Hi, I need some advice and a few questions answered if possible.
I have accumulated a large debt from credit cards in the UK, and have now left the UK and returned to my country of residence (outside of the EU).
I have a large debt (approx. £15,000) with AMEX which has now been handed over to AIC who have just started calling my place of employment in the new country of residence.
I do not know how they found my place of employment, but I can guess seeing a person's digital footprint is easily traceable to a degree, social networking sites for example.
I am also guessing that they are only guessing I am the correct person, but my name is not a common name and would assume I am the same Jane Doe from England.
I no longer work at that place and now unemployed and in fact cannot afford anything.
I left the UK this year.
I need to know the following;
- Can my debt affect my credit rating in my new country of residence?
- What are AIC empowered to do? I hear they are not able to do much at all, especially as I am for now choosing to ignore them
- Should I declare myself bankrupt in the UK? And if so, what does this do to the entire matter?
I have one bank account left in the UK with less than £50 and no assets in the UK.
Can someone please help answer my questions and provide some guidance.
I do NOT intend on paying the debts for now and hope the matter is put to rest after some time.