car repossession

C

caffers

Registered User
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11
I moved to Ireland with my firm and got a HP car contract. Unfortunutly due to personal circumstances had to return back to the UK. The car was repossessed in Ireland. Its been 6 months now and today a bloke arrived at the door, spoke with the wife asking for me about the car that was repossessed in Ireland. Does anybody know where I stand with this. I thought the Irish laws were different ? Northern ireland yes, but Southern ? Am I still liable to pay? Any advice is appreciated.
Thanks Phil
 
If the car was repossessed 6 months ago, the HP company should of sold it by now. Any difference in the sales price versus the amount outstanding on the loan plus costs will be due by you. Same situation in the UK as far as I know.
 
Thanks, but I dont live in Ireland anymore, my residencey is the UK, the bank repo-ed the car in Ireland, it was an Irish bank. I know of many a man leaving these shores due to non payment of tax - english going to ireland and or vice versa ect :0)
 
There are also UK-based debt collection companies working for Irish-based firms attempting to collect debts in Ireland.

Why would the same debt collectors not try to collect debts in England?
 
The laws between Ireland and the Uk changed about three yeats ago and amongst many things persons can be extradited between both countries for Tax evasion. If they are able to find you which they have done, they will press for the debt. Sorry for the bad news but you are better finding out now before it's to late.
 
dont understand why you think you should not pay ? what if we all took this approach ? dump our debts and just disappear, too much of this going on so good luck to the debt collectors and tough luck to you, mate.
 
lorna said:
dont understand why you think you should not pay ? what if we all took this approach ? dump our debts and just disappear, too much of this going on so good luck to the debt collectors and tough luck to you, mate.
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True, OP has to face up to his responsibilities.
 
when I joined this website I was looking for professional help and advice, I'd read a few past comments and I decided to join. All this has been is a chance for people who 'think' that they have the right to criticize and judge me. You dont know me and you certinley dont know my background or circumstances. things can change overnight and they do, somebody who has everything can suddenly, through no fault of their own, end up with nothing, but thats life, you just have to pick yourself up and get on with it. So to the people out their who sit behind their screens who probably think that it is their 'right' to respond to my blog, then please dont bother, my family and close friends can criticize me, but complete strangers, I think not.

If you havent got any professional or legal advice, then get a life, and go and play elsewhere, because its not funny nor is it big, but then again you probably dont get out much nor do you have a life ! and dont bother posting stupid reponses.
 
Good on you!. I came across this site too in the early hours looking for advice. It looks like its a great site overall with genuine concern shown. Nobody can cast stones as to how our life circumstances change overnight. They can and they do. One minute you think you have it all, the next, its a different story. I hope things work out for you and you get it sorted.
 
caffers said:
when I joined this website I was looking for professional help and advice, I'd read a few past comments and I decided to join. All this has been is a chance for people who 'think' that they have the right to criticize and judge me. You dont know me and you certinley dont know my background or circumstances. things can change overnight and they do, somebody who has everything can suddenly, through no fault of their own, end up with nothing, but thats life, you just have to pick yourself up and get on with it. So to the people out their who sit behind their screens who probably think that it is their 'right' to respond to my blog, then please dont bother, my family and close friends can criticize me, but complete strangers, I think not.

If you havent got any professional or legal advice, then get a life, and go and play elsewhere, because its not funny nor is it big, but then again you probably dont get out much nor do you have a life ! and dont bother posting stupid reponses.
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What a rant.

Yawn.
 
Bluetonic said:
What a rant.

Yawn.
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I think these 2 posters have a point, HOWEVER regardless of how banks account for or write off bad debts, it's the other customers of the same institution that ultimately foot the bill, through slightly higher rates etc.
 
rmelly said:
I think these 2 posters have a point, HOWEVER regardless of how banks account for or write off bad debts, it's the other customers of the same institution that ultimately foot the bill, through slightly higher rates etc.
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True enough they have a point, albeit very muted.

When someone posts on a public forum they should realise they are open to criticism. Poor auld 'caffers' thinks he is beyond this.
 
lorna said:
dont understand why you think you should not pay ?
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Did OP say that or are you presumptuous and judgmental ?
My understanding is that OP is simply asking a question, inquiring about his rights. No harm in that?
 
bacchus said:
Did OP say that or are you presumptuous and judgmental ?
My understanding is that OP is simply asking a question, inquiring about his rights. No harm in that?
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I would say the OPs intentions are quite clear.

caffers said:
I know of many a man leaving these shores due to non payment of tax - english going to ireland and or vice versa ect :0)
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rmelly said:
I think these 2 posters have a point, HOWEVER regardless of how banks account for or write off bad debts, it's the other customers of the same institution that ultimately foot the bill, through slightly higher rates etc.
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No, it's the shareholders who suffer in the end.


Murt
 
The other customer rate(s) reflect/factor in an expected delinquency rate, so shareholders don't have to suffer.
 
OP - I don't think they would extradite someone for car debt. In fact I've never heard of anyone being extradited unless it was serious crime (murder etc).
 
It is an interesting topic and one which is often relevant on AAM.

There are two avenues to this - the OP is asking whether legally there is any recourse for the debt which occurred here in Ireland and to this I believe there has to be a straightforward yes or no answer.

Secondly, there is the moral and honourable side of it, should the OP pay, or come to some arrangement to pay off the debt over time, morally is it as easy as getting on a boat or plane to the UK or where ever and leaving your debts behind you in Ireland (for whatever reason)

Really what the OP is asking is - can I just walk away from this debt? There have been similar posts, people going travelling and leaving their credit card debt behind them, etc.

I would be interested to know where the MODS stand on these type of posts. If someone from a legal or debt collection background were to post a yes, would it encourage people not to pay. I am sure there are many legal avenues as regards a lot of posts with regard to debt and legal issues which if answered truthfully would lead to the OP(not this one in particular)being able to turn their backs on debts they have built up.
 
Boys 'n girls....just a personal thought on this thread.... LIFE (meaning we ourselves and our choices etc) can deal some nasty 'belly blows' and leave one not only emotionally but often financially on ones knees. MOST folks don't build a modern credit based life-style with the intention to hit the wall and run away from their bills. It's humiliating and one can't always ask friends and family what to do.... ESPECIALLY when it's yer own friggin' fault. The OP is just asking for a bit of advice in an anonomous place from folks with (hopefully) a bit more knowlage then himself. Yup he's gone and left the country and it looks like he might not be able to pay his bills.....right at this time anyway..... not nice but part of life. So my humble advice OP, do your best to work out a payment plan €10 per month is better then zero....remember that when somebody don't pay their bills it ALWAYS hurts somebody somewhere in the pocket 'cause the agreement was broken. So hitch up your pants boy and pay the bill the best way you can.....even if it's slow so long as it's steady.
 
Bluetonic said:
What a rant.

Yawn.
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I don't consider that a Rant. It was just a point. Caffers was asking for advice. This Lorna didn't know his circumstances but just went straight on the attack. .. and no in case you think, I never skipped off in debt.



whats the point in writing in 'yawning' anyway?

have a good day.
 
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