I have a credit card debt from Natwest less than £500 as well as an O2 bill. I left the country a bit more than three years ago. I didnt receive any phone call or letter from them for the fact that i was no longer in the UK. Now i’m going back for a visit.
Would I be arrested at the UK airport if I didn’t pay my bills? How likely it is the lender had sue me? How can I know if I have a warrant to stop me?
While I understand your concerns, you can relax, just for owing a credit card and a mobile phone bill, no one will be waiting at the airport upon your arrival in the UK, and you will not be arrested.
Just by owing a debt is not in itself a crime.
Now it is possible that NatWest or O2 tried to collect what is owed to them, but if they had no forwarding details or address for where you lived, they could not contact you. And it is possible that they may have tried to take the case/account to court to obtain a CCJ, etc.
You can review a copy of your credit report to if anything is there, but that may not be 100% as it can depend on how the bank may have reported the account.
You can also inquire with NatWest and O2 as to the status of the accounts. But are you planning on staying in the UK?
Do you have the money to repay these accounts?
By contacting NatWest or O2 you could be starting things back up again.
If you do not have the means to repay the debts and are only coming to the UK for a visit, then there may not be a need to stir things up again.
I hope this helps.
Jon 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.