I left my debt behind and love life now and no-one has bothered me since?

Question

The only problem is that my family in the UK were harrassed for months by phone calls and letters.

Answer 1

Oscar Wilde said something to the effect that not paying bills was the only sure way of being remembered. In this, as in many areas, he was right.

As the previous responder noted, your post doesn't seem very interrogative.

Answer 2

'Neither a borrower nor a lender be.'

Shakespeare.

He knew a thing or two.

Answer 3

These derogatory accounts will remain in your credit report for 7 years as per statue of limitations. However it may not stop the collection agencies or creditors to pursue you for years after that. If you are not in UK and your credit file does not show any new activity then the case will be dormant.  

Answer 4

Good for you. What is the question?

Answer 5

You may think you have left your debts behind, but this may not be the case.

In the UK, debts becomes statute barred after 6 years in England (5 in Scotland) - although debts secured to property are longer.  If however a County Court Judgement is granted against the debt, this prohibits a debt from becoming statute barred.  Even CCJ's once they are 6 years old will need to be taken back to court for permission to enforce the debt.  If this was because they didn't bother to collect the debt for 6 years then the judge may rule against them, but if it was because they were unable to contact you, the judge may make the CCJ enforcable again.

You can check the http://www.registry-trust.org.uk to see if there is a CCJ against you.

(Registry Trust Limited is a not for profit company which operates the Registry of Judgments, Orders and Fines for England and Wales on behalf of the Department for Constitutional Affairs)

If a debt is statute barred, it still exists, but is deemed unenforcable and as long as you notify any collection agency of this and the fact you do not intend to pay it, they should by law stop pursuing you for payment.