TartanTrews
New Member
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Sorry you see it as avoiding paying my debts. There wasn't any opportunity for me to challenge any of the additional debit put on to my mortage so I don't know if they are actually 'my debts'.You are not going to get help on this forum about how to avoid paying your debts.
Otherwise I have no knowledge but the UK is clearly the most common destination for debtors who have left Ireland. It's easier to chase people too as the language is the same and legal system very similar.
There wasn't any opportunity for me to challenge any of the additional debit put on to my mortage so I don't know if they are actually 'my debts'.
Ended up agreeing to hand over house to receiver in 2016. Never heard anything at all from receiver but house was sold in 2017 with a residue debt of €15kish
The OP asked two simple questions, and he is as entitled to have the relevant information as any one else. We have no idea how he came to be in this situation and it is really none of our business.You are not going to get help on this forum about how to avoid paying your debts.
To take the second question first. Where a creditor obtains a judgement in an English court they can engage an Irish lawyer to apply to the Irish court to have that English judgement endorsed by the Irish court. So while the English judgement has no effect in Ireland, it is a relatively easy matter to get a Irish judgment on the back of an English one. I presume the same process applies in reverse and in Scotland.My question is would anyone really come after me in UK for €8k? Are judgements in Ireland easily enforced in Scotland? And any advice on what should I do?
Thank you cremeegg. the latest correspondence is telling me they have passed my file to their legal dept and they will be 'issuing a formal letter of Demand with associate instructions to institute Judgement proceedings'.The OP asked two simple questions, and he is as entitled to have the relevant information as any one else. We have no idea how he came to be in this situation and it is really none of our business.
To take the second question first. Where a creditor obtains a judgement in an English court they can engage an Irish lawyer to apply to the Irish court to have that English judgement endorsed by the Irish court. So while the English judgement has no effect in Ireland, it is a relatively easy matter to get a Irish judgment on the back of an English one. I presume the same process applies in reverse and in Scotland.
It would appear from your post that UB have not obtained a judgement in Ireland yet.
I do not know if claiming that the debt was statute barred would succeed.
As you have received correspondence claiming different amounts, do you have a defence against the €8k being claimed.
Wether they would go after you to Scotland for €8k probably depends more on the creditors policy. Some have a policy of pursuing everything, some do not spend more than the cost of postage. The amount is large enough to be worth engaging solicitors but they have to balance that against the likelihood of getting paid even if successful.
I would suggest that your best course of action is to do nothing unless/until you receive a court summons. It costs them very little to write to you and probably very little to send a solicitors letter, (debt collectors get bulk discount or sometimes employ their own solicitors). However if they go to the cost of issuing proceedings they will probably keep going until they get a judgement.
Two further points, I am not legally qualified and if you owe the money perhaps you should pay it.
Ulster Bank refused to let me sell the house for around €10k under the total amont outstanding on mortgage in 2014.
Never heard anything at all from receiver but house was sold in 2017 with a residue debt of €15kish (some questionable additions appeared on thestatement I received about empting property and maintenance, etc).
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