Firstly, Hi to everyone here and the advice people give is one reason why I decided to post on this forum.
I have lived in the Middle East (Lebanon) for about 4 years after leaving the UK with my wife and children.
Last year, I took a loan out (online) through my bank with which I have had dealings with for 20+ years. After about 4 months, I was unable to continue with payments. The bank has been writing to me and I have been ignoring the letters as I have no idea how to sort this out. The bank has now terminated the agreement and I am anxiously waiting to see what happens.
My wife doesn't know about this and I am also out of work. I have a very small income to live on while I find work.
My questions are;
Can the bank enforce a CCJ here? I have no UK address or any type of property back in the UK and have in effect left for good. My mail is redirected to my address abroad and the bank has my address abroad as well.
There are no collection agencies here so what can the bank do?
Should I register my home in my daughter's name just in case?
If only I took the loan out, is my wife liable in any way even if the account is in joint names? If not, should I register the house in her name?
I am really worried that they may use heavy-handed tactics because they may think they have less chance of recovering the money here than if they were in the UK.
The debt was for about £12k.
Thanks in advance,