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Hello all,
I have been reading a similar case to mine “Dealing with DCAs from Abroad but have some aspects to my situation to which I would be grateful for your advice.
Apologies for the length of the post in advance.
I have abroad for 14 years with no sign of returning to the UK.
I took out a credit card with RBS in 1990 whilst living in the UK. I left the UK to work in 2000 and regularly paid my credit card bills until I lost my job in 2009/2010.
For the next 2 years I was either unemployed or working with a start-up company where the wages were just sufficient to feed my family (around £300 per month). This is in a country where there is no such thing as unemployment benefit or the NHS or free schooling. You can imagine how these 2 years destroyed me financially.
After losing my job and missing credit card payments the RBS transferred my debt to a DCA. I tried to make payments but during those 2 years defaulted; the last payment was over a year ago. Then my debt was passed from DCA to DCA.
Living abroad I either receive mail either to my parent’s address or to a mail forwarder (PO Box) in the UK.
My parents have received a letter (addressed to me) from Regal Credit Consultants regarding my debt. I contacted Regal Credit saying that I had not lived at that address for over 25 years and that I wouldn’t discuss anything else with them over the phone. They said it was my last recorded address on their records so I gave them the PO Box to contact me.
My main concern is to stop Regal Credit Consultants from writing to and now calling my elderly parents.
The lady from Regal Credit did threaten that if I didn’t contact them after they wrote they would send someone for a “home visit”. I asked would they send someone on a plane 4,000 miles and she replied no it would be to the last “real” address - my parent’s.
While I know this is probably an empty threat I want to ensure it doesn’t happen.
So my questions to the forum are:
How do I immediately stop Regal Credit harassing my parents and do I give them my “real” overseas address as they do not accept the PO Box as anything other than a mail forwarder?
Once I receive their letter do I ignore it or proceed with the “prove it letter”/CCA procedure?
While there may be legislation regarding debt collection in the EU what chance, if any, do DCAs have of pursuing a debt outside of the EU area and would they perceive it as too difficult/un-profitable?
Thanks for your advice
I have been reading a similar case to mine “Dealing with DCAs from Abroad but have some aspects to my situation to which I would be grateful for your advice.
Apologies for the length of the post in advance.
I have abroad for 14 years with no sign of returning to the UK.
I took out a credit card with RBS in 1990 whilst living in the UK. I left the UK to work in 2000 and regularly paid my credit card bills until I lost my job in 2009/2010.
For the next 2 years I was either unemployed or working with a start-up company where the wages were just sufficient to feed my family (around £300 per month). This is in a country where there is no such thing as unemployment benefit or the NHS or free schooling. You can imagine how these 2 years destroyed me financially.
After losing my job and missing credit card payments the RBS transferred my debt to a DCA. I tried to make payments but during those 2 years defaulted; the last payment was over a year ago. Then my debt was passed from DCA to DCA.
Living abroad I either receive mail either to my parent’s address or to a mail forwarder (PO Box) in the UK.
My parents have received a letter (addressed to me) from Regal Credit Consultants regarding my debt. I contacted Regal Credit saying that I had not lived at that address for over 25 years and that I wouldn’t discuss anything else with them over the phone. They said it was my last recorded address on their records so I gave them the PO Box to contact me.
My main concern is to stop Regal Credit Consultants from writing to and now calling my elderly parents.
The lady from Regal Credit did threaten that if I didn’t contact them after they wrote they would send someone for a “home visit”. I asked would they send someone on a plane 4,000 miles and she replied no it would be to the last “real” address - my parent’s.
While I know this is probably an empty threat I want to ensure it doesn’t happen.
So my questions to the forum are:
How do I immediately stop Regal Credit harassing my parents and do I give them my “real” overseas address as they do not accept the PO Box as anything other than a mail forwarder?
Once I receive their letter do I ignore it or proceed with the “prove it letter”/CCA procedure?
While there may be legislation regarding debt collection in the EU what chance, if any, do DCAs have of pursuing a debt outside of the EU area and would they perceive it as too difficult/un-profitable?
Thanks for your advice
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