uk Debts and living in NZ

[Kec]

Thank you for the info guys. It is much appreciated.

[thedtb]

Thank you 3tea and steveab1

[Thalgo]

Hello again. Do any of you know about the statue of limitation in New Zealand for secured/unsecured debt? Thanks in advance.

[cerberusalert]

http://www.legislation.govt.nz/act/public/1950/0065/latest/DLM262437.html

[katchi08]

Guys again in a similar situation. I have in addition 7.5k owing to the HMRC. Can someone shed light on what may happen if I do not contact them?

[cerberusalert]

I'm afraid HMRC is one creditor that will chase you to the end & if needs be take it through the courts there. It would be better to try and come to some form of arrangement sooner rather than later because if they do manage to get a judgment against you it will be enetered on your credit file there.

[katchi08]

Thanks for your reply. I read in this forum that if I am not living in the UK currently court cannot issue CCJ? My accountant has informed the HMRC that I am not living in the UK.

[cerberusalert]

Thanks for your reply. I read in this forum that if I am not living in the UK currently court cannot issue CCJ? My accountant has informed the HMRC that I am not living in the UK.

 

If you have property or any business interest in the UK it is still possible for them to bring an action there, otherwise because of reciprocal agreements between the UK & NZ they can bring an action against you in NZ.

[katchi08]

Where can I read the reciprocal arrangement?

[cerberusalert]

http://www.consumeractiongroup.co.uk/forum/showthread.php?250889-Can-I-Be-Sued-For-An-Overseas-Debt-(1-Viewing)-nbsp

[katchi08]

Many thanks, will try reading.

[thedtb]

Hey guys, a new development, my partner recently received an email from Blu3ston3 R3coveries in the USA (sent unannounced to a work email addresses that they've presumably found online).

 

The email lists the amounts that we both have outstanding to a financial outfit in the UK and "politely" requests that we advise them how best to resolve the balance(s).

 

We are in no position to be able to afford even a token gesture monthly payment.

 

Clearly we'd prefer such emails not to be going to my partner's work email address.

 

Any advice as to how to deal with this?

 

Thanks

[cerberusalert]

They are fishing for a bite from him he can either just continue to ignore them or bounce the emails back to them.

 

There's a nifty little program he can use http://www.mailwasher.net/ where he can bounce emails back to the sender as undelivered. The free version allows one email address IIRC but allows you to read all emails before you decide what you want to do with them.

[unclebulgaria67]

Hey guys, a new development, my partner recently received an email from Blu3ston3 R3coveries in the USA (sent unannounced to a work email addresses that they've presumably found online).

 

The email lists the amounts that we both have outstanding to a financial outfit in the UK and "politely" requests that we advise them how best to resolve the balance(s).

 

We are in no position to be able to afford even a token gesture monthly payment.

 

Clearly we'd prefer such emails not to be going to my partner's work email address.

 

Any advice as to how to deal with this?

 

Thanks

 

Sounds a bit iffy if you ask me. A US debt recovery company trying to recover a UK debt for a person living in NZ.

 

Suggest that you ignore and block emails from this company. I would suggest that treat the email in the same way, as the ones telling you that a relative of yours had died leaving 25 million and all you had to do was pay $250, so that the necessary work could be done to release the money.

 

They are an established company, but they may just be dealing with an international 'fishing' list, hoping to get a bite. I am pretty sure that they have been mentioned numerous times on here and they just appear to send emails, plus make a few phone calls for a period, before giving up. Your partner should be prepared to get a phone call at work from this company, if the companies phone numbers are listed online.

[thedtb]

They are fishing for a bite from him he can either just continue to ignore them or bounce the emails back to them.

 

There's a nifty little program he can use mailwasher.net where he can bounce emails back to the sender as undelivered. The free version allows one email address IIRC but allows you to read all emails before you decide what you want to do with them.

 

Thanks for the heads up about this program, I may start using it on our personal email accounts.

 

The problem my partner would have is that they work for a Local Authority and don't therefore have control over their email account settings etc so wouldn't (I'm assuming) be able to use such a program. Frustratingly my partner's email address (along with many others) is displayed on the employer's website and with quite a unique name it's no wonder really that they found it.

 

We'd like to be able to tell these guys not to contact my partner via work, but then I expect that ignorance is probably the best method because making contact is likely to encourage further contact from them... but equally would prefer that my partner isn't harassed at work.

 

 

Sounds a bit iffy if you ask me. A US debt recovery company trying to recover a UK debt for a person living in NZ.

 

Suggest that you ignore and block emails from this company. I would suggest that treat the email in the same way, as the ones telling you that a relative of yours had died leaving 25 million and all you had to do was pay $250, so that the necessary work could be done to release the money.

 

They are an established company, but they may just be dealing with an international 'fishing' list, hoping to get a bite. I am pretty sure that they have been mentioned numerous times on here and they just appear to send emails, plus make a few phone calls for a period, before giving up. Your partner should be prepared to get a phone call at work from this company, if the companies phone numbers are listed online.

 

Reading up on their website they claim to specialise in Global Debt Recovery offering a no-win-no-fee service SO I'm not that surprised that it's been farmed out to them.

 

As for my partner being telephoned at work. The nature of my partner's role there would make it particularly difficult to take a telephone call during their day, but then we're concerned that colleagues of my partner's will be left fielding continuous messages... it could get quite embarrassing.

[3tea]

Thanks for the heads up about this program, I may start using it on our personal email accounts.

 

The problem my partner would have is that they work for a Local Authority and don't therefore have control over their email account settings etc so wouldn't (I'm assuming) be able to use such a program. Frustratingly my partner's email address (along with many others) is displayed on the employer's website and with quite a unique name it's no wonder really that they found it.

 

We'd like to be able to tell these guys not to contact my partner via work, but then I expect that ignorance is probably the best method because making contact is likely to encourage further contact from them... but equally would prefer that my partner isn't harassed at work.

 

 

 

 

Reading up on their website they claim to specialise in Global Debt Recovery offering a no-win-no-fee service SO I'm not that surprised that it's been farmed out to them.

 

As for my partner being telephoned at work. The nature of my partner's role there would make it particularly difficult to take a telephone call during their day, but then we're concerned that colleagues of my partner's will be left fielding continuous messages... it could get quite embarrassing.

 

I would contact the creditor in the UK and lodge a formal complaint that they have breached the Data Protection Act by releasing personal data to an organisation outside of the UK. I think you do it by contacting the Data Commissioner in the UK.

[thedtb]

I would contact the creditor in the UK and lodge a formal complaint that they have breached the Data Protection Act by releasing personal data to an organisation outside of the UK. I think you do it by contacting the Data Commissioner in the UK.

 

I'll look in to that - thanks!

[3tea]

I am in NZ and was following a thread last year whereby a load of people in Australia were taken to court by an Oz DCA for UK debt, and their Oz credit file was trashed. It transpired (I think) that the debts had been sold to the Oz DCA having had the personal data 'laundered' through Canada who apparently have some data exchange agreement with the UK.

The Oz DCA got into some serious trouble with the OZ authorities as I think it suggested to the Court that the debts were legitimate Oz debts.

So debt sold to a DCA in Canada, then on sold again.

 

You may well find that this debt has been purchased by the US firm via Canada.

 

I am not 100% sure about the above, but it certainly warrants further investigation.

Data Protection breaches are quite serious, so I would check out what I have suggested.

In any event, if they don't have a CCJ against you properly obtained in the UK, the debt can't under any circumstances be enforced in New Zealand.

 

I agree with earlier advice, and this US shower have purchased a load of toxic UK debt and are chancing their arm. Inconvenient? - yes, Collectable-no

[thedtb]

Thanks 3tea, much appreciated.

[unclebulgaria67]

Thanks 3tea, much appreciated.

 

Your partner could email them back, saying that they have contacted the wrong person and query why they have sent information related to a third party to a business address. It might make them think.

 

Even if your partner has an unusual name, there may be several people in NZ with the same name, some who are not listed online anywhere. My name is fairly unusual, but there are at least half a dozen in the UK and more worldwide.

[3tea]

Go to this page and have a read. There are some countries where sending data is acceptable it seems, so I may be getting you to bark up the wrong tree....

 

It's all a bit vague and woolly, but it would seem that data to the US may be ok as long as the recipient of the data operates under the Safe Harbor scheme, which Bluestone apparently does according to their website.

 

http://www.ico.gov.uk/for_organisations/data_protection/the_guide/principle_8.aspx

 

cheers,

 

3tea

Edited July 16, 2012 by 3tea