Uk Debt In Thailand

[ClaytonSeymour]

Troll here,

Anyway. I am involved in private loan business and anyone who ever tries to skip town has always been found to repay their debts. It may take longer to receive the amount owed than anticipated but the genuine effort to repay is always considered the right thing to do. This is what is wrong with the world we live today. People & organizations borrow money with little to no intentions of repaying the debt and then when things get tough and they can no longer pay the minimum payments they split town or declare bk. I personally don't care if you declare BK I will get my money eventually. Been doing this a long time and have had all loans repayed.

If I were you I would call my creditors and negotiate down. If your creditors are like me than I don't care and won't take less than what is owed including interest. So I feel no sympathy for you but all I can say is pick up eventually and work it out with your creditors.

In the UK, you can't do nothing if someone declares themselves bankrupt - your moneys gone. Your posting, especially talk of the private loan business suggests to me that you are a "loan shark." I wouldn't give your sorts the time of day and morally I think your far worse than any debtors on here or elsewhere - you prey on the weak.

For the OP, please ignore anything that this scumbag has to say.

[Scott]

It's always better to clear things things up--for better or worse--either with the debtor or the courts. No fun looking over your shoulder. Unfortunately, computers and a lot of changes (in part due to terrorism) make information much more readily available to lots of people, gov'ts and institutions.

Best of luck to you.

[mikethevigoman]

Troll here,

Anyway. I am involved in private loan business and anyone who ever tries to skip town has always been found to repay their debts. It may take longer to receive the amount owed than anticipated but the genuine effort to repay is always considered the right thing to do. This is what is wrong with the world we live today. People & organizations borrow money with little to no intentions of repaying the debt and then when things get tough and they can no longer pay the minimum payments they split town or declare bk. I personally don't care if you declare BK I will get my money eventually. Been doing this a long time and have had all loans repayed.

If I were you I would call my creditors and negotiate down. If your creditors are like me than I don't care and won't take less than what is owed including interest. So I feel no sympathy for you but all I can say is pick up eventually and work it out with your creditors.

Crap, blood out of a stone ?.i also worked for a bailiff company, over 50 per cent were written off as no means,.if you are talking a private loan business and not a recovery business then you obviously were using bully boy tactics to recover ,.the banks and finance companies dont operate that way, that is not the way in the uk to which this op is talking about,.his was not a private loan, we all know what private loan companies are capable of,especially in thailand,Oh and id be interested to hear how you ( legally ) collect money from a uk bankrupt ) ,.

[mikethevigoman]

would they be mail in and the money sent/drawn to where the house and vehicle purchase was taking place.

Doing more than 10K in money wires transfers in a few weeks time will show up. Thinking you can send small

amounts several times does not miss the movements being traced, the senders name still comes up with total amount

being tracked. Guys we are in the age of everything being seen by computer. You all must think these loan companies are in the dark ages or something. Easy getting credit, no doubt hiding how much you obtain, don't think so.

I think you are in the dark ages regarding how much IT systems are linked.

You really ought to know what you are talking about is being so wriong makes you look a bit daft! In fact this has been in the news just this week in the UK - I beleive that that lenders are forbidden by law to tell each other how much you borrowed.

When they consult your credit report they do not know the total you have borrowed

As for transferring over 10K - that was always a USA thing that may have come to the UK post 9/11 - does anyone know.

The UK Chancellor speaking just last week on easy credit

""They need to ask themselves, 'can I repay this?', and lenders need to ask themselves 'if it goes wrong can I get it back?'," he said.

"Institutions themselves need to open their eyes and be more honest. When someone comes up with a fantastic way of making money, they need to ask, how is this money being made and what are the risks?"

His remarks are designed to allay fears that the country is on the brink of an economic downturn, but are likely to be taken as a watershed, signalling an end to the credit boom which has characterised most of Labour's last decade in office.

And he said both banks and consumers needed to look at changing their attitude towards loans. "Institutions have in some cases been prepared to lend to people without checking if they were ever going to repay it," he said"

Wrong again im afraid, on equifax and hyperion amongst other credit reporting agencies in the uk the loan amount and term is there for all to see,( including reports of late payments ) it took 20 years for the uk to catch up with the us and record similar to the TRW system, another reason these lenders sometimes deserve all they get,.why do you think we dont have our photo on a credit card ? .lazy irresponsible lenders,.

[mikethevigoman]

Troll here,

Anyway. I am involved in private loan business and anyone who ever tries to skip town has always been found to repay their debts. It may take longer to receive the amount owed than anticipated but the genuine effort to repay is always considered the right thing to do. This is what is wrong with the world we live today. People & organizations borrow money with little to no intentions of repaying the debt and then when things get tough and they can no longer pay the minimum payments they split town or declare bk. I personally don't care if you declare BK I will get my money eventually. Been doing this a long time and have had all loans repayed.

If I were you I would call my creditors and negotiate down. If your creditors are like me than I don't care and won't take less than what is owed including interest. So I feel no sympathy for you but all I can say is pick up eventually and work it out with your creditors.

In the UK, you can't do nothing if someone declares themselves bankrupt - your moneys gone. Your posting, especially talk of the private loan business suggests to me that you are a "loan shark." I wouldn't give your sorts the time of day and morally I think your far worse than any debtors on here or elsewhere - you prey on the weak.

For the OP, please ignore anything that this scumbag has to say.

Seconded, and better put than my very similar reply to this know nort wind up merchant !

[Prakanong]

It's always better to clear things things up--for better or worse--either with the debtor or the courts. No fun looking over your shoulder. Unfortunately, computers and a lot of changes (in part due to terrorism) make information much more readily available to lots of people, gov'ts and institutions.

Best of luck to you.

Data protections law's in the UK and europe are pretty strict. Yes govt's do pass information but not as much as you would think - just look atthe fuss between EU and USA over passenger details on flights.

As for institutions - they can pass even less about you around.

[mikethevigoman]

would they be mail in and the money sent/drawn to where the house and vehicle purchase was taking place.

Doing more than 10K in money wires transfers in a few weeks time will show up. Thinking you can send small

amounts several times does not miss the movements being traced, the senders name still comes up with total amount

being tracked. Guys we are in the age of everything being seen by computer. You all must think these loan companies are in the dark ages or something. Easy getting credit, no doubt hiding how much you obtain, don't think so.

Do you really think the government is the slight bit interested in who is borrowing what from banks and if they are defaulting,.? you sound very misinformed my friend,.

[Prakanong]

would they be mail in and the money sent/drawn to where the house and vehicle purchase was taking place.

Doing more than 10K in money wires transfers in a few weeks time will show up. Thinking you can send small

amounts several times does not miss the movements being traced, the senders name still comes up with total amount

being tracked. Guys we are in the age of everything being seen by computer. You all must think these loan companies are in the dark ages or something. Easy getting credit, no doubt hiding how much you obtain, don't think so.

I think you are in the dark ages regarding how much IT systems are linked.

You really ought to know what you are talking about is being so wriong makes you look a bit daft! In fact this has been in the news just this week in the UK - I beleive that that lenders are forbidden by law to tell each other how much you borrowed.

When they consult your credit report they do not know the total you have borrowed

As for transferring over 10K - that was always a USA thing that may have come to the UK post 9/11 - does anyone know.

The UK Chancellor speaking just last week on easy credit

""They need to ask themselves, 'can I repay this?', and lenders need to ask themselves 'if it goes wrong can I get it back?'," he said.

"Institutions themselves need to open their eyes and be more honest. When someone comes up with a fantastic way of making money, they need to ask, how is this money being made and what are the risks?"

His remarks are designed to allay fears that the country is on the brink of an economic downturn, but are likely to be taken as a watershed, signalling an end to the credit boom which has characterised most of Labour's last decade in office.

And he said both banks and consumers needed to look at changing their attitude towards loans. "Institutions have in some cases been prepared to lend to people without checking if they were ever going to repay it," he said"

Wrong again im afraid, on equifax and hyperion amongst other credit reporting agencies in the uk the loan amount and term is there for all to see,( including reports of late payments ) it took 20 years for the uk to catch up with the us and record similar to the TRW system, another reason these lenders sometimes deserve all they get,.why do you think we dont have our photo on a credit card ? .lazy irresponsible lenders,.

I definately heard this talked about on either BSkyB or BBC World last week - it was specifically talking about this as I thought it was a given and thought it strange.

[Ricardo]

May I join Taxexile in adding a slight note of disapproval ? My investment-portfolio includes UK-banks and financial-services companies, so I heartily dislike people who run up a debt, and then do a runner ! The same ought to apply to anyone else who has investments or a pension-fund. It is our money which has gone-missing, we need it to maintain our own lifestyles, and the fact that bankers are fat-cats who lend like drunken sailors on pay-day is beside the point.

I would advise the OP to be very wary of repeating his actions here. Thais are less forgiving than UK-banks, things can get very heavy, and life is cheap.

On the other hand, regarding his old UK debts, I can offer the personal experience of a family-member, who ran up debts on credit-cards while in the UK before returning to Thailand, where she continued to draw upon the cards for a while. She subsequently received a visit from the Thai police. On my advice, she posted her cut-up cards back to the bank in the UK, without explanation, and the 'heat' went away. They had been mainly concerned that no further debts were going to be run-up.

[Khun ?]

May I join Taxexile in adding a slight note of disapproval ? My investment-portfolio includes UK-banks and financial-services companies, so I heartily dislike people who run up a debt, and then do a runner ! The same ought to apply to anyone else who has investments or a pension-fund. It is our money which has gone-missing, we need it to maintain our own lifestyles, and the fact that bankers are fat-cats who lend like drunken sailors on pay-day is beside the point.

I would advise the OP to be very wary of repeating his actions here. Thais are less forgiving than UK-banks, things can get very heavy, and life is cheap.

On the other hand, regarding his old UK debts, I can offer the personal experience of a family-member, who ran up debts on credit-cards while in the UK before returning to Thailand, where she continued to draw upon the cards for a while. She subsequently received a visit from the Thai police. On my advice, she posted her cut-up cards back to the bank in the UK, without explanation, and the 'heat' went away. They had been mainly concerned that no further debts were going to be run-up.

You cannot run up cards that turned off and if you use where the vendor is responsible to insure the card is still valid.

In this case a foreigner stealing by using a credit card would receive what they deserve jail time.

Stealing is stealing and low lifes such as many that end up in Thailand, hope they get their just dues.

Would be nice to have court orders require no government support of passport. This would teach em very well.

Civil may be hard times on a credit card, using several that gets maxed out should point out the person is nothing but an irresponsible thief and without a valid passport would not be able to run away from justice.

This is the type of deadbeats people are trying to get away from back home, Thailand seems to be a haven for them though.

[N47HAN]

If your loans were unsecured you would of been paying a higher interest rate than a secured loan. INBUILT into this is a margin the banks EXPECT to lose. Rightly or Wrongly the banks expect this to happen , so maybe just consider yourself one of the customers they EXPECT to default.

Its not ideal , its not good for all who pay higher rates because of this , BUT it is a FACT.

As for hassle , ZERO. They cannot legally enforce payment whilst you are here , as for if you go back , well thats a different story. Just stay low

[Khun ?]

It's always better to clear things things up--for better or worse--either with the debtor or the courts. No fun looking over your shoulder. Unfortunately, computers and a lot of changes (in part due to terrorism) make information much more readily available to lots of people, gov'ts and institutions.

Best of luck to you.

Data protections law's in the UK and europe are pretty strict. Yes govt's do pass information but not as much as you would think - just look atthe fuss between EU and USA over passenger details on flights.

As for institutions - they can pass even less about you around.

You better read the agreements when requesting credit card or loan application.

Kind of stupid to think you can run off from your agreement and they cannot say or do anything about it.

One of the reasons the U.S. changed bankruptcy laws a few years back, to many liars and theives having access to credit.

Now many companies check credit history before they will hire a person. Only time before it catches on in the U.K.

Edited September 19, 2007 by Khun ?

[patongpanda]

I could go a long way on 80 grand. 250 grand would set me for life.

It's something to keep in mind if the poop ever hits the fan.

[ClaytonSeymour]

May I join Taxexile in adding a slight note of disapproval ? My investment-portfolio includes UK-banks and financial-services companies, so I heartily dislike people who run up a debt, and then do a runner ! The same ought to apply to anyone else who has investments or a pension-fund. It is our money which has gone-missing, we need it to maintain our own lifestyles, and the fact that bankers are fat-cats who lend like drunken sailors on pay-day is beside the point.

I would advise the OP to be very wary of repeating his actions here. Thais are less forgiving than UK-banks, things can get very heavy, and life is cheap.

On the other hand, regarding his old UK debts, I can offer the personal experience of a family-member, who ran up debts on credit-cards while in the UK before returning to Thailand, where she continued to draw upon the cards for a while. She subsequently received a visit from the Thai police. On my advice, she posted her cut-up cards back to the bank in the UK, without explanation, and the 'heat' went away. They had been mainly concerned that no further debts were going to be run-up.

You cannot run up cards that turned off and if you use where the vendor is responsible to insure the card is still valid.

In this case a foreigner stealing by using a credit card would receive what they deserve jail time.

Stealing is stealing and low lifes such as many that end up in Thailand, hope they get their just dues.

Would be nice to have court orders require no government support of passport. This would teach em very well.

Civil may be hard times on a credit card, using several that gets maxed out should point out the person is nothing but an irresponsible thief and without a valid passport would not be able to run away from justice.

This is the type of deadbeats people are trying to get away from back home, Thailand seems to be a haven for them though.

The person who "maxes" his credit cards may be a thief in your opinion but, more importantly for the OP, not in the eyes of UK law and by the way, in the UK, once someone does approach the limit on his card, he/she would probably find that the greedy lender would raise it encouraging them to borrow more; while ever they are making payments the limit will keep going up.

I was discussing this topic yesterday evening, an ex-colleague of mind explained how he had recently received a letter from a credit card company stating that they were raising his credit limit in order to "boost his spending power to relect his status". FYI he pays his card in full every month & the raise was from £4000 to £8000 - obviously an attempt to encourage him to make a large purchase on his card - this typifies many of the UK lenders.

[ClaytonSeymour]

I could go a long way on 80 grand. 250 grand would set me for life.

It's something to keep in mind if the poop ever hits the fan.

Indeed so, I know of people who don't have life assurance, their reasoning being that if they did get critically/terminally ill - they would take out loans/credit cards. I think there exists a certain belief that if you don't screw the system - someone else will, so you may as well have your slice of the cake. If you look at the UK Social Security system etc. you will find there is a good deal of truth in the last sentence. If you look into this you'll find that amongst the biggest culprits in this are the South Asians who rape the UK benefits system and send the money back to their mother lands - this also applies to loans/credit cards too.

[ClaytonSeymour]

It's always better to clear things things up--for better or worse--either with the debtor or the courts. No fun looking over your shoulder. Unfortunately, computers and a lot of changes (in part due to terrorism) make information much more readily available to lots of people, gov'ts and institutions.

Best of luck to you.

Data protections law's in the UK and europe are pretty strict. Yes govt's do pass information but not as much as you would think - just look atthe fuss between EU and USA over passenger details on flights.

As for institutions - they can pass even less about you around.

You better read the agreements when requesting credit card or loan application.

Kind of stupid to think you can run off from your agreement and they cannot say or do anything about it.

One of the reasons the U.S. changed bankruptcy laws a few years back, to many liars and theives having access to credit.

Now many companies check credit history before they will hire a person. Only time before it catches on in the U.K.

If you make yourself bankrupt there is little they can do about - it's not stupid. I am now beginning to wonder if you're just posting in this thread to keep it going, stirring up trouble and conflict at the same time? Why can't you accept what has been explained to you about debts in the UK? If you don't like it just accept it.

[Prakanong]

It's always better to clear things things up--for better or worse--either with the debtor or the courts. No fun looking over your shoulder. Unfortunately, computers and a lot of changes (in part due to terrorism) make information much more readily available to lots of people, gov'ts and institutions.

Best of luck to you.

Data protections law's in the UK and europe are pretty strict. Yes govt's do pass information but not as much as you would think - just look atthe fuss between EU and USA over passenger details on flights.

As for institutions - they can pass even less about you around.

You better read the agreements when requesting credit card or loan application.

Kind of stupid to think you can run off from your agreement and they cannot say or do anything about it.

One of the reasons the U.S. changed bankruptcy laws a few years back, to many liars and theives having access to credit.

Now many companies check credit history before they will hire a person. Only time before it catches on in the U.K.

Not saying you can run off from your agreement but it is stupid of you to remark what private data can be passed around in the UK and EU without knowing the facts.

You really think the UK/EU will pass as much data around - why did they fight the USA requests so hard for details on passengers flying from Europe to the USA then?

Why the F$%^ are you so arrogant to think the UK/EU would follow the USA in EVERYTHING?????

My current company certainly checks credit rating and much more for all certain level jobs and for all jobs with certain access ir Finance and IT - I am pretty sure a lot of other UK companies do this too but having seen the guidelines and how they check they are rather limited by Data Protection law.

[Prakanong]

It's always better to clear things things up--for better or worse--either with the debtor or the courts. No fun looking over your shoulder. Unfortunately, computers and a lot of changes (in part due to terrorism) make information much more readily available to lots of people, gov'ts and institutions.

Best of luck to you.

Data protections law's in the UK and europe are pretty strict. Yes govt's do pass information but not as much as you would think - just look atthe fuss between EU and USA over passenger details on flights.

As for institutions - they can pass even less about you around.

You better read the agreements when requesting credit card or loan application.

Kind of stupid to think you can run off from your agreement and they cannot say or do anything about it.

One of the reasons the U.S. changed bankruptcy laws a few years back, to many liars and theives having access to credit.

Now many companies check credit history before they will hire a person. Only time before it catches on in the U.K.

If you make yourself bankrupt there is little they can do about - it's not stupid. I am now beginning to wonder if you're just posting in this thread to keep it going, stirring up trouble and conflict at the same time? Why can't you accept what has been explained to you about debts in the UK? If you don't like it just accept it.

I think he is some doddery old geezer who just can not get plain facts into his head regarding UK debt, credit law and bankruptcy plus the blinding arrogance about data protection laws.

[Manchester]

No one MADE you take the money or run away without even attempting to talk with your creditors, you made a calculated decision to run away so don't be surprised that others don't condone it.Be a man and at least return to the UK and declare bankrupt, At the moment it's still theft any way you cut it.

I didn,t run.................flew first class. Be a man and declare bankruptcy? Hahahahhaah . You for real?

Mmmmmmmmmmmm, i,ll pay 50 pence a month thanks. Saves me the air fare and the court fees. Gotta have some money to take care of the pool and the mia noi.

Theft? UK law says it theft? Errrrrrrrrrrrrrrrrr sure it does. Get a life.

[Khun ?]

I am with you all too. Why don't we just make our own credit cards and ATM cards.

Sounds like the just of it anyways. Nothing wrong with stealing someone elses credit, wasn't going to be paid anyways.

[Wolfie]

Some posts have been removed from this thread. This is now the final warning, insults and name calling will not be tolerated here and suspensions will be issued if a member of the moderator team has to remove posts again

[mikethevigoman]

May I join Taxexile in adding a slight note of disapproval ? My investment-portfolio includes UK-banks and financial-services companies, so I heartily dislike people who run up a debt, and then do a runner ! The same ought to apply to anyone else who has investments or a pension-fund. It is our money which has gone-missing, we need it to maintain our own lifestyles, and the fact that bankers are fat-cats who lend like drunken sailors on pay-day is beside the point.

I would advise the OP to be very wary of repeating his actions here. Thais are less forgiving than UK-banks, things can get very heavy, and life is cheap.

On the other hand, regarding his old UK debts, I can offer the personal experience of a family-member, who ran up debts on credit-cards while in the UK before returning to Thailand, where she continued to draw upon the cards for a while. She subsequently received a visit from the Thai police. On my advice, she posted her cut-up cards back to the bank in the UK, without explanation, and the 'heat' went away. They had been mainly concerned that no further debts were going to be run-up.

ThaI police visit over a non fraud credit card debt ? bullshit,.

[Jingthing]

Whats done is done. Brave of you to put yourself out here for the many people who just want to lecture you and feel superior. Just a comment to let you know there are people in the world who feel compassion for people like you in a money pickle. It doesn't sound like you will ever be able to pay back that debt. All you can do is figure a way out that that allows you to keep your freedom, health, and sanity, and in that I wish you good luck. I don't know the UK laws, but in the US the majority of people who go into massive debt and bankruptcies are due to health problems, not always a voluntary situation.

Edited September 19, 2007 by Jingthing

[Prakanong]

I am with you all too. Why don't we just make our own credit cards and ATM cards.

Sounds like the just of it anyways. Nothing wrong with stealing someone elses credit, wasn't going to be paid anyways.

Khun - you know you have ben going on about all the USA systems of tracking down money and not allowing passports to debtors?

What about OJ Simpson then - how much does he owe the Goldman family?

Until a few minutes ago he had a US passport and its only now surrendered for his Vegas case - all that debt abd he could go where he wanted

How about his money salted away offshore - where are these govt and institution eyes you are talking about?

I know which one I find more disgusting and its OJ not the OP!!

[blizzard]

oj and op have one thing in common, very immature...............lol

.

debt problems never go away by running and hiding.

thai gurls , this gurl picked the wrong man. woman supposed to rely on man not farang on thai gurl.....lol

[Dave the Dude]

The person who "maxes" his credit cards may be a thief in your opinion but, more importantly for the OP, not in the eyes of UK law and by the way, in the UK, once someone does approach the limit on his card, he/she would probably find that the greedy lender would raise it encouraging them to borrow more; while ever they are making payments the limit will keep going up.

I was discussing this topic yesterday evening, an ex-colleague of mind explained how he had recently received a letter from a credit card company stating that they were raising his credit limit in order to "boost his spending power to relect his status". FYI he pays his card in full every month & the raise was from £4000 to £8000 - obviously an attempt to encourage him to make a large purchase on his card - this typifies many of the UK lenders.

Hi

I would agree with the above. I retired early,have no income and returned back to the Uk where I found a letter from one of my Credit card companies telling me :- We notice you have not used card for some time and want to entice you(me) back to them. Start spending at a reduced interest rate AND AS MUCH AS YOU LIKE!(No limit??)

I keep wondering why not spend,spend, spend and then B*gger off

Edited September 19, 2007 by Dave the Dude

[Prakanong]

The person who "maxes" his credit cards may be a thief in your opinion but, more importantly for the OP, not in the eyes of UK law and by the way, in the UK, once someone does approach the limit on his card, he/she would probably find that the greedy lender would raise it encouraging them to borrow more; while ever they are making payments the limit will keep going up.

I was discussing this topic yesterday evening, an ex-colleague of mind explained how he had recently received a letter from a credit card company stating that they were raising his credit limit in order to "boost his spending power to relect his status". FYI he pays his card in full every month & the raise was from £4000 to £8000 - obviously an attempt to encourage him to make a large purchase on his card - this typifies many of the UK lenders.

Hi

I would agree with the above. I retired early,have no income and returned back to the Uk where I found a letter from one of my Credit card companies telling me :- We notice you have not used card for some time and want to entice you(me) back to them. Start spending at a reduced interest rate AND AS MUCH AS YOU LIKE!(No limit??)

I keep wondering why not spend,spend, spend and then B*gger off

I have seen people without income offered money too and lots of it - the lending institutions require prudence too but while there was cheap money they could lend it to risky clients at massive interest rates which covers the risk of the minority non-payers.

My own Mother who is on the bare minimum from the Govt as a pensioner and has not worked for 30 years was offered and got one. She was on 70 GBP a week or something. She thought it was Christmas till the limit was up and my sister paid it back and cut up the card.

Spent it on food and treats for her grandkids

[Prakanong]

oj and op have one thing in common, very immature...............lol

.

debt problems never go away by running and hiding.

thai gurls , this gurl picked the wrong man. woman supposed to rely on man not farang on thai gurl.....lol

Yes - OJ is lying murdering bastard

Dunno about that - stay away from the UK a few years and they do go away in many cases.

Bet you wish you could get a girl to support you

[englishoak]

I didn,t run.................flew first class. Be a man and declare bankruptcy? Hahahahhaah . You for real?

Mmmmmmmmmmmm, i,ll pay 50 pence a month thanks. Saves me the air fare and the court fees. Gotta have some money to take care of the pool and the mia noi.

Theft? UK law says it theft? Errrrrrrrrrrrrrrrrr sure it does. Get a life

You are a perfect example of what happens when someone faces failure and can't deal with it. Congratulations you have impressed everyone on TV, what a wonderful,smart guy you are.

[crewcut]

The following may help regarding un-secured loans in the UK:

If after 6 years there has been no contact or repayments on the loan(s) and no CCJ(s) have been taken out there is nothing they can do to get the money back. They may write to you and threaten all sorts but unless you admit to the debt or start making payments then there is nothing that they can legally do. You can write to the registrar’s office and find out if any CCJs have been taken out, if there has then these never go away and can be followed up at any time. Try to keep off databases in the UK where ever possible. The DVLC seems to share its info with anyone who wants it (for a small subscription I would imagine).

I find it very difficult to think that any one would chase you to Thailand to try to recover the money.

The main problem is that because of your condition, you will continue to be anxious and worried until something is resolved and every letter received back home makes you worse.

You need to listen to your conscience.

I would think that your best bet would be to listen to previous advice and declare bankruptcy, although I do not know all the facts about bankruptcy law in the UK.

Stop worrying, you’re making yourself sick, lighten up its only money and there is always a solution.