I left the UK 8 years ago and now live in Italy. When I first arrived in Italy I carried on paying my debts which consisted of a bank loan, credit cards and catalogues. Unfortunately due to financial problems I was unable to carry on paying the debts in the UK and ended up walking away from them. Amongst those debts I bought a sofa and laptop on credit, both of which gave it to me with no payment for the first year. I had every intention of paying for them when I bought them even though I new I would be living in Italy but as I explained I ran into problems and couldnt pay when the time came to for me to pay. I have had no contact with any of my lenders and they dont have an address for me.
I now want to return to the UK and Im greatly worried that I might be arrested for fraud. Not so much about the bank loan and credit cards etc but about the sofa and laptop. Can you please advise if this is likely to happen and what I could do to stop it from happening. I am a mother with 2 children and have no criminal record, so as you can imagine I don’t want any problems on my arrival.
I can understand your concerns about returning to the UK, but just leaving debts behind is not a reason why you would be arrested, detained or experience any issues returning. So no worries there.
Did you make any payments on the sofa or laptop? If you have the original contracts ( I realise it was a long time ago) you may wish to review them just to see exactly how the financing was set-up. These could have been secured loans, and in most instances if you don’t pay for an item which is secured by financing, said item can be repossessed.
Since it has been eight years, you may no longer even owe the bank loan, credit cards or catalogues, these MAY be statute barred if the creditors had or attempted no contact with you for over six (6) years. Depending on the nature of the financing for the sofa and laptop, these may not fit into that situation.
But you would not be arrested or stopped upon entering the UK just for leaving debts behind. If you fraudulently completed an application for credit, this would only be an issue if the creditor had you charged with fraud, which is doubtful.
I hope this helps.
I Live in Italy But Still Owe Debt in the UK. Will I be Arrested if I Return to the UK? - Louise by Jon Emge
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