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MARTIN | I AM in USA and a U.K Credit Card Company has issued a CCJ in a Uk County Court,I have heard nothing since.? |
Former UK Resident,Debts Unsecured and have been in arrears for 3 Years now.I have heard nothing from the Court. |
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Lawyer
 |
You are in the credit ref. agencies already!Your name is f****d up |
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B P
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The judgement stands for 6 years from the date it was issued and then is wiped from court records. If the company do not contact you for 6 years, then the debt is resolved. However if they contact at anytime before the period is up and this could be the week before the six years expires, then the debt will be collectable for another six years, although they would have to get another judgement.
Stop telling people where you have moved to or pay the debt.
Don't listen to Studly who obviously did not read your question properly and does not have a clue about UK debtors law. CCJ means there is a judgment against you and that is enforcable in the USA. Depending on how much is owed, your creditors could ask the court to place an order against your earnings and if your creditors are an international company, there is nothing to stop their USA branches pursuing you if they know you have moved there.
If you want credit in the US then you will have to go through the usual checks and there is nothing to stop a US company obtaining your UK records.
If you receive any correspondence from this company and they can prove that you received it, the '6 year out of time' rule will start again.
Like I said before, do not tell anyone you have moved and try to stay below the radar for another 3 years. Or you could even try to pay the debt off. |
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kirsty d
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Contact the company .. if you leave it .. it will only get worse and u will worry about it |
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needanswers
 |
ha ha lucky you
they have made you black listed here in the UK
this means you can't get hire purchase anywhere in the u.k for at least 5 years
but don't worry it ain't a criminal offence
and if you in the USA now why worry
i don't think they will be extraditing you for a few quid lol |
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STEVE T
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are you planning to return to the uk? if your not then dont worry,even if you are dont worry these county courts are useless at trackin people down but you will be refused credit (in the uk) if you do try to purchase goods on the knock so next time pay your bills there is no free lunch old boy |
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Latin Techie
 |
They will write to you at your last known U.K address, thats it. |
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angie n
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the credit card company must know that your now living in U.S.A. has they have wrote to you,try to resolve is in your best interest,try to re arrange with a company that is in the U.S.A,don't agree to an amount of more than you can afford |
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hayley a
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If you do nothing about it you will always be black listed in the uk.
I dont know if that will affect you in the u.s but if you ever want to come back to the uk it will just cause you endless credit problems. Phone them and just agree to a low payback scheme. |
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♥Pamela♥
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Well,. they are probably hassling whoever lives at your uk address. My sister emigrated to the states and left my mom being inundated with letters demanding that she pay the money or be taken to prison. You have to get in touch with the people you owe the money to and hope that some inncent person here isn't being unfairly pressured into paying your money.
The debt collectors find it easier to hassle English people than keep writing overseas, but you do need to get this sorted. |
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Jez
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You may find that you have an outstanding warrant. |
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Studly
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Wow. So many terrible answers I don't know where to start. Just ignore them all, ok?
You say "former" UK. I assume that means you do not intend to go back there.
UK credit problems do not "merge" with the US credit reports. Enforcement of foreign judgements is EXTREMELY difficult and costly to the creditor, so unless this is a very large sum of money they will not do anything.
has this CC company actually sent you anything to your US address? Or did you just hear about it? Has a suit been filed? Do you actually owe this money?
I don't know anything about the court system in the UK, how their process service works, or their court rules. Here in the US, you can't sue someone without first locating them (or performing a "diligent search"). In the event the creditor manages to get past this hurdle, they will issue a default judgment against you and can proceed to go after your property.
Remember I said foreign judgments are not recognized in the US? So if you have no property back home you don't need to worry about it. |
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Tallboy
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Contact the company. This will not go away, finance is an international operation and you will have problems forever if you dont sort it out. |
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old know all
 |
The UK County Court can't enforce the order if you have no assets in the UK. If you return to the UK, you will be unable to get credit.
The company may well seek judgement in a US Court. If this happens, things will start getting expensive. I suggest you contact the company and offer them a deal. |
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aelnet10
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Just don't come back to the UK and you'll be alright |
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Stephanie C
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I moved to Portugal and when I got back found out I had a CCJ in my credit report. I filled in a county court claim and went to court - was able to prove that I was not at that address where they sent the papers to and the CCJ was removed from my record. If your court case has not yet taken place you can call the company and arrange some sort of settlement with them. If you don't they will take out a CCJ and it will stay on your credit records for 6 years. After that they can reapply and put it back on so you could have it for some time! I had one recently and arranged repayments just as the case was about to go to court. Having a CCJ will affect your credit score and affect you getting good financial deals in the future in this country. I had to get a mortgage at a higher rate because of this and would recommend you try to sort it out as in the long run it only causes headaches. Good luck |
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Toerag
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Check you credit rating online with Experian.
Depending on the amount of debt you owe the credit card will depend on them to write this off. If it a large amount they will hand this to a debt collection agency. Again, based on the level of debt they may pursue you in the USA. Best to sort it out if you decide to come back to the Uk and apply for credit. |
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Masterwho?
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If they have started proceedings, they are on your trail and will get you. Do not be a fugitive they have got the power to mess up any future financial arrangement that you may get involve with. Contact the CAB who will advise you for free, unless you intend to stay in the US |
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George B
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another 2 years of no contact and they will write it off - if you can cope with worrying that long? |
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