I am now living abroad. What will happen to my UK debts?

It may seem appealing to move abroad to escape UK debts, the person in debt can run but they can't always hide. Creditors have been known to stop chasing those they can't find, however moving abroad doesn't always mean they can't find the debtor. Creditors use the following tactics to trace debtors, talking to neighbours at their debtor's last known address and tracing their activity through using cash. In some cases creditors have relations with other credit companies in that country, making it easier for them to find you. Once the creditor knows which country you are in, they can trace you relatively quickly and start pursuing you for the debt. So it may seem a good idea to move abroad and leave your debts behind, but the creditors can and probably will find you and demand the debt is repaid.

You should ideally establish a repayment agreement with the creditors before leaving the UK. There are many options to clear your debt, even if you no longer live in the UK, for example bankruptcy, IVAs or DMPs. Complete your details on the form below and we will contact you with advice on all UK debts even if you no longer live in the country. However if you are abroad you should make it a priority to make a payment agreement with your creditors. If you fail to make a payment agreement your new life in a new county could be affected as your credit rating may result in you being unable to get jobs or even bank account.