Debt in the UK

storyman01

I use to live in the UK and I left an overdraft owing £1000. I moved to the republic of ireland, I am wondering can the debt be enforced here. The bank has my irish address and sent me a letter asking me to return my card and cheque book and reminding me of the debt but is there anything they can do. It annoys me as they were charging me £30 everytime they paid out a direct debit if there was no money in my account and they have made a fortune out of me already, I really don't feel like paying this money to them

Reloc8

They can get a judgment against you in the UK, apply successfully to have it recognised over here, and seek to enforce against you as if it was an Irish court order. All consequences which would follow from an Irish court order would similarly follow.

Aprilsunshine

storyman01 wrote: »

I really don't feel like paying this money to them

Tough luck. You owe it. I don't feel like paying my loans either but I do it.

Anyway as the above poster points out they will get a judgment against you and enforce it here with with no difficulty. They might even get it under new EU small claims procedure. Keep an eye on the post - you'll be getting some warning letters and a judgment registered against you ex parte - also from a practical point of view I would pay it sooner rather than later - they will charge interest/late fees and these will be added. You may have to pay costs the bank incurred in enforcing the judgment.

Not worth it - pay the money.

Our man in Havana

It will not happen for a debt of £1000. Too much bother for something they may never recover.

itsonlywords

storyman01 wrote: »

I use to live in the UK and I left an overdraft owing £1000. I moved to the republic of ireland, I am wondering can the debt be enforced here. The bank has my irish address and sent me a letter asking me to return my card and cheque book and reminding me of the debt but is there anything they can do. It annoys me as they were charging me £30 everytime they paid out a direct debit if there was no money in my account and they have made a fortune out of me already, I really don't feel like paying this money to them

Next time a letter comes from them, you will recogonize it, just write on it "Moved to UK" but do not open it,and they will probably give up, as for a grand it would not pay them to employ a PI. Sometimes they use Irish agents but whenever anybody calls , tell them he moved to UK.I would not worry about it. They have already ripped you off. Scummy bstrds. Dont register for voting as they use electoral lists.

alex73

storyman01 wrote: »

I use to live in the UK and I left an overdraft owing £1000. I moved to the republic of ireland, I am wondering can the debt be enforced here. The bank has my irish address and sent me a letter asking me to return my card and cheque book and reminding me of the debt but is there anything they can do. It annoys me as they were charging me £30 everytime they paid out a direct debit if there was no money in my account and they have made a fortune out of me already, I really don't feel like paying this money to them

Sort your financial affairs out, I have always paid my debts, just because you owe a BANK does not mean its not a debt you have to pay. Write to them and agree to repay the amount owed. Also the fact you had direct debits coming for an account with not money shows that you owe other companies. Sorry I have no sympathy. There are no free dinners on life.

Mr. Presentable

They can come after you. They may do so, and if they do be advised they will add any recovery costs to your debt - including agency fees etc. It could turn into a very expensive small theft that you are perpetrating.

But of course they might not bother. None of us here actually knows what'll happen.

Aprilsunshine

Too dangerous to assume that they won't look for the thousand.

I believe they will. French bank chased me for far less than that.

It won't cost them much at all to do it - there is a new small claims procedure EU wide and their legal dept will be on it in a flash.

alex73

itsonlywords wrote: »

Dont register for voting as they use electoral lists.

So live you life in fear a bank will come looking for money that is rightly
theirs?

Personally I am not a big fan of banks, but that is no reason to man up an pay debts that one owes them.

Our man in Havana

new small claims procedure

Which may not be used for debts.

Anyways if the person does not have the money they will get nothing having wasted all that money in costs. The banks here do the same, waste hundreds and hundreds in the courts only to have a judge award them €5 a month from a single mother on welfare.

r14

EU small claims is available for the enforcement of debts.

Art 2 provides an exhaustive list of exceptions.

2. This Regulation shall not apply to matters concerning:
(a) the status or legal capacity of natural persons;
(b) rights in property arising out of a matrimonial relationship, maintenance obligations, wills and succession;
(c) bankruptcy, proceedings relating to the winding-up of insolvent companies or other legal persons, judicial arrangements, compositions and analogous proceedings;
(d) social security;
(e) arbitration;
(f) employment law;
(g) tenancies of immovable property, with the exception of actions on monetary claims; or
(h) violations of privacy and of rights relating to personality, including defamation.

The procedure costs 15 quid in Ireland - prob a similar amount in England - and is very quick. I'd say people who decide to mitch off without paying banks in other Member States will soon become very familiar with this new procedure.

Reloc8

Bond-007 wrote: »

It will not happen for a debt of £1000. Too much bother for something they may never recover.

I wouldn't agree at all.

Our man in Havana

If the debtor has nothing, it is all a waste of effort.

Mr. Presentable

Bond-007 wrote: »

If the debtor has nothing, it is all a waste of effort.

Agreed, but he doesn't say that - he says he doesn't feel like paying it!