Will My Career Development Loan, HSBC Loan, and Other Debts in the UK

Question:

Dear Jon,

British Citizen, born in the UK, lived in Holland for High-School, moved back to the UK at 18 to study university and work. Resided in the UK 2012.

I have a Career Development Loan – which was later trasnferred to a debt collector. Upon leaving UK, I informed i was leaving and committed to pay off my debt. The last time I reached out I asked for a full statement of what have been paid off. I was not in agreement with this statement, but the debt agency wouldn;t buge, so I proceeded to ignore them. Later I found out that the Co-Op Bank had financial issues 2012/2013. (original loan GBP 4000) Not sure what was outstanding

I had an outstanding student overdraft on my HSBC account. I still get my statements sent to my mothers house in Holland, but I am no longer residing in the UK. I have also not paid this overdraft off and I am not sure what is the situation. (Overdraft amount GPB 1500) Not sure on the outstanding amount.

I believe I still had a credit card with the same bank. (Amount GBP 500) not sure on outstanding.

I believe I may have had an Orange phone contract (Not sure what happened there either).

Your Question *
I am due to visit the UK very soon with my family.

Will I have any issues entering the UK?

Answer:

Anthony,

For owing money or debts alone, you will not have any issues or problems coming back to the UK.

When was your last contact with any of your creditors?

I ask as after six (6) years of no contact by a creditor, a debt can become statute barred, which means it is no longer owed.

There can be a grey area as to when the six years begins, and also what is “contact”, but your accounts seem to be approaching or have approached this point.

Regards,

Jon

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