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I Studied at South Bank University in London And Got a Credit Card. – Nor

“Dear Jon,

1996 study in South Bank University ,London and have one credit card from one of UK bank.

1998 back to Malaysia after graduate and further study in Malaysia.

2000 moved to Brunei until now and working with Brunei’s government.

When I study in UK I have one credit card. I pay some and when I graduate I can’t pay the card because I went back to Malaysia. Now I married and work with government. The problem now, my work place want to send me to UK for training. I just worried my name become black listed in UK. I never receive any statement from the bank. So how can I check my name either in blacklist or not.

thank you

Nor”

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The Answer

Nor,

You would not be ‘blacklisted’ in the UK, but your credit in the UK may show the default for the credit card. None of which will prevent you from entering and staying in the UK.

You can obtain a copy of your credit report in the UK from either Experian, Equifax or Call Credit to see if the account is still showing, but chances are it has dropped off your credit, and possibly if the creditor made no attempt to contact you, the debt may be statute barred or no longer owed.

How much was the balance on the card? Who was the card with, what bank?

If it was a small amount, it may have been written off and you may wish to leave sleeping dogs lie.

Let me know.

Regards,

Jon

I Studied at South Bank University in London And Got a Credit Card.   NorJon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.

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  • Nor

    Dear Jon, I’m Nor Ex-South Bank University
    If I not mistaken the balance not more then £500. I can’t remember exactly the credit card limit amount.  But for the last statement around

    £400 and I can’t remember where the card now but still in my drawer in Malaysia..already expire and the bank is Midland bank..

    • Jon Emge

      Thanks for that information.

      My initial thought is to check your credit history in the UK to see if the account is still on there, chances are it is not.  And based on the balance you mention, it may be best just to let it go, do nothing.  It is not going to impact your travels, and it may be statute barred (no longer owed), I cannot say for sure as it would depend on if the bank had continued to try and contact you and at what point they gave up. 

      If you have the money and want to pay it, if it shows on your credit file, you can see who last had the account (as it may have been sold), but again, due to the time-frame, I don’t see it affecting you.

      Regards, 

      Jon

  • Nor

    Dear Jon, I’m Nor Ex-South Bank University
    If I not mistaken the balance not more then £500. I can’t remember exactly the credit card limit amount.  But for the last statement around

    £400 and I can’t remember where the card now but still in my drawer in Malaysia..already expire and the bank is Midland bank..

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