• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • Please note that LegalBeagles is a public forum and the main areas are accessible to all, and as such, please take care your username or posts do not identify you. There is no need to post claim numbers, names or precise amounts to get support with your case. When uploading documents please ensure that you have properly redacted your personal details. Thank you.

Bank penalty fee for debt, forgotten account

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Bank penalty fee for debt, forgotten account

    Hi,
    I'm student from Poland, two years ago I was working in UK, in London keeping my savings on a regular bank account in Lloyds. When I was leaving UK I transferred all my money and unfortunately, before I closed it, service "ID Aware" that I activated once, automatically took more money than I actually had on this account. Then, as it turned out I started paying huge charges for illegal debt, like 5Ł per day. Unfortunately, because I got robbed in UK and I had ID aware I wasnt able, to settle things from Poland. They required some kind of security code, which they did send me, but to my old, London address, so no one could really help me with that. After a year my account became frozen, so no one from Lloyds as I'm calling, can help me and tell me what's going on and how much do I owe, and what can happen. Now, as I'm physics&matematics student I have to go for few weeks to UK for scientific practice, and I'm scared of what can happen. I don't have any regular income and no such savings to pay what will probably be around 700Ł. Could you tell me what can happen and what can I do?
    I'm panicked and shocked and seeking help wherever I can find such.
    Tags: None

  • #2
    Re: Bank penalty fee for debt, forgotten account

    Hi and welcome!

    First of all, calm down! I have no idea about Poland but, in the UK, debt is a civil matter, being in debt is not a criminal offence, so no-one can do anything to you for being in debt, you have nothing to fear, no-one will alert them to your presence in the UK.

    The worst thing a creditor could do is obtain a CCJ against you. They would have to issue a claim and would send it to the last address they had. If you don't respond with a defence, they would obtain default judgment against you. This would only affect you if you intend to come back to live in the UK and obtain credit in the future, such as a credit card, loan or mortgage, the CCJ would stay on record for 6 years then disappear.

    If you don't live in the UK, there isn't much they could do even if they obtained a CCJ. If you're only coming for a few weeks, then there is nothing to worry about! :thumb:

    Comment


    • #3
      Re: Bank penalty fee for debt, forgotten account

      Thank you very much for your reply.

      I have couple of questions more. When I talked to somebody from Lloyds on the phone, I was told, that they can pass my debt to some claim agency. What would happen then, is my debt will grow bigger because of the claim agency costs, and then it would be cost-effective for them to claim the amount due even from here (Poland). So, you say that it isn't correct, am I right?

      Right, now, what does it mean that CCJ would stay on record for 6 years then disappear? If I come to live in UK in 10 years I still won't be able to get a loan, will I?

      Comment


      • #4
        Re: Bank penalty fee for debt, forgotten account

        Originally posted by leukonoe View Post
        Thank you very much for your reply.

        I have couple of questions more. When I talked to somebody from Lloyds on the phone, I was told, that they can pass my debt to some claim agency. What would happen then, is my debt will grow bigger because of the claim agency costs, and then it would be cost-effective for them to claim the amount due even from here (Poland). So, you say that it isn't correct, am I right?
        They probably meant a debt collection agency. They wouldn't pursue you in Poland or anywhere outside the UK so nothing to worry about.

        Originally posted by leukonoe View Post
        Right, now, what does it mean that CCJ would stay on record for 6 years then disappear? If I come to live in UK in 10 years I still won't be able to get a loan, will I?
        You don't have a CCJ to start with, I was just saying, in the event they got one, it would stay on record ONLY for 6 years. In 10 years time there would be no trace left of it.

        Comment

        View our Terms and Conditions

        LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

        If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


        If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

        Announcement

        Collapse
        No announcement yet.
        Loading...

        upgrade to vip

        Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

        only £15/yr

        Offers available. No subscription traps.

        sign up now



        Search and Compare fixed fee legal services and find a solicitor near you.

        Find a Law Firm


        Working...
        X