I lived in the republic of Ireland for 7 years. Prior to that I am and always have been a UK citizen.
I have since built up an Irish CC debt which I am now (almost) not capable of paying.
As far as my Irish bank is concerned my address is still Ireland despite leaving that address more than 1 year ago. However I have deposied cash in that account via my english bank account which is registered as my mothers address. I can close that account if required.
What I want to know is if I do not pay my Irish CC will it affect my English Credit History. If it is suspect due to the fact i have tranfered funds from my English account (Bank of Scotland) to my irish account (Bankof ireland)) is there anyway I can avoid this debt. I do not plan on returning to Ireland but need to know can a) The bank of Ireland chase me through my Bank of Scotland account. B) Does that affect my UK credit history if they do and C) If I close thus said Bank of Scotland Account and open a new account with a different bank....say HSBC would the Bank of Ireland still be able to track me? Please be aware I have an unusual surname so any cross country checks would be obvios....Can they coss country check?
Thanks for any advice you can give.
Merry xmass and lets hope its a financialy a good year or I'm fecked
Hi Leedvine
First of all I need to know from which part of Ireland are you from. If you are from the Northern Part of Ireland, then your Irish credit card debt may get reflected in your UK credit report and your credit history may get affected. If the credit card agreement was signed in Northern Ireland, the bank can chase you even in UK.
What makes the difference in what part of Ireland the poster is from? Just had my brain working overtime. I imagine regardless they may still be able to trace your ware a bouts from you rother bank account and information. Creditors have a way of tracking down people whom owe money to them. Whether if they can collect or not depends on the laws of the country. Usually a collecotr from one country can not enforce the laws in another thats why I was asking the question about the different parts of Ireland. Is there any statute of limitations in Scottland or Ireland? If so and the debt has not been paid on this may apply.
What makes the difference in what part of Ireland the poster is from? Just had my brain working overtime. I imagine regardless they may still be able to trace your ware a bouts from you rother bank account and information. Creditors have a way of tracking down people whom owe money to them. Whether if they can collect or not depends on the laws of the country. Usually a collecotr from one country can not enforce the laws in another thats why I was asking the question about the different parts of Ireland. Is there any statute of limitations in Scottland or Ireland? If so and the debt has not been paid on this may apply.
Don't the laws for everything and anything kind of stop once you cross the border into another country? I know here in southern California, many times if someone is "running" from the law or whatever they head to the Mexican border cause then they can't be chased by the US police.
credit
Whever you may live, you just can't run away from your credit. Your credit is based on your social security number and other information about yourself. Don't you think it's a better idea to face your credit?! It's not easy to do ( I understand) however, ignore your credit problems/debts isn't going to help.