flatpack
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Posts posted by flatpack
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My Mrs packed a load of clothes in boxes and the packers unpacked the all and repacked them. They said it was them as a company that were importing them so they had to be sure what was in them.
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Well yes, they would say that if you told them you'd moved to Oz. You needed to tell them you'd moved to your relatives address (preferably before leaving the UK)! It's not strictly Kosher but does mean the DVLA can contact you if need be.
My my point was that there was no provision for people moving abroad. In a world where people move countries quite regularly. No way of stopping them writing to me.
It's possible that the person who lives in my old place knows I've gone to Oz, if the DVLA write to me at that address for any reason then the person who lives there could well apply for a license in my name. ID theft made easy
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The address on your UK driving licence has to be valid (there are penalties for driving on an invalid licence) so many people change it to a relatives address when they make the move.
PS: Just noticed you've said "while my visa is processed". If you don't have a permanent visa you won't be able to obtain an Australian licence (you can continue to drive on a foreign licence - the 3 month restriction for using a foreign licence only applies to Permanent residents and citizens).
Once I'd moved to Oz I contacted DVLA about my license as it registered to a house I'd moved out of. They said tough luck, I wasn't allowed to change it to a relatives address and I couldn't change it to an Australian address. I told them that was a fantastic idea for cloning someone's id
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Bachelors Super Noodles, you can get them in some shops but they are around £2 a packet here and around 50p in the UK.
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Hi,
I am a fully qualified Gas engineer in the UK, I work for British Gas and the majority of my work involves boiler repairs, however am qualified in most gas & plumbing areas.
First of all, what are my options? Do I concentrate on the plumbing side or look into commercial gas? Or retrain into air conditioning? Or any suggestions?
How likely is it that aussie company's like to take on british tradesmen?
What are the usual costs for conversion courses or certificates required?
Any information or personal experience is much appreciated!
Ben
Each state is different, WA is not the best place at the moment jobs wise. Yet I know a young lad, not long out of his time who landed in Sydney and had a job plumbing within 48hrs. Officially he's a trades assistant as he's not licensed but he's doing a tradies job and getting tradies money!
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Check out IKEA because I think they do European sized mattresses, I'm not 100% and a quick look online will soon tell you.
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As an aside, you may calculate that you're entitled to $400 but a good accountant may well get you more as they know precisely what you can and cannot claim. Any fee you pay them is also tax deductible.
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Sounds like they want someone to do their research for them. Google is your friend.
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Your accounts would go a long way to prove it, along with your business insurance, ABN number. Pictures of a sign written van (if you have one). Customer stat decs, copies of advertising, a link to your web page.
That's straight off the top of my head, given some thought it should be one of the easiest things to prove.
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So do you think it would be worth bringing all my paslodes and makita cordless kit with me ,I don't use 110v gear anymore anyway that's not a problem,my main issue is ,is it gna be more cost effective for me to fly my tools over or buy them all brand new over there ..just wanted to know if anyone had done it and remembers how much it costs ,thanks.
Paslodes are around $650 to $700 here and look on Bunning (just like B&Q) they're pretty cheap for makita kit. Get the prices from there and make your own mind up
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Makita battery tools ate very cheap here but saying that I brought all my tools with me. Sell any 110v stuff and buy here.
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6 weeks is plenty of time to apply for an Australian passport. Not sure why you have to apply for a citizenship certificate if he was born here and has a birth certificate and you guys were PR at the time of his birth. You would be opening yourself up to a whole heap of trouble trying to travel on his UK passport.
Without trying to be funny, why would you comment about the need for a citizenship certificate if you aren't sure. We have looked into it and it is a requirement, we're not in the habit of doing unnessecary paperwork if we don't need to.
There is currently a minimum 3 week wait to get the citizenship certificate, add this to the time that a passport application would take and it is doubtful that we'll get it. That said we have started the process and my partner is going to immigration tomorrow with the relevant form/ evidence.
My question was whether we could get back in without too much hassle.
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You will be questioned if you try to exit the country on a passport not used to enter the country.
And a visa cannot be issued to an Australian citizen.
What they can do is seize your British passport.
Do you always think about the worst possible case? I mean come on, under what circumstance would they seize a 10 month old babies passport?
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If he had a British passport with a visa already in it.
But an Australian citizen can't get a visa, and without a visa you need an Australian passport.
Sorry.
If we took him out of the country on his British passport, would he be refused entry into his country of birth? Would they not allow us on the plane? Could we just apply for a tourist visa to get him into the country?
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Due to circumstance we may have a window to go to Bali on holiday in 6 weeks, the date is pretty much set in stone. Myself and my partner along with our daughter have PR but our son is Australian.
We all have British passports but our son doesn't have a visa in his. We only got his British passport as it was so easy, all in all it took 6 working days to receive it. Getting his Aussie passport mean getting him a citizen certificate which was put off at the time as we were busy and now I doubt we'll have time.
Is there anyway we can go to Bali and get back into Oz (with our son)?
TIA
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If they return they could face a lot of problems.
Youve changed your your tune a little. A few posts back you were telling tales of debt collectors tracking people through social media and staking out the airport waiting for debtors to holiday in the UK. I'm not sure what you thought they might do once the plane landed lol
Now the story is "if they return they could face a lot of problems"
If and could, not very sure now are we? What might be the problems?
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Your advice to the OP was very naive, but I will leave it there.
So you don't know of any powers then?
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Yes, definitely naive, debt collectors have a lot of power. Do some research.
As I put in my reply to PM, I don't need research, I have first hand experience of chase someone thought the courts. I won, I got a CCJ against two seperate parties.
What I didn't get was any money, debt collectors have zero powers, but if you know of some mystical power then please let me know.
Just to give you a head start, debt collectors and court appointed bailiffs are two very different things.
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ohhhh dear.
Creditor takes money from your bank account
Table of contents
- About taking money from your bank account
- How does your creditor apply for a third party debt order
- Freezing your bank account
- If freezing your money causes you hardship
- Can you stop the final third party debt order from being made
- What happens if the third party debt order is made final
- Further help
About taking money from your bank account
If your creditor has taken court action against you for a debt, they may have got a county court judgment (CCJ) or other court order against you. A court order means you have to pay the money back, either in instalments or in full by a certain date.
If you don’t keep to the terms of a court order, your creditor has a number of different options to try and get their money back.
If your creditor thinks that you have the money to pay them and are holding it back, or are due to be paid some money which would cover the debt, they can apply for another court order. This is called a third party debt order. A third party debt order allows your creditor to take the money you owe them directly from whoever has the money.
Usually it is your bank or building society that is holding your money for you. However, if you are due to get a lump sum such as a redundancy settlement, an inheritance or insurance policy payout, your creditor could get your employer, solicitor or insurance company to pay the money to them instead of you. They can only take enough money to clear the debt.
This page tells you what to do if your creditor tries to get a third party debt order against you, including how to try and stop the order and what to do if your bank account is frozen and you're left with no money.
The kinds of debts that may end up with your creditor trying to get a third party debt order include money owed on personal loans, credit cards, overdrafts or hire purchase agreements.
The Child Support Agency or Child Maintenance Service can also take money from your bank account for child maintenance arrears. This is called a deduction order. They don’t need to go to court to get a deduction order.
More about deduction orders for child maintenance arrears.
A third party debt order is different from an attachment of earnings order, where your creditor gets a court order to take money from your wages.
For more information on when your creditor can apply for an attachment of earnings order, seeCreditor takes money from your wages.
For more information on other types of action your creditor can take to get their money back, seeFurther help.
How does your creditor apply for a third party debt order
To find out if you've got savings or are expecting a pay out, your creditor can get details of your bank accounts and other financial circumstances. To do this they can apply to the court for anorder to obtain information. You’ll have to go to court to give this information on oath.
If you're working, your creditor may also want to know when your payday is. This is so they can time a third party order to arrive at the bank on the day when your wages are paid in and you're likely to have more money to pay them.
There’s nothing to stop you withdrawing money from your bank or savings account if you think the creditor is going to apply for a third party debt order. But you may not know about the order until after it has been made.
For more information about how your creditor can get details of your finances, see How a creditor can get information about your finances.
Freezing your bank account
If your creditor wants to get a third party debt order, they will first apply for a temporary order called an interim third party debt order. This order tells your bank or building society to freeze your account. At this point, your account will be frozen but no money will be paid to your creditor until the judge has decided what to do at the final hearing. The final hearing should take place at least 28 days after the interim order is made.
Your creditor doesn’t have to provide specific bank account details to apply for an interim third party debt order but they must have a good reason for thinking you have an account with that bank.
If you've already written cheques or had a standing order or direct debit paid to your creditor, this could be enough evidence for them to apply for the order.
Once an interim order has been made, the court will send a copy to your creditor and your bank or building society. They get a copy seven days before it’s sent to you. This is so you don’t take any money from the account beforehand.
The bank will then freeze your account, up to the amount you owe to the creditor. They may charge you a fee for doing this
An interim third party debt order can cause you lots of problems. Once it's made, you won't be able to get to the money in your account. This may mean you can't pay essential bills, other debts, or even manage day to day living expenses.
If the order will leave you with no money at all and this causes you hardship, you may be able to apply to court for help.
If you get notice of an interim third party debt order, you should get urgent advice from an experienced adviser, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click on nearest CAB.
If freezing your money causes you hardship
If your money has been frozen, this may cause you hardship because you can’t meet day-to-day living expenses. If you're in this situation, you can make an application to court for a hardship payment order.
Make the application on court form N244. You can download the form from the Ministry of Justice website at: www.justice.gov.uk.
When you’ve filled it in, take the form to court yourself with written evidence of your hardship. This evidence can include:
- copies of wage slips
- bank statements
- mortgage account details
- your rent book
- any other documents which show your financial situation.
If other people in your family will be affected because your money is frozen, for example children or an older person living with you, explain on the form how they will be affected. This will help the court to make a fair decision about your situation.
Usually, you have to pay for this application. However, you might not have to pay the fee at all or it could be reduced because your money has been frozen. Ask the court about this when you take the form in.
A judge will deal with your case on the same day you take the application form in. They can make ahardship payment order which orders the bank to release a certain amount of money to you or to someone else, such as your partner. The order will be faxed to the bank and copies will be sent to your creditor.
Your money won’t actually be taken away if the court makes an interim order. There needs to be afinal order for this. For an interim order to be made into a final order, there will be a court hearing. You will be told when the hearing is.
Can you stop the final third party debt order from being made
An interim third party debt order will be made final unless you can show there are good reasons for it not to be made.
You may have good reasons to argue that that the order should not be made final. For example, you may be able to argue that:
- your money is in a joint account and the other accountholder does not owe the debt
- the debt is for a small amount. You can argue that a third party order is too serious a step and the debt could be paid off quickly by instalments. A judge can refuse to make a third party debt order final if they consider that the sum owed is too small to justify it
- making the order will cause a lot of hardship to you or your family
- your account is overdrawn
- the money in your account belongs to someone else
- your money is in a building society or credit union account and you'd be left with less than £1 if the debt were paid. This doesn't apply to other bank accounts.
There are other legal reasons that you might be able to use to argue against an interim order being made final. It's always a good idea to get help from an experienced adviser if your creditor applies for a third party debt order.
You can get help to argue against a final third party debt order from an experienced adviser, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click on nearest CAB.
What happens if the third party debt order is made final
If the third party debt order is made final and the money is being taken from your bank account, the bank has to pay your creditor either:
- the amount in your bank account at the date of the interim order or
- enough to pay the balance owing on the county court judgment or other court order.
The third party debt order can only affect money actually in your bank account at the date when your bank received a copy of the interim order. It doesn’t freeze money paid in at a later date.
If your account is overdrawn on the day the third party order is sent to your bank, your creditor won't get their money as there won't be enough funds to pay the debt. If money is paid into your account after this date, it can't be used to pay off your debt.
Further help
On Adviceguide
- Creditor takes you to court for debt
- Changing a court order for debt
- Bailiffs
- Creditor takes money from your wages
- Charging orders
- How a creditor can get information about your finances
This advice applies to England
Advice can vary depending on where you live.
Choose a country Change country Northern Ireland Scotland Wales
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Action your creditor can take
- Creditor takes you to court for debt
- Bailiffs
- How a creditor can get information about your finances
- Creditor takes money from your bank account
- Creditor takes money from your wages
- Charging orders
- Harassment by creditors
- Your service provider is threatening to disconnect you
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Google all you like, I've chased people for money through the courts and after spending a small fortune, got zero back. I did however get CCJ's and some practical knowledge.
Ive highlighted the biggest mistake in your copy and paste, the OP lives in Australia!
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depends on the finance company whose money it is, I am sure some have ways and means to keep track of people who owe them money. Fraud effects all of us with higher premiums and higher interest on loans.
You're sure? That's it, you've gone from telling the OP that if she revisits the UK on holiday that debt collectors will chase her, and now 'you're sure' they can track debtors
:laugh:
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You are naive. We live in the digital age...
Debts are routinely sold on, and twenty thousand is a significant sum. The OP will be chased if she moves there and possibly even on a holiday.
Naive my arse, debt collection agencies have absolutely zero powers. Chase? Please explain what you mean by chase, and then exactly what are they going to do if they catch the debtor? What if the debtor doesn't run, what will they chase?
I'll tell you what they'll do, they'll send threatening letters, they may call at your door but they cannot take your wallet out and take the money out of it. Especially if there isn't anything in the wallet. Sure they can get CCJ's but all that does is let other lenders know that you have defaulted, nothing else. You can't go to prison and they can't beat you up.
They won't even write it on your Facebook page or tweet about it in the digital age
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Sit back and relax
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Problem is if you return even for a holiday and they find out they will try and recover the money you owe them.
:laugh: What utter clap trap, do you honestly think that equifax know everyone's travel plans and inform creditors which gate you'll be landing at? And what do you mean by try to recover the money? Are they going to stop you buying duty free and take you holiday spends?????
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My sister was with HSBC in the Uk and they sold it to her that it would be better for her to open an HSBC account in Oz and use them to switch her money. As she was changing over £50k she would be a platinum customer for no charge. What did she get for that I hear you ask?
She got $30,000AU less than she would have done had she used a forex company but she was a platinum customer (for no extra charge)
My advice is to play the banks off against each other to get the best deal for yourself, show them no loyalty just as they would with you.
Just received Citizenship what happens to my 190 now?
in Visa Chat
Posted
Australian citizens don’t need a visa so it’s cancelled. You should travel on an Aussie passport.
My Mrs recently had to do an emergency dash to the Uk and didn’t have an Aussie passport. She was pulled aside on her return as she didn’t have a visa but a few quick checks and she was on her way within 5 mins