I had a bank loan and credit card and went to live in New Zealand with my family in 1998. I had told my creditors where I was going and had every intention of re-paying the debts. But things didn't work out well financially and my low income meant that i couldn't keep up with re-payments. Then I had some health problems and in a panic I moved without telling the creditors. I did get some forwarded letters from a collection company in the UK (in 1998) threatening legal action - I didn't reply. More panic. I then sold up and returned to the UK with my family in 2000 but more chronic health problems soon lost me my job in the UK and so I was too afraid to contact my creditors due to lack of funds. I've heard nothing from anyone since 1998 and am still on a very low income.
Before I deal with any creditors I'd like to get any details of court judgements. Is it worth trying to get hold of details of any CCJ's in the UK for that period (from the Registry Trust or credit ref agencies) or should I look to New Zealand for these details? Is it likely that the creditors/collection people would have gone for a CCJ in the UK, knowing that I was in NZ, or would they have sold the debt on to someone in NZ or taken legal action there? Or is there a reciprocal agreement between the UK and NZ?
I'm aware of the 6 year thing and just want to know my status before I face up to any creditors. Any information would be much appreciated.