Can Irish debt chase my in UK

[dundeeedd]

Hi everyone needing some help with this one.

 

I had a loan with an Irish bank with an outstanding amount of around €7,000. I left Ireland just over 4 years ago and made them an offer to pay €5,000 before I left which they refused, so I left Ireland without paying the loan in full.

 

Fast forward 4 years and i now live in Northern Ireland which is part of the UK and I have received an email from Certus stating that I still owe the bank money and if I do not wish to engage with the bank then he will advise of same and the bank will then make a decision.

 

The questions I have are:

 

• Can the bank chase me in Northern Ireland (UK)
  
• Can They issue a CCJ for my home in Northern Ireland
  
• Can this effect my UK credit score
  
• What response if any can I give to them
  

[*]edd

 

Any help is greatly appreciated.

[unclebulgaria67]

Yes they can chase a debt in N.I and they can also issue a court claim in N.I. Within the EU, there are cross border debt agreements. Whether they would actually issue a court claim in N.I or try to actually enforce the debt, this is not that likely, unless they thought they had a really good chance of recovery. But you should get some local debt advice in N.I, as there may be local legal issues I am not aware of.

 

Normally a credit record relates to one country.

 

http://www.debtaction-ni.net/

 

Don't respond until you get advice from the above, which appears to be the main debt charity in N.I .

[mummy38]

Yes they can. They put a charge on my property in the uk for 80k