Returned from UAE 18 months ago due family illness ,had a credit card loan which I was paying off but due to the urgency of Illness left to come home.
Since return home have been unable to work so cannot pay back. Have recently received a UK solicitors letter to mothers address threatening proceedings through a Northampton court if i failed to contact them in 2 weeks.
After some research on websites I felt that there was nothing they can do,so ignored it as it does not appear that they own the debt from the wording debt is still in UAE.
I have now received a threat of bankruptcy and increasing fee’s. At no point have they sent anything to sign to prove where I live or have received correspondence .
Can they go ahead and try to make me bankrupt in my absence, without actually contacting me personally ? I will be out of country when this is due to be enforced.(not in middle east) Your advice required.
First, you can be made bankrupt even if you do not appear in court on the day they make you bankrupt.
If the UK solicitors do not own the debt, and are threatening bankruptcy, without seeing the paperwork you have received it is difficult to say what is happening.
Have you spoke to the solicitors or the original bank about this?
Threats can be one thing, following through are another. You need confirmation they don’t own the debt.
Do you own any property or other assets? Are you working? Do you owe any other debts?
If you have no property or assets, even if they were able to make you bankrupt, they would get nothing. So seeking out a CCJ/County Court Judgement and enforcing it through bailiffs or wage attachment makes more sense than bankruptcy.
Let me know and we can look at this closer.
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.
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