Debts in UK, now live in EU after job loss

[Stevvers]

My role in the UK was made redundant and I had to return to the EU mainland. I have credit card debts with NatWest, Halifax and Virgin Money (£5000 each).

 

I wrote to my creditors to offer token payments as a temporary plan to get back on my feet. Instead of writing back to address my query, they call my mobile and send boilerplate letters. One month after my original letter, Virgin has finally sent me an email that actually acknowledges the points I made in my letter -- they want a budget. 

 

I am staying with family and make some money with freelance work, but the income is wildly unpredictable, so giving them a budget is impossible.

 

Realistically, what are the next steps going to be?

Will they hold action for a few more months? I

f they decide to default my accounts, what happens after that, given my EU location?

I have no assets.

 

I would be exceedingly grateful for any advice!

[dx100uk]

what action?

all they will do is sell it to a no powers DCA

pers i'd never send I&E's 

only a judge can demand those pers details.

 

 

[Stevvers]

Thank you for your reply. So there is no chance of being taken to court in my current location?

[dx100uk]

the credit was attained in the uk.

 

 

[unclebulgaria67]

Cross border debt collection theoretically possible, but unlikely. 

 

Just write to tell them your situation and provide foreign address. Ask them to write you, if they wish to communicate.

 

[Stevvers]

Capquest have started ringing my phone. I am ignoring them. No letters received yet -- just missed calls.

 

All of my debts have the correct current address outside the UK -- but is there still a risk that they might seek to obtain a backdoor CCJ using my old UK address? I updated the address promptly after leaving -- almost two years ago -- so in principle they have no excuse to use a UK address that's two years out of date.

[dx100uk]

not a chance

I will guess its a mobile?

no assets anyway I will guess?

[Stevvers]

Yes, it's a mobile number (my UK number -- still paying that bill every month).

 

No assets.

 

Another creditor sent a letter advising that Wescot will be handling the debt. Wescot has not been in touch yet, however.

 

I should ignore the calls and letters, right?

[dx100uk]

you are very safe to totally ignore everything.

 

should you wish

 

there is no harm in winding them up...