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UK

I’m in an IVA With Debt Free Direct in the UK But Have Concerns. – Richard

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“Dear Jon, I am in an IVA. I have an equity release clause as follows: ‘After month 54 of the arrangment the Supervisor will obtain a professional valuation of the property. The debtor will then obtain two remortgage quotes from reputable brokers/lenders to satisfy the Supervisor that the equity realisation is the maximum achievable. The property shall be re-mortgaged to ... Read More »

I’m in India But Left the UK With Debt in 2012. Can I Come Back to the UK? – Khan

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“Dear Jon, I came to UK as student in 2010 and left in march 2012 as I have finished my PGD. I was decided to apply for Masters course but could not my family shifts from Pakistan to India because facing of prosecution. I came to India to join my family and we got our nationality in six months as ... Read More »

I Left the UK and My Debt Behind and Moved to New Zealand. Now I Want to Return. – Maria

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“Dear Jon, I left the UK to emigrate to New Zealand nearly 6 years ago. I am a uk citizen by birth. I left with debt in the uk and although initially continued paying this, due to financial reasons it became too difficult to manage this debt and set up the new life in NZ. We are considering returning to ... Read More »

I’m Terrified About How to Deal With My UK Debt. – Kimberley

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“Dear Jon, so when i turned 18 6 years ago i decided i was gonna get out catalogues, phone contracts, an overdraft and bought a computer on credit. i was working at the time anf so i could afford it and loved the fact i was buying things on credit. So i got all of these things on credit and ... Read More »

A UK Collection Agent is Contacting Me About My Dubai Debt. – Michael

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“Dear Jon, Like thousands of other people i ran away from my responsibility’s when things started to get tough in Dubai. I bought an apartment in Dubai but foolishly i took out a personal loan from a Dubai bank for the deposit (£20,000) Then the work started to dry up and i lost my job after 5 years. So i ... Read More »

I Moved Back to the UK From Greece and Have All Sorts of Debt. – Julie

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“Dear Jon, I left the UK to live in Greece in Oct 2008 during a severe mid life crisis. I left existing debt of around £20k and used credit cards whilst in Greece to the tune of around £10/15k. I previously had an unblemished credit history for about 20 years. I returned to the UK due to Greece’s financial meltdown ... Read More »

Will I Be in Trouble When I Try to Get Into the UK Because of My Debt? – Samad

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“Dear Jon, I’m british citizen and was on repayment plane with gragory pennington. due to family problem i had to come home in aug 2011 and couldn’t pay the instalments and mobile phone bills for more then a year. got few parking tickets my question is will I be in trouble in airport when I come to uk? & what’s ... Read More »

My UK Payday Loan Lenders Don’t Understand I Suffer from Depression and Post Traumatic Stress. – Trudi

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“Dear Jon, Im in debt with payday loans i have 4 totaling 1250 pound. also 3 credit cards totaling 750 pound and 2 catalogues owing 1200pound and can’t afford to pay them. i suffer from depression and post traumatic stres . they keep showing me i don’t feel able to tell my husband i feel so guilty i was off ... Read More »

I Went to Study in the U.S. But Now Back in the UK and Left Debt Behind. What Can I Do? – Greg

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“Dear Jon, Non US-citizen (EU citizen), entered the US under a 5 year student visa in 2008. Left the US after 3 years, however left the US with a credit card debt of around $3,000 and an unpaid college bill of around $3,000, so a total debt of around $6,000. The credit card debt is with a popular bank in ... Read More »

Can I Bring My Wife Into the UK if I File Bankruptcy? – Tom

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“Dear Jon, i have financial problem since 2008.owed over 32000 from credit cards and different creditors. went on repayment plane for 3 years.since last year i couldn’t pay the instalments, my question is if I declare my self bankrupt can i own a car ? how long the bancrupcy remain?and how does its effect my life? can i bring my ... Read More »

I Left London and Moved Out of the UK But My Roommate Never Paid the Rent. – Liliana

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“Dear Jon, I was living in london for a year, after I came back to my country, I knew that my room mate never paid the rent to our land lord, i was in the warranty´s papers How I can know if i am in a list for debtors in London??? Liliana” Don’t miss our free Get Out of Debt ... Read More »

My Mum Took Credit Cards Out in My Name When I Was in Prison in the UK. – Bridget

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“Dear Jon, I come from a difficult background and my mum is the person who took various cards out in my name, while i was in prison! She says it’s because she was struggling with her five year old son and was struggling to make her way up to see me on prison visits etc! Which I don’t find good ... Read More »

I Live in Germany But Want to Go Bankrupt in the UK. – John

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“Dear Jon, Wrongful decision of a German civil court ordered me to pay € 80 tsd. I am from Germany and planning to file for bankruptcy in the UK soon. Is it for this matter a big deal to be (the only) owner and officer of a small private limited liability company in Germany with no assets or would it ... Read More »

I Moved House in the UK and Stopped Getting Credit Card Statements. Now They Are Going for a CCJ. – Chris

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“Dear Jon, I moved house in 2008 and asked my bank to change my correspondence address which they duly did, however they stopped sending me credit card statements and my credit card details ‘dropped off’ my online banking. I believe the statements may have continued to be sent to my old address but I have no way of checking this. ... Read More »

How Can I Consolidate My Credit Cards and Get My UK Credit Report From the USA? – Jay

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“Dear Jon, I am right now in usa for the last 3 years. Have several Credit Cards in UK. From Barclaycard to MBNA. Have never missed a payment. Need to take all high interest credit cards & transfer to a lower rate card. Please advise. Also need to get a copy of my UK credit report on line. What are ... Read More »

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