Jump to content

You're currently viewing the forum as a Guest
register-now-button_orig.png
and join in with discussions   
ask migration questions
message other members

..and much much more!

Guest lianm1

credit checks

Recommended Posts

Guest lianm1

Hi

Can anyone tell me if you are credit checked internationaly in Australia.

Will my UK credit history show up on a credit search in Oz if i still have my UK account open?

I am getting different answers on the net, some say you start from scratch in Oz

with no following credit from the UK.

Others say the Ozzy banks etc do international searches ?

 

I am hopeing to start a complete fresh with everything including credit.

Is this possible

Share this post


Link to post
Share on other sites
Guest Guest31881

You do start from scratch in Australia, they cannot access the UK credit rating. The data protection act stops UK credit agencies exchanging details with other countries.

 

All they are interested in here is, "can you afford to pay", you start with a good rating, only if you miss payments does it deteriorate

Share this post


Link to post
Share on other sites
Guest feelthebolo
Hi

Can anyone tell me if you are credit checked internationaly in Australia.

Will my UK credit history show up on a credit search in Oz if i still have my UK account open?

I am getting different answers on the net, some say you start from scratch in Oz

with no following credit from the UK.

Others say the Ozzy banks etc do international searches ?

 

I am hopeing to start a complete fresh with everything including credit.

Is this possible

 

 

Hey

 

Just to say. Im in a similar situation and looking to start from scratch. So thats good news!

Share this post


Link to post
Share on other sites
Guest simmo50

so just to clarify, if you leave thousands of pounds on credit cards in the uk unpaid , they wont check the history of this in uk, but will the credit card companies be able to trace you in oz and come looking for you, hyperthetically of course!!

Share this post


Link to post
Share on other sites
so just to clarify, if you leave thousands of pounds on credit cards in the uk unpaid , they wont check the history of this in uk, but will the credit card companies be able to trace you in oz and come looking for you, hyperthetically of course!!

 

The UK credit card firm can sell the debt to an international debt collector. There is currently no way a UK debt can be legally chased in Australia. However there have been instances where certain Aussie debt collectors have tried this. Presumably in the hope that ex-pats wont know the law and will pay up.

 

There was an Australian court hearing some months ago now that threw the debt collectors case out so the chances of that happening again are slim.

 

A UK bank or card company is unlikely to track you down to Australia within the first few months. However, if the debt is big enough to warrant further investigation they may try to find out where you are.

 

Obviously the first place they start looking is your card statements. If you've paid $1000 to the Australian Immigration department on your credit card, it's pretty obvious where you've gone!

 

They may also write letters to your former addresses, including your parents, so you need to think about how they will react knowing you've run away from debts.

 

I dont know any of this from personal experience but have a friend who is now in Oz who left about £34k behind in the UK.

 

There is a "UK debt being chased overseas" section on the forums at http://www.consumeractiongroup.co.uk

 

Why not go bankrupt before you leave?


Skills as'mt sent 4/6/11-As'mt pass 20/09-IELTS 22/10-WA SS App 5/11-SS Grant 9/11

*Xmas break*

176App 29/01-C.O 17/02-Meds 10/03-Police 22/03-Visa Grant 4/4

Share this post


Link to post
Share on other sites
The UK credit card firm can sell the debt to an international debt collector. There is currently no way a UK debt can be legally chased in Australia. However there have been instances where certain Aussie debt collectors have tried this. Presumably in the hope that ex-pats wont know the law and will pay up.

 

There was an Australian court hearing some months ago now that threw the debt collectors case out so the chances of that happening again are slim.

 

A UK bank or card company is unlikely to track you down to Australia within the first few months. However, if the debt is big enough to warrant further investigation they may try to find out where you are.

 

Obviously the first place they start looking is your card statements. If you've paid $1000 to the Australian Immigration department on your credit card, it's pretty obvious where you've gone!

 

They may also write letters to your former addresses, including your parents, so you need to think about how they will react knowing you've run away from debts.

 

I dont know any of this from personal experience but have a friend who is now in Oz who left about £34k behind in the UK.

 

There is a "UK debt being chased overseas" section on the forums at www.consumeractiongroup.co.uk

 

Why not go bankrupt before you leave?

 

 

wasn't there some post saying that courts can come after you if a ccj is actioned/established prior to you leaving, and therefore it can be pursued internationally......however if they (the creditor) takes you to court and is awarded ccj against you in your absence (when you have left) this can not be enforced internationally.


RGN (43) OH (47) 2 daughters (6 & 4):hug: AHPRA applied Sept. '11 & granted Jan. '12. Job offer June '12...e457 lodged 23 aug.'12..medical 28 aug.'12.. visa granted 6 Sept.'12!.. Arrived in Oz 4 Nov 2012.....!

Share this post


Link to post
Share on other sites
Guest Pete the Feet

UK under the Eu Monetery system, Australia is on it's own, they can't trace you unless a family member knows where you are and tells them. Even maintenance is hard to be followed up as the the UK CSA is underfunded and won't persue as the money obtained is very little. Also the Australians don't like anything to do with the UK so they won't go out of their way to help. So skank them as much as you can and good luck.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

×