ChatterBank1 min ago
advice on leaving the UK urgent
12 Answers
I want to migrat to Australia very urgently, I have no major debts in the UK, i am on a morgage with my mother we are joint owners of a flat, unfortunatley shes very stubborn and wont agree to get my name removed from the deeds,
I have no other debts just a few small minor bills like car insurance and minor things like that which can be cancelled and paid off,
Can anyone advice me on what may happen if i leave without my mothers knowledge and the Interpol would they call me back and say 'you have to help pay the morgage'
ill be going to tasmania which is in australia
many thanx
I have no other debts just a few small minor bills like car insurance and minor things like that which can be cancelled and paid off,
Can anyone advice me on what may happen if i leave without my mothers knowledge and the Interpol would they call me back and say 'you have to help pay the morgage'
ill be going to tasmania which is in australia
many thanx
Answers
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A mortgage agreement is written on a jointly and severally basis meaning they can chase both or either of you for any monies owed. They will just chase the easiest to chase - your mother. No one will chase you offshore (they could but they won't). HOWEVER,
1 - Companies like equifax and other credit agencies do check internationally (Europe and Usa at the moment for credit status and defaults - so if your mother defaults after yo have gone this would affect your credit rating.
2 - Entry into OZ may be conditional on your credit being of good standing - which it may be on entry - so don't do anything that may cause them to check again.
3 - there may be asset value in the house - are you sure you want to throw it away.
4 - If you want to get really shirty with your mum then move a tennent in while your away. Try one with bad hygene and loud music.
1 - Companies like equifax and other credit agencies do check internationally (Europe and Usa at the moment for credit status and defaults - so if your mother defaults after yo have gone this would affect your credit rating.
2 - Entry into OZ may be conditional on your credit being of good standing - which it may be on entry - so don't do anything that may cause them to check again.
3 - there may be asset value in the house - are you sure you want to throw it away.
4 - If you want to get really shirty with your mum then move a tennent in while your away. Try one with bad hygene and loud music.
thanx that was helpful, if i prove my credit rating is good when i leave the UK to get into australia wouldnt that prove to the Australian goverment I have an ok credit rating and im ok to enter...
Also can she get authorties to bring me back to the UK? ,, im 23yrs old by the way and should be allowed to travel freely, she knows if i went id be in Tasmania - australia and i think she photocopied my passport.. :-s
she wouldnt know my exact location and would anyone be allowed to disclose this to her?...
a morgage lender just wants thier money they dont care who it comes from in a joint partnership...am i correct in thinking this???
also if she did logde a complaint that i have left etc..what could the morgage lenders do? i mean i dont think they could actually come over to tasmania find me and bring me back could they?
Also can she get authorties to bring me back to the UK? ,, im 23yrs old by the way and should be allowed to travel freely, she knows if i went id be in Tasmania - australia and i think she photocopied my passport.. :-s
she wouldnt know my exact location and would anyone be allowed to disclose this to her?...
a morgage lender just wants thier money they dont care who it comes from in a joint partnership...am i correct in thinking this???
also if she did logde a complaint that i have left etc..what could the morgage lenders do? i mean i dont think they could actually come over to tasmania find me and bring me back could they?
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no my mother has her own house to live in this house is another house we own, well i have a partner in tasmania if we marry we i can stay there as a permanent resident on a spouse visa i understand u wudnt know abt such things, but as a permanent resident i wouldnt be deported would i...?
how can creditors get me deported anyways if im not working i do have people over there who would look after me...
how can creditors get me deported anyways if im not working i do have people over there who would look after me...
In A Pickle
Sat 19/08/06
11:25 Hello there,
Can I just add a few thoughts to the excellent(above) answers.
Even if you can enter Tasmania having defaulted on a mortgage,have you considered just what you are leaving your Mother with?She(presumably) would not be able to pay the full mortgage,and if so the house would be reposessed and she would be on the street.The Police(Interpol or otherwise) would not get involved in this matter.As bizarreday says it would only affect your credit rating on entering Tasmania,I can't see how you think yours will be good,given that you have defaulted on the mortgage.If you do enter Tasmania with a good credit rating,as soon as the credit agencies there hear of the mortgage default,they MAY contact the immigration authorities and you would be deported!
BTW are you intending to work in Tasmania,and if so do you have a work visa?These are issued on a "one entry" basis,that is you can work for as long as you like once in Tasmania,BUT if you ever leave(or are deported) you cannot re~enter(for work at least).
If you mother is subject to re~posession,and you return to the UK, you may find yourself financially liable if the house sold for negative equity.
As far as your location goes,YES if someone knows where you are they are quite at liberty to tell your mother(if she needs to know)
I would not rush into this,it's real minefield that needs serious consideration,and I don't think you have done that;you are storing up many problems for yourself in the future.
Thank you very much for your response it was very incitive, can i ask tho...if agencies here abt the default mortgage how can u be so sure they would contact immigration and get me deported can you back that statement up please? or how much do u feel this to be true???
in a pickle*...thank you again, *hands you roses chocolate box lol kiddn*
Sat 19/08/06
11:25 Hello there,
Can I just add a few thoughts to the excellent(above) answers.
Even if you can enter Tasmania having defaulted on a mortgage,have you considered just what you are leaving your Mother with?She(presumably) would not be able to pay the full mortgage,and if so the house would be reposessed and she would be on the street.The Police(Interpol or otherwise) would not get involved in this matter.As bizarreday says it would only affect your credit rating on entering Tasmania,I can't see how you think yours will be good,given that you have defaulted on the mortgage.If you do enter Tasmania with a good credit rating,as soon as the credit agencies there hear of the mortgage default,they MAY contact the immigration authorities and you would be deported!
BTW are you intending to work in Tasmania,and if so do you have a work visa?These are issued on a "one entry" basis,that is you can work for as long as you like once in Tasmania,BUT if you ever leave(or are deported) you cannot re~enter(for work at least).
If you mother is subject to re~posession,and you return to the UK, you may find yourself financially liable if the house sold for negative equity.
As far as your location goes,YES if someone knows where you are they are quite at liberty to tell your mother(if she needs to know)
I would not rush into this,it's real minefield that needs serious consideration,and I don't think you have done that;you are storing up many problems for yourself in the future.
Thank you very much for your response it was very incitive, can i ask tho...if agencies here abt the default mortgage how can u be so sure they would contact immigration and get me deported can you back that statement up please? or how much do u feel this to be true???
in a pickle*...thank you again, *hands you roses chocolate box lol kiddn*
-- answer removed --
-- answer removed --
any more advice please heres what i plan to do tell me if anyone thinks its a good plan;
sell car, cancel bills, close accounts, take belongings, post (new) house keys to mum and migrat out there, all within a few days...and also when im out there me and my partner out there want to get married, so that would probably happen to.
sell car, cancel bills, close accounts, take belongings, post (new) house keys to mum and migrat out there, all within a few days...and also when im out there me and my partner out there want to get married, so that would probably happen to.
I assume you have your ETA organised? Also, there are rules regarding applying for various visas to stay in Australia whilst you are located there. I am under the impression that just because you marry an Australian ,you do not automatically get the right to live there permanently. I think, and I may well be wrong, that an spouse visa in your case will be issued with a 2 year validity. At the end of this time, you have to prove the relationship is continuing, and then it is extended for another 2. After this, I think it goes to a full PR, although after 2 currently, soon to be 3, years of residency, you can apply for citizenship.
Take it from someone who has emigrated to Oz, it's not as simple as packing a bag and buying a ticket. The DIMIA are a real pain to deal with, and they take a very hard line on immigration compared to the U.K.
The australian govt will NOT deport you because you have a bit of debt in the U.K. People like interpol are really not interested in your debts. They have far bigger things to be concerned with.
As an aside however, and bearing in mind I don't know much about you, your situation and you mother, I do think it's a bit harsh to dump this all on your mum. Sounds like a bit of a whim to me, and you need to think carefully about shafting the person who has raised you, and whether it is all worth it. If it doesn't work out in Oz, you'll face up to all these problems when you have to return to the U.K. They won't just go away. Problem then is, you won't have anywhere to live. I wouldn't put you up if you'd done this to me.....
Take it from someone who has emigrated to Oz, it's not as simple as packing a bag and buying a ticket. The DIMIA are a real pain to deal with, and they take a very hard line on immigration compared to the U.K.
The australian govt will NOT deport you because you have a bit of debt in the U.K. People like interpol are really not interested in your debts. They have far bigger things to be concerned with.
As an aside however, and bearing in mind I don't know much about you, your situation and you mother, I do think it's a bit harsh to dump this all on your mum. Sounds like a bit of a whim to me, and you need to think carefully about shafting the person who has raised you, and whether it is all worth it. If it doesn't work out in Oz, you'll face up to all these problems when you have to return to the U.K. They won't just go away. Problem then is, you won't have anywhere to live. I wouldn't put you up if you'd done this to me.....
very sound advice, i appreciate all the feeback blue virgin, and i know migration out 2 aussie wont be easy its just that i do have a few tricks up my sleeve firstly the prospective marriage visa,,which i cud use, also if i went over on a working holiday visa cud i get married and apply for a spouse visa while i am over there?
i understand wat ure sayn abt shafting all this onto my mother, maybe she shd have been more co-operative and made a deal with me 2 put the house on rent and i wud have helped with the up keep and the maintenance instead of crushing my dreams and telling me who 2 love etc...
well whichever way it works im young, educated and can get into prety much any country with the correct info and enought cash...
many thanx on ure feedback tho
i understand wat ure sayn abt shafting all this onto my mother, maybe she shd have been more co-operative and made a deal with me 2 put the house on rent and i wud have helped with the up keep and the maintenance instead of crushing my dreams and telling me who 2 love etc...
well whichever way it works im young, educated and can get into prety much any country with the correct info and enought cash...
many thanx on ure feedback tho
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