What happens if I leave country without paying IVA?

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mas156
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by mas156 » Tue Oct 03, 2017 5:17 am
hi . I am on iVA for 2 years right now. because I wants move out of UK I sold the house and would like to know consequences to my person if I will leave this country without paying anything to IVA .please give me honest advice. I am not British but I am EU citizen.
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Foggy
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by Foggy » Tue Oct 03, 2017 6:49 am
First the proceeds of the house sale are due to the IVA, so, even if you stay in the UK the IVA will be failed if the money is not paid. Second, if you leave the UK the creditors will be able to chase you in the EU, in the same way as they can if you remain. They might not bother, but it is up to them.

When the IVA fails the lost interest will be added back on and the debts will probably be more than when you started.

If you have not already sold the house there are better ways to proceed. You might find that there is a charge on the house which might stop a sale anyway.
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kallis3
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by kallis3 » Tue Oct 03, 2017 7:21 am
I agree with Foggy - even if you were able to complete your house sale and move, these things have a habit of coming back in the future to bite you on the rear end!!
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mas156
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by mas156 » Tue Oct 03, 2017 8:37 am
Foggy wrote:
First the proceeds of the house sale are due to the IVA, so, even if you stay in the UK the IVA will be failed if the money is not paid. Second, if you leave the UK the creditors will be able to chase you in the EU, in the same way as they can if you remain. They might not bother, but it is up to them.

When the IVA fails the lost interest will be added back on and the debts will probably be more than when you started.

If you have not already sold the house there are better ways to proceed. You might find that there is a charge on the house which might stop a sale anyway.


I sold house 2 months ago and I ask them to make final statement but they charge me a lot for they services. my debt was 23000 I was paying for 2 years and pay them 4000and now on final statement my debt is 23087 so more then before I started. I am not agree with it they charges around 7000. Somebody told me that is criminal offence if I sell house. and run away when I am IVA. that why I would like to know consequences.
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Michael Peoples
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by Michael Peoples » Tue Oct 03, 2017 8:53 am
You should not be able to complete the sale without the IP removing their restriction. If they did not put one on the property then they could still stop the sale with a court order to prevent you leaving with the money. If you did sell and manage to get away with the money [which I doubt] there could be criminal sanction if your IP decided to report you.

Alternatively, if you try and cause problems for the IP and do not comply with your obligations, the IP could make you bankrupt and then proceed with the sale themselves. This would vastly increase the costs so it seems to me you should pay what is owed and take the rest. Had you not entered the IVA your debts may well have increased by that amount anyway so the fees seem reasonable.
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Foggy
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by Foggy » Tue Oct 03, 2017 8:55 am
The charges were agreed when you started the IVA -- at the end is not the time to disagree!

Borrowing money you do not intend to repay is a criminal offence, but it would need one of your creditors to press charges with the police.
Notenglish
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by Notenglish » Wed Oct 11, 2017 6:38 pm
mas156 wrote:
hi . I am on iVA for 2 years right now. because I wants move out of UK I sold the house and would like to know consequences to my person if I will leave this country without paying anything to IVA .please give me honest advice. I am not British but I am EU citizen.

Hi, I am not an expert, just a very upset East European. (I had a very bad day: I have been in this country for 14 years, working 50-70 hours per week, and last year I was on Universal Credit for a month.Only one month! And now the Department of Work and Pension, which is the Universal Credit, too, as it turned out, started to take back that £200 I received for that one month, by forces direct debit. Without any warning. And I just spent £20 on a phone call (0345 number), where a cocky young English guy told me that there is nothing I can do about it. The two answers you got for your question came from English people. They just want us to pay, pay and pay. If I were you, I would look for an answer on other forums as well. I work mainly with foreigners, I have only two English colleagues. We, immigrants, we pay TV License, they don't. They both took out loans, credit cards, and never payed them back. I have been paying IVA for 18 month now. I asked them:"How can you cope without credit cards?" They were laughing, and they showed me their wallets. They had 2-3 fresh credit cards Each!!! An other English guy told me, that he failed his IVA after 6 months. And he had new Aqua and Vanquish cards. I saw them with my own eyes. I just couldn't believe it. How is it possible?! And anyway: How could your creditors track you down in Europe? This country is not even the part of the EU any more! Just don't give your new address to anybody. If I had a property in the UK, I would sell it in a week, keep the money and leave.
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Foggy
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by Foggy » Wed Oct 11, 2017 7:06 pm
Notenglish wrote:
mas156 wrote:
hi . I am on iVA for 2 years right now. because I wants move out of UK I sold the house and would like to know consequences to my person if I will leave this country without paying anything to IVA .please give me honest advice. I am not British but I am EU citizen.

Hi, I am not an expert, just a very upset East European. (I had a very bad day: I have been in this country for 14 years, working 50-70 hours per week, and last year I was on Universal Credit for a month.Only one month! And now the Department of Work and Pension, which is the Universal Credit, too, as it turned out, started to take back that £200 I received for that one month, by forces direct debit. Without any warning. And I just spent £20 on a phone call (0345 number), where a cocky young English guy told me that there is nothing I can do about it. The two answers you got for your question came from English people. They just want us to pay, pay and pay. If I were you, I would look for an answer on other forums as well. I work mainly with foreigners, I have only two English colleagues. We, immigrants, we pay TV License, they don't. They both took out loans, credit cards, and never payed them back. I have been paying IVA for 18 month now. I asked them:"How can you cope without credit cards?" They were laughing, and they showed me their wallets. They had 2-3 fresh credit cards Each!!! An other English guy told me, that he failed his IVA after 6 months. And he had new Aqua and Vanquish cards. I saw them with my own eyes. I just couldn't believe it. How is it possible?! And anyway: How could your creditors track you down in Europe? This country is not even the part of the EU any more! Just don't give your new address to anybody. If I had a property in the UK, I would sell it in a week, keep the money and leave.


Problems with debt and dodging things like TV licences have nothing at all to do with nationality --- We "english" also suffer from universal credit and DWP mess ups. I appreciate that you have had a bad day, but please do not racialise our mutual problems.
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kallis3
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by kallis3 » Wed Oct 11, 2017 9:16 pm
Agree with Foggy. It is nothing to do with nationality and the EU is still part of the UK at the moment.
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Oya
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by Oya » Wed Oct 11, 2017 11:35 pm
Notenglish wrote:
mas156 wrote:
hi . I am on iVA for 2 years right now. because I wants move out of UK I sold the house and would like to know consequences to my person if I will leave this country without paying anything to IVA .please give me honest advice. I am not British but I am EU citizen.

Hi, I am not an expert, just a very upset East European. (I had a very bad day: I have been in this country for 14 years, working 50-70 hours per week, and last year I was on Universal Credit for a month.Only one month! And now the Department of Work and Pension, which is the Universal Credit, too, as it turned out, started to take back that £200 I received for that one month, by forces direct debit. Without any warning. And I just spent £20 on a phone call (0345 number), where a cocky young English guy told me that there is nothing I can do about it. The two answers you got for your question came from English people. They just want us to pay, pay and pay. If I were you, I would look for an answer on other forums as well. I work mainly with foreigners, I have only two English colleagues. We, immigrants, we pay TV License, they don't. They both took out loans, credit cards, and never payed them back. I have been paying IVA for 18 month now. I asked them:"How can you cope without credit cards?" They were laughing, and they showed me their wallets. They had 2-3 fresh credit cards Each!!! An other English guy told me, that he failed his IVA after 6 months. And he had new Aqua and Vanquish cards. I saw them with my own eyes. I just couldn't believe it. How is it possible?! And anyway: How could your creditors track you down in Europe? This country is not even the part of the EU any more! Just don't give your new address to anybody. If I had a property in the UK, I would sell it in a week, keep the money and leave.

I am a British citizen but originally Turkish Whois living in uk over 27 years. I could not believe my eyes reading this post as you are coming into a country and judge their citizens and support illegal activities. I wonder do you pay taxes for those hours you are working as working so many hours you should not be on universal credit anyway so you must have working cash in hand. I can assure you non British citizens having much more benefits than uk citizens. And I think it is not fair at all.
If you come to live in a country one you should fallow their rules and two respect they are opening their door for you.
I have been working since I came to this country and I paid my taxes and when I need help I had all the support I needed. Things didn’t go as planned I had to apply for an Iva everyone in this forum including ENGLISH ones was there for me support.
I hope people like you will be caught and will be departed from this country as you don’t like it very much anyway!
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Foggy
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by Foggy » Thu Oct 12, 2017 6:56 am
Topic locked as drifted off original query and likely to become inflammatory.
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