leaving debt

[sammie]

:embarrassed: i would like to know do u hav to have all your debts paid of before you go to oz as owhen we have sold our house we wont have much left so we were thinking about getting a loan to support us until we find jobs any advice most grateful:) its just with having 2 kids rather be safe than sorry cheers

[caoimhe]

I'm really not sure on the answer but thinking about it, if you were using a family members address in the UK and were paying the loan how would they know or query it!!

[jill wright]

Hi

A friend who is a financial advisor told us he advisd one of his friends who emigrated not to bother paying his credit cads off cos they wouldn,t be able to trace him unless he came back to england which would take a while anyway. However he did say loans are a different matter so be careful

Jill

[sammie]

Hi

A friend who is a financial advisor told us he advisd one of his friends who emigrated not to bother paying his credit cads off cos they wouldn,t be able to trace him unless he came back to england which would take a while anyway. However he did say loans are a different matter so be careful

Jill
i would still pay the payments is just i thought that u wud not be able to get your visa if you had debts in this country thanks sam

[caoimhe]

i would still pay the payments is just i thought that u wud not be able to get your visa if you had debts in this country thanks sam

We have a lot of debt that we will not be able to pay off until we sell our house and we wont sell the house until after we get the visa !!!
I am not telling you to 'do a runner' without paying what you owe (although sometimes I wish I had the nerve) but if you are planning on continuing paying your debts why would they even look at your account, lets face it banks and financial institutions don't care as long as they are getting back what they expect

[sammie]

We have a lot of debt that we will not be able to pay off until we sell our house and we wont sell the house until after we get the visa !!!
I am not telling you to 'do a runner' without paying what you owe (although sometimes I wish I had the nerve) but if you are planning on continuing paying your debts why would they even look at your account, lets face it banks and financial institutions don't care as long as they are getting back what they expect
true wear r u going in adelaide and when do u intend on going and did u go on holiday first to see wat it was like we were thinking about going on holiday first but by the time u pay for that u cud ov paid for ur visa:)

[caoimhe]

I have 2 uncles there and have been there on hols once but stephen and the kids haven't. My family are in Salisbury and Salisbury Heights (north Adelaide) so will stick to somewhere near them to begin with. We have been thinking about it for 6 years but I never had the guts to make that final decision even now i am terrified but have to give it a go. We have a case officer and meds sent so matter of waiting now. We are putting the house up in May so will go when it's sold as can't afford to go without selling it

[jill wright]

Same here Jaq only we have just sent visa application off but putting house up for sale straight away cos aren't going anywhere till it sells

Jill

[graandjac]

When we were on our reccie we met a guy who said he had left 20k ish in dedt , had been back twice and its never been mentioned again , :wacko:i guess its a case of how big are your b***s....! and would it back fire if you had to come back and start again here........????. Cheers Graham

[jill wright]

The guy our financial friend helped left 40k !!! erm..... who dares wins (but that is pushing it)

Jill

[graandjac]

;)We have a mate who often runs up credit card debt but never goes over £500.00 and it never gets followed up he just keeps on doing it year after year. Cheers Graham

[soggy]

This is interesting, I still have a uk credit card, maybe when I go back to visit I will stay at the Savoy and hire a limo then post it back to them.:)

Simon:):):)

[Tyke]

We paid all off before leaving.

We'd bought some nice furniture before leaving and they threw finance at us.

Tempting as it was it all was paid off.Just in case they could come and get you/give probs here or await your return.

Glad we did as we have had to make several trips back to the UK for family illness issues.We felt a lot easier about things.

Sleeping easy was one of our goals here.

International boundaries are shrinking daily and I reckon it's only time before a "Global credit history" evolves.

[Nick11]

My sis is a top boss at experian so knows all about this. After 7 years your debt is written off. The chances are the company your debt is with will write it off if its under 5 grand - HOWEVER there is nothing to stop the company selling on the debt to a third party who can track you down - apparently companies are developing more and more sophisticated ways to track you down.
We owed about 4 grand on our egg credit card and my sis told us that company is a bugger for getting you.
We paid it off as the thought of a knock at the door in the future and the worry of always looking over your shoulder worried the hell out of me.
At the end of the day I couldn't have lived with myself knowing I'd taken money and not paid it back.

[graandjac]

I Have to agree with tyke and Nicky on this one , leave the uk with ALL issues resolved....job done no worries. Cheers Graham

[ali@51]

Just to through a spanner in the works:wacko: not sure the question should be can you leave them but should you leave them!!!:policeman:
We all know banks/credit card comp. will get their money back one way or another and if you walk leaving debts they will re-coup the outlay by giving some pore s*d (who has worked just as hard always payed his debts and is probably worse off than you) extra charges/ higher fees/ higher intres rates. Not sure leaving 20/40k debts is anything to admire!!!!!

[jill wright]

Just to through a spanner in the works:wacko: not sure the question should be can you leave them but should you leave them!!!:policeman:
We all know banks/credit card comp. will get their money back one way or another and if you walk leaving debts they will re-coup the outlay by giving some pore s*d (who has worked just as hard always payed his debts and is probably worse off than you) extra charges/ higher fees/ higher intres rates. Not sure leaving 20/40k debts is anything to admire!!!!!

Did anyone say it was !!!!! This is a forum where info is exchanged and I was merely passing on something I'd heard wasn't implying anyone should actually do it

Jill

[Nick11]

Personally I believe if you take on a debt -it should be repaid - no matter how much money the company makes.
I think its just plain wrong to take money without paying it back.

[Guzzler&Sas]

Did anyone say it was !!!!! This is a forum where info is exchanged and I was merely passing on something I'd heard wasn't implying anyone should actually do it

Jill

No need to shout Jill, had a few frothy ones this arvo and trying to get a little rest;)

Guzzler

[jill wright]

Sorry just making a point (wow how big does that writing look)

might have a few frothy ones myself this aft that is when we've got the painting out of the way in order to sell the house (although might have a few frothy ones while we're actually doing it might get done quicker that way)

Jill

[sammie]

Just to through a spanner in the works:wacko: not sure the question should be can you leave them but should you leave them!!!:policeman:
We all know banks/credit card comp. will get their money back one way or another and if you walk leaving debts they will re-coup the outlay by giving some pore s*d (who has worked just as hard always payed his debts and is probably worse off than you) extra charges/ higher fees/ higher intres rates. Not sure leaving 20/40k debts is anything to admire!!!!!
can i just say i started this thread and i did not say any thing about leaving debt i asked about having ongoing debt i have a hsbc account after all im only the other side ov the world not moving to mars so will be able to still pay it . and my replies wer,nt telling me to rip anyone off just stating facts what they new and heard after all this is what its all about

[jill wright]

My thoughts exactly Sammie

May I say looking at the number of views this thread has received within 24 hrs its been an issue many are interested in

Jill

[ali@51]

[quote=jill wright;31569]Did anyone say it was !!!!! This is a forum where info is exchanged and I was merely passing on something I'd heard wasn't implying anyone should actually do it

Jill[/quout**

my my did I hit a nerve!!!!!! you are quite right it is a forum where information(and opinions) is exchanged. You got my opinion and I stand by it:p. Dont recal mentioning your name spesificly! by the way my typing is big because my eldest is patialy sighted and has taken to liking reading my posts. She can't read a smaller font with ease.

[jill wright]

I think you need to read these posts more carefully yourself I was actually commenting to Graham how big the size of my font looks. get a glass of wine and calm yourself down and remember what this forums all about. Getting a better life for us all

Jillx

[Django]

May I say looking at the number of views this thread has received within 24 hrs its been an issue many are interested in

Most of the views have been from me I reckon :biglaugh: just making sure everyone is being nice. :unsure:

I must say I haven't seen anyone suggesting that Sammie should 'do a runner' so to speak. I'd love to as it would give us more money to get going over there. But I don't want to burn any bridges. :policeman:

Pete

[ali@51]

I think you need to read these posts more carefully yourself I was actually commenting to Graham how big the size of my font looks. get a glass of wine and calm yourself down and remember what this forums all about. Getting a better life for us all

Jillx

Hi jill
I havnt got my knikers in a twist . just wanted to be clear that i'm not shouting :D

[jill wright]

Can't see how anyone can come across as shouting on a purely visual forum. Have a lovely Saturday night and Sammie if you want to get a loan on the full intentions of paying it all back you go for it. Am sure HSBC can set something up, good luck what ever it takes to get there will be worth it

Jill x

[sammie]

[quote=jill wright;31633]I think you need to read these posts more carefully yourself I was actually commenting to Graham how big the size of my font looks. get a glass of wine and calm yourself down and remember what this forums all about. Getting a better life for us all

Jill hear hear jill lets remember why we are on this site :jiggy:

[sammie]

cheers jill enjoy ur weekend .x

[caoimhe]

When we were on our reccie we met a guy who said he had left 20k ish in dedt , had been back twice and its never been mentioned again , :wacko:i guess its a case of how big are your b***s....! and would it back fire if you had to come back and start again here........????. Cheers Graham

Apparently after 5 years your debt is written off

God I wish I had the B***s to clear off without paying my credit cards, that would add an extra bedroom to our house in Oz;)

But I know if I did it would be 'Murphy's Law' that we would fail in Oz and have to come home and never get a mortgage again:arghh:

[caoimhe]

can i just say i started this thread and i did not say any thing about leaving debt i asked about having ongoing debt i have a hsbc account after all im only the other side ov the world not moving to mars so will be able to still pay it . and my replies wer,nt telling me to rip anyone off just stating facts what they new and heard after all this is what its all about

Thanks Sammie:notworthy:
Thats what my reply was about. Who will question a loan that is being repaid!!!! although I do stand my earlier post that I wish I had the b***s to 'do a runner' ;)

[jill wright]

Thanks Sammie:notworthy:
Thats what my reply was about. Who will question a loan that is being repaid!!!! although I do stand my earlier post that I wish I had the b***s to 'do a runner' ;)

You go for it and we'll all watch and see if you get away with it ;)

lol Jillx

[Django]

wasn't implying anyone should actually do it

Jill

You go for it and we'll all watch and see if you get away with it

lol Jillx


Hmmmmmmmmmm you've changed your tune. :p:p:biglaugh::biglaugh:

[jill wright]

Hmmmmmmmmmm you've changed your tune. :biglaugh:
Come on now are you a moderator or a stirrer :D

Jillx

[Django]

Come on now are you a moderator or a stirrer

I like to think I can wear both hats :biglaugh:

[Leanne & Mark]

Hmm chill out everyone!!!

Do you think i can leave without paying the Accountants, stupidly large bill of £1500 for doing F all??

[Tyke]

Hmm chill out everyone!!!

Do you think i can leave without paying the Accountants, stupidly large bill of £1500 for doing F all??

Now yer talking..............;):biglaugh:

[passionate pom]

You will all need to bare in mind if thinking about a loan ( and intending to repay it )We know someone who has actually done this. at the time the thought of paying back fifty pounds a week isn't too bad . Once living and working in oz it is a bit more of a strain finding $130 a week.
My advice would be to come with a clean slate and work your way up.
Good luck.

[sarahsmartiepants]

You will all need to bare in mind if thinking about a loan ( and intending to repay it )We know someone who has actually done this. at the time the thought of paying back fifty pounds a week isn't too bad . Once living and working in oz it is a bit more of a strain finding $130 a week.
My advice would be to come with a clean slate and work your way up.
Good luck.Such wise words from such a young man:biglaugh::skeptical:.

[Unch&dougs]

What an interesting thread - have been away for a while and enjoyed reading this one

My two bobs worth is that if you obtain a loan without intending to repay it, it is fraud - obtaining funds under a false pretence - therefore not a civil matter but a criminal one. If you leave without repaying an existing loan it remains a civil matter.

One of the conditions of our visa is that you are of good character.

Probably not worth it in the long run really. Besides - is the Shiraz not a bit cheaper over there?

[caoimhe]

What an interesting thread - have been away for a while and enjoyed reading this one

My two bobs worth is that if you obtain a loan without intending to repay it, it is fraud - obtaining funds under a false pretence - therefore not a civil matter but a criminal one. If you leave without repaying an existing loan it remains a civil matter.

One of the conditions of our visa is that you are of good character.

Probably not worth it in the long run really. Besides - is the Shiraz not a bit cheaper over there?

Sammie wanted to know if he could leave an outstanding loan in the UK with every intention of paying it from Oz.
Not paying our debts was a joke that seems to have been taken seriously by some people :wacko:

[sammie]

Sammie wanted to know if he could leave an outstanding loan in the UK with every intention of paying it from Oz.
Not paying our debts was a joke that seems to have been taken seriously by some people :wacko:
EXACTLY thats my thoughts i think they need to read the threads properly i feel im being betrayed a criminal this was my first thread and i dont know if i wanna make any more i did not want any one to fall out sorry:sad:

[hel&sam]

Hey dont't run off, just a friendly discussion of opinions, i would guess they got on that line of thought because it something that may have crossed their minds at some point. Who wouldn't like to run away and escape that dastardly credit card bill (or three), by the same token who wouldn't like to win the lottery. All passing thoughts. personally i'll be paying mine off and going with a clean slate although it will be very painful i'd rather start with next to nothing than less than nothing. Hey might even learn to live without a credit card!!!! now thats more scary than emigrating. :chatterbox::chatterbox:

[jill wright]

EXACTLY thats my thoughts i think they need to read the threads properly i feel im being betrayed a criminal this was my first thread and i dont know if i wanna make any more i did not want any one to fall out sorry:sad:

There's no need to apologise to anyone. Keep your posts coming there's alot of help available on here which can save you money in the end and its also a good way of getting to know people before you go. By the look of the amount of views your posts add and continues to have it was/is a very interesting subject to many.

As for credit cards we intend to do without in Australia all being well and only get what we can afford . Keep smiling Sammie:):)

Jill

[caoimhe]

EXACTLY thats my thoughts i think they need to read the threads properly i feel im being betrayed a criminal this was my first thread and i dont know if i wanna make any more i did not want any one to fall out sorry:sad:

Hang in there Sammy most of us who read the thread at the begining know what you meant. Things just got carried away with, no one thinks you're a criminal, maybe me tho as I openly admitted I would love to "do a runner" ;)

[ali@51]

Don't go just cos you started an intresting thread!! The ones that get a little heated are quite often more intresting for everyone to read than the others.It would be very dull if we all thought the same way. If you post again I'm sure we can all promis to put the hanbags away for the duration of your next thread if it makes you feel better:D.

[sammie]

cheers everyone at least i got my question answered lol;)

[Django]

No worries Sammie you haven't upset anyone or done anything wrong. Look froward to a lot more posts from you.:D

Pete

[Libby1971]

I have just read this thread from beginning to end and found it fascinating reading!

Let's be totally honest, the idea has crossed all our minds even if it is only to say "I couldn't do that" or "I wouldn't dare".

But this thread also highlights a lack of care on the part of the users...some people responded purely to the title and didn't bother to actually read what was being asked. Sammie asked if she could pay her debts from Aus so she didn't have to clear them all before she left and had a buffer being repaid slowly. Good planning, I would say.

Certain topics prompt 'emotional' responses and while it is easy to air them with no face to talk back to, my feeling is that someone's face is reading it and just because I can't see it, it doesn't mean I have the right to cause any hurt or anger to that face.

Sammie, you didn't do anything wrong. Thanks for posting and I hope we see/ hear lots more from you.

:notworthy::notworthy:

Libby, first day of schools hols, feeling surprisingly calm and the sun is shining:jiggy:

[Tyke]

Libby, first day of schools hols, feeling surprisingly calm and the sun is shining:jiggy:

A holiday after only a week at work????

:p

[Nick11]

I have just read this thread from beginning to end and found it fascinating reading!

Let's be totally honest, the idea has crossed all our minds even if it is only to say "I couldn't do that" or "I wouldn't dare".

But this thread also highlights a lack of care on the part of the users...some people responded purely to the title and didn't bother to actually read what was being asked. Sammie asked if she could pay her debts from Aus so she didn't have to clear them all before she left and had a buffer being repaid slowly. Good planning, I would say.

Certain topics prompt 'emotional' responses and while it is easy to air them with no face to talk back to, my feeling is that someone's face is reading it and just because I can't see it, it doesn't mean I have the right to cause any hurt or anger to that face.

Sammie, you didn't do anything wrong. Thanks for posting and I hope we see/ hear lots more from you.

:notworthy::notworthy:

Libby, first day of schools hols, feeling surprisingly calm and the sun is shining:jiggy:

Lots of threads often go off at a tangent. This one included.
Most threads on debt often end up as this one did. However I thought this thread was very civilised compared to some on debt that I've seen - most notably british expats where it often ends up in a slanging match.
Try to take everything that is said with a pinch of salt.
Once you get to know us better - you'll realise we are a very friendly bunch of whinging poms!
Nick

[jill wright]

[quote=Libby1971;31847]I have just read this thread from beginning to end and found it fascinating reading!


Certain topics prompt 'emotional' responses and while it is easy to air them with no face to talk back to, my feeling is that someone's face is reading it and just because I can't see it, it doesn't mean I have the right to cause any hurt or anger to that face.

Personally I thought it was all just a bit of banter with no malice meant and no hard feelings from anyone concerned I wouldn't think. Let's be realistic just because we're all wanting sunnier climes better lifes etc doesnt' mean we're all holier than though afraid to say a wrong word to anyone in the process of getting over there .I would much rather just be myself. Think this thread as been taken a little out of context by a few.

Jill

[passionate pom]

Forum life is a rocky road but soooo addictive. Just grab a bottle of s.a wine and go with the flow.;)

[caoimhe]

Just grab a bottle of s.a wine and go with the flow.;)

NOW that's a comment I would take personally :jiggy::jiggy::jiggy: