I'm in a similar but more recent situation. Back living & working in Ireland, I have approx £3k outstanding on a UK bank loan, and approx £5k on a UK credit card obtained through the same bank. They do not have an address for me in Ireland, though my Uk ex-employer and the tax office both do. As I'm temporarily financially stretched, I may default on my payments in the short term at least.
Would my ex-employer or the tax office be approached by the bank for my current address, and must they provide it?
Would this debt affect my credit rating & any mortgage application here?
Basically, to what extent are the bank/credit card co. likely to pursue me - my card use hitory may well lead them to reason I'm in Ireland.
Not real proud of what I'm asking here, but I'd really appreciate any informed opinion or guidance.