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Owain

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Posts posted by Owain

  1. Are we just complaining about international super markets here or does this include BigC as well? I love them and loads of Thais love them as well looking at their car parks which are full.

    Big C if I am not mistaken is part of the Casino group - one of the largest retail groups in the world.

    They have the majority of shares in it now but it was originally set up by a Thai company.

  2. Coming home, I opened the boiler to check what was wrong and I found out that Pressure Switch (a micro switch) was defect.

    I replaced the micro switch (15 Baht) and the boiler was working again.

    Why didn't you do that in the first place? They still seem to repair some electrical goods, tv, dvd,cd and the like but things have come down in price and people have more money.

  3. The information I posted was and is correct, however you introduced the "What if a CCJ was issued".

    To which I then responded.

    OP please, enjoy your beer and forget about it. :D

    It was not correct as you left out that if they had a CC judgement against them then the limitations act would be void. What you posted came across as you could just skip out and the limitations act would mean you would not have to pay the money back. Which was in correct. :o

    This is from the national debt council:

    Creditors may or may not chase you. But if they get a county court judgement they would be able to use enforcement against at any point if you returned to the UK.(NB the statute of limitations becomes irrelevant if a judgement has been obtained.)

    They would know you were back in the UK if you started to apply for credit, because it would show up on your credit reference file and would alert the gone away information network that creditors use specifically to catch up with defaulting debtors.

    If there is a reciprocal agreement between the UK and the country you end up in any UK judgement could be enforced there, too, thru the local courts. There are also international tracing agencies that crediors sometimes use to locate defaulters over seas.

  4. Yes if he was unaware of the original CCJ.

    Sorry for wandering :o

    I will only respond to topical questions raised by the OP.

    But if you wish to start a new Topic Owain, I may contribute

    I was just posting because the information you first posted was in correct. Anyway getting back on topic now the Op has talked to the agency about the debt they have another 6 years to get the money back. I doubt very much they will bother coming to Thailand or pursuing it at home now they know he is out of the country. If you have no assets in the UK then do not worry about it. The worst they can do is make you bankrupt and there is really no point in them doing that if you have no assets as this will cost them more money. Enjoy your time in Thailand and forget about them is my advice.

  5. Debts where a CCJ has been issued are not covered by the Limitation Act, 1980, therefore they can not become 'Statute Barred'. However the claimant must have a very good reason to ask the Courts to enforce a CCJ which is over 6 years old.

    You would need put in your defence that you were unaware of the original CCJ and, since no action had been taken, until now, to 'enforce that ccj' you had, at the time, been unable to submit a defence.

    The guys defence would be that he ran away from the debt to Thailand. You think the court would take that? I doubt it.

  6. Only know they rent them from the Pailyn hotel which is about a mile from the Sukhotthai historical park on the right hand side, cannot miss it it is a huge hotel.

    10 Jarodvithithong Road, Sukhothai 64210 Thailand

    Nice hotel if you need a place to stay while in town.

  7. I have only ever used the spray and did all my body but the soles of my feet then woke up in the morning and was bitten all over the them. My advice for getting bit less is when going out in the night time to wear long trousers and socks. Mossies tend to hang out under tables in bars and restaurants. The amount of time spent in the country also has an affect. I find the longer I am there the less I get bit plus if you do get bit it does not have the reaction on your skin the same as if you have just arrived. I do not think there is any full proof way to get rid of the pesky things.

  8. After 6 years of you the borrower not responding to any letter sent by either the lending bank or the debt collection agency, the debt becomes "statued barred" and nobody can force you to pay it, at this time your credit rating is as good as it was before. "Statued barred" means that you still owe the debt but are under no legal obligation to repay it. All the credit reference agencys would have to remove the "default" recorded on their file. If a debt collector knocked on their door, , within in the 6 year time period, if he/you do sign something to say that you are the owner of the debt, then the 6 years starts again from that date.

    This not really true. If the company takes you to court and gets a judgement against you then the Limitations act which you are quoting above is void.

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