Hello all :

I have been away from CAG for a long time now - since I have not returned back to the UK yet - But it will be happening soon (maybe a couple of months) hopefully

Meanwhile going through my emails : I have come across the below

From : Robinson Way Limited

subj:How much can you afford?

A repayment to match your circumstances

Dear XXXXXXXXX

Reference:

Due to:

HPH2 LTD (EX AQUA)

Balance Due: £470

Account Number:

Click here to pay

We want to understand your circumstances

Completing your financial statement will help us to understand what you may be able to afford each month.

You can do this by visitingwhere you can complete your financial statement (use My Account and Make An Offer options). If you would prefer to talk to one of our colleagues, please calls on 0345 605 1360.

We may even be able to agree a reduction in the balance you owe which can be paid over 1, 2 or 3 months. Please note that where this account is recorded on your credit file, once any agreed reduced amount has been paid this will be updated as partially settled with zero balance outstanding, and not as settled or satisfied.

Yours sincerely

Customer Contact Manager

Robinson Way

Part of Hoist Finance

A:Quays Reach, Carolina Way, Salford, M50 2ZY

W:

this debt is from 2014

Kindly advise : How should I be taking this ahead ( Ignore the emails till i am back to the UK ) or ?

I do not want any CCJ's to be raised ( since that is one thing which will surely hinder my work permit with the UKBA (home office) .

the last I checked on Trustonline on 1.04.2017 - I didn't have any CCJS on record

regards

faz

Dear all :

Thanks for all the support and your valuable advise .. This has got me optimistic to return and more of peace to my mind , and things which were bothering me

I will surely keep updating here , and will not make any moves without seeking guidance .. Reading other threads and blogs here about how people got ripped off trying to pay back there never ending debts without guidance , sure has shook me a bit.

Once I return Is There any chance of my bank account being monitored of how much money I hold in it ? or my salary dates .. Cos I read somewhere that the debt collectors can withdraw money from the accounts ?

Kindly guide how to get hold of my credit file ..

Hello :

I have got one more concern; if I move back to the UK again, how should i start dealing with the owed debt , since this would have been heaped up with lot of interest, I intent to pay the money which I surely owe, But not tons of piled interest,

How should I be managing this debt ? a step by step guide would be really helpful

Will the fact I was not in the Country due to Visa expiring, be considered ?

is there a way to actually know( who I owe and totally how much) ? (since I dont have any records)

Will they arrest me or disturb me at my new work place, chasing for this - i dont want my new employer to know anything about this ?

kindly advise ....

regards

Faz

many thanks for the replies guys , it surely has helped me and brought peace to my troubled mind ....

If you read what they look at. It is only deliberate debt avoidance and outstanding CCJ's you are not paying.

 

I can't see these debts being a problem and if you had to leave the UK previously there is a reason you could not continue repayments.

Thank you for the information, it sure is helping me to be a bit relaxed .. But will there be any credit checks made on me befor deciding for the grant of visa ? Will the home office do a background check to check debts or bad credit history ??

Secondly, I have not contacted or replied to the emails which I received from the creditors since I left the uk .. This has got me worried

And it's almost 2 years now since February 2014

thanks for your reply,

the creditors in my case are not banks , but a private loan company , and credit card companies like vanquis, and vodafone contracts

i did pay the first installment , but had to leave the uk due to the end of grant of leave in uk,,

now that i got a job offer and want to return under a new visa category, my previous debt is got me skeptical in regards the general grounds of refusal

kindly advise

Hello I am new to Forums and I need advice in regards to below

I was in UK under Tier 1 PSW permit until February 2014 , and had personal loans of GBP 2000 and un paid credit cards and phone contracts not more than 6000 GBP in total, I could not repay them since i left the country due to expired leave to remain .

and I have checked on the trustonline.org.uk - i do not have any CCJ against me

I am concerned this debt which I owe to the Creditors will hinder my new tier 2 (general) visa application

Kindly advise me, will this debt will come under General Grounds of refusal - under Deliberate Debting

your reply and advise will be really helpful and appreciated

Hello ,

I am a new user and I need some help/advice in regards with Debt and Tier 2 Visa application

I was in UK under Tier 1 PSW permit until February 2014 , and had personal loans of GBP 2000 and un paid credit cards and phone contracts not more than 6000 GBP in total, I could not repay them since i left the country due to expired leave to remain .

and I have checked on the trustonline.org.uk - i do not have any CCJ against me till date

I am concerned this debt which I owe to the Creditors will hinder my new tier 2 (general) visa application

Kindly advise me, will this debt will come under General Grounds of refusal - under Deliberate Debting

your reply and advise will be really helpful

regards

Faz

I used to work for the UKBA and I can confirm that any debts you have in the UK, be they statute barred or not, would not affect your ability to be granted a visit visa.

 

Providing you can prove that the visit is genuine and affordable and that, on the balance of probabilties, you will comply with your visa and leave the UK on time then you will be issued a visa. If you are issued with a visa it will be in your passport and the UKBA database, it certainly wouldn't be passed onto any third parties.

 

The Entry Clearance Officer will want to see proof that you can afford the trip, wage slips, bank statements and the like, and that you will return to your country of residence, proof of employment is good for this, that's why they want your employers details as they sometimes check.

 

There is absolutly no chance of you being refused entry into the UK or detained because of any debts you may have, the system simply isn't in place to do it, the only caveat to that would be if the debts were fraudulenty obtained and criminal action was possible, but even that is unlikely unless there is a warrant for your arrest.

 

There is also no chance that an ECO would advise your employer of any debts, the UKBA wouldn't know unless you told them.

ello theoldgit :

I have come across one of your replies in regards to Visa Application UK

I was in UK under Tier 1 PSW permit until February 2014 , and had personal loans of GBP 2000 and un paid credit cards and phone contracts not more than 6000 GBP in total, I could not repay them since i left the country due to expired leave to remain .

and I have checked on the trustonline.org.uk - i do not have any CCJ against me

I am concerned this debt which I owe to the Creditors will hinder my new tier 2 (general) visa application

Kindly advise me, will this debt will come under General Grounds of refusal - under Deliberate Debting

your reply and advise will be really helpful and appreciated