadian, I live in Canada and as far as I know, only 1 of the 3 credit card companies knows of an address I had just after returning to Canada. I no longer have that address though. If I stop making my minimum payments, what will happen? After how long? I dont believe I can declare bankruptcy in the UK because it has been more than 3 years. I do not plan on returning to the UK ever. Thanks for any advice you can provide.