Moved from UK to ROI, can debt follow me?

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BlackIreland

Guest
I lived in the UK for 24 years, from birth. I ran up some student debt at university, like many! I paid off some loans and credit cards while i lived in the UK, but now live in the Republic of Ireland and have done since 2007. I am now a housewife.

My last payment off these loans etc was back in 2007. Can i be 'chased' to the ROI for them, they would total approx £4000 from various lenders.

A letter arrived at my mothers house (in the UK) addressed to me a few weeks ago from Apex Credit Management telling me they had checked with 3 credit reference agencies and knew that i still lived at that address (eventhough I havent since 2002).

Am just curious as to how i should proceed.
 
They can in theory follow you if they obtain your details here. What they are likely to do is obtain CCJs in the UK and attempt to enforce them which they will fail. If your mother gives them the details when the bailiffs call they will try and chase you here.
 
She would be in no way liable for my debt would she?

My husband has a great job down here, and i've been able to be a stay at home mum (so have no income of my own to pay debt back). Would he now be liable for it also, even though the debt was incurred before we even met?
 
Only you is liable for your debt.

Your mother or husband have absolutely nothing to do with what you owe. It is down to you alone.
 
BlackIreland said:
My husband has a great job down here, and i've been able to be a stay at home mum (so have no income of my own to pay debt back).
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If as a couple it’s decide that you should be a stay at home Mom, surely whatever income comes into the household is then a joint income.

Why not just pay off the debt ?
 
If it doesn,t bother you not to pay the debt(like a lot of so called high-up people in this country) then don't pay. It is your choice. I hope it never catches up with you,
 
BlackIreland said:
She would be in no way liable for my debt would she?

My husband has a great job down here, and i've been able to be a stay at home mum (so have no income of my own to pay debt back). ?
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YOu have a moral duty to pay back the debt, put a little by from your housekeeping every week and pay what you owe. You can afford it unlike others on this forum who have suffered redundancy and have serious financial problems.
 
twofor1 said:
If as a couple it’s decide that you should be a stay at home Mom, surely whatever income comes into the household is then a joint income.

Why not just pay off the debt ?
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You sound like a solicitor that tried that line on a debtor in court only to be held in contempt by the judge. A spouses income cannot be taken into account in the calculation of means to pay a debt.
 
Marietta said:
YOu have a moral duty to pay back the debt, put a little by from your housekeeping every week and pay what you owe. You can afford it unlike others on this forum who have suffered redundancy and have serious financial problems.
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Morals have no place in a court of law. Again a spouse is not liable the other spouses debts.
 
Moral Ethos said:
A spouses income cannot be taken into account in the calculation of means to pay a debt.
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I never said it could.

My point is I would not expect my wife to return to work to pay off this debt, our child’s care would be my main priority.

If my wife is at home minding our child, we are both at work.

I would consider my income to be joint income.
 
BlackIreland,
I'm curious - why don't you just pay back what you borrowed? Does it not bother your conscience that you owe someone money?
 
As you can see, this was my first post on this site. I joined after reading helpful and positive feedback from other members on similar issues to my own.

I do not believe in 'self pity', which is why i didnt pedal some sob story as to why i ended up in debt (the small amount that it is). In fact, I was made redundant in 2007 in the UK. My husband was made bankrupt in 2000 after his business failed. He lost his home in the process. We know as well as anyone how difficult times can be. We are lucky as I said, that he can provide for us both now.

Childcare in Dundrum, Dublin (for those of you who do not know) is approx €1200 pcm for a reputable organisation that i would feel happy leaving my 6 month old daughter with. It is therefore not a financially viable option for me to return to work.

I would also like to add that neither myself nor my husband have ever claimed benefits of any nature, and are not out to 'play the system'.

Please think very carefully before judging the users of this site, who are simply asking for advice in these difficult times!
 
BlackIreland said:
Please think very carefully before judging the users of this site, who are simply asking for advice in these difficult times!
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With respect,

The information you gave in your original post was that you owed a small amount of money, your husband had a good job, and these companies were looking for payment.

Your question was how you should proceed.

Based on the information you provided, I and others simply asked why not repay it.

I am not judging you, I don’t think anyone else is either.
 
With Respect,

twofor1 said:
My point is I would not expect my wife to return to work to pay off this debt, our child’s care would be my main priority.
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....is not 'non judgemental'. Infact, its darn right hypocritical to not expect your own wife to return to work to repay a debt, but yet others should?

I will not be using the site again. Many thanks to those who provided positive and constructive comments!
 
BlackIreland said:
With Respect,



....is not 'non judgemental'. Infact, its darn right hypocritical to not expect your own wife to return to work to repay a debt, but yet others should?

I will not be using the site again. Many thanks to those who provided positive and constructive comments!
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Why so angry?
 
Marietta said:
YOu have a moral duty to pay back the debt, put a little by from your housekeeping every week and pay what you owe. You can afford it unlike others on this forum who have suffered redundancy and have serious financial problems.
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Not angry in the least Marietta. Just surprised by everyones take on the moral highground. I guess I'm just not so quick to point the finger at others misfortune (as there are always 3 pointing back).
 
As others have said, why not pay it back? I moved from UK to ROI six years ago in a fair bit of debt. Its all been paid off and I am now saving. A good friend of mine left and didn't pay off her debt., it looks like she has got away with it as they haven't tracked her down in six years, but they got close a few times! Anyway, my conscience and credit record is clear. If you can pay, you should, its as simple as that. How would you like people borrowing your money and not paying it back?
 
BlackIreland, as far as I can make out, no-one was judging you in the way you think but sometimes even a person of integrity has to give some background - there are a lot of people posting on this website who are totally out to screw the system in any way they can, expect advice as to how to do it more, and for people to join in with them in laughing at the poor sods that actually do the right thing when they can.
Nothing against this website (I love you, askaboutmoney!) but these type of posters make the rest of us wary, especially in present economic times with so many of us in difficulties.
With regard to your loan I do think the Bailiffs will catch up with you eventually, and that you are still legally liable for the amount owing. If you do decide to sort it out in the future try www.mabs.ie, if you send them an email query they should be able to give you some manageable options.
 
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