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Personal loan in Poland? (not paid off)

ava123 1 | 5  
9 Oct 2008 /  #1
Hi I'm new to this site and I have a question about a personal loan in Poland.
A friend of mine took out a personal loan in Poland and didn't pay it off then moved overseas.
Her mum is still in Poland and since the loan is way over due the Police went to her house and questioned her mum.
The loan was for 40,000 zloty.
My question is can they do anything to my friend if she never returns to Poland?
Can they do anything to her overseas?
Or will they write it off as a bad debt.
Any info would be greatly appreciated...thankyou.
Gab - | 133  
9 Oct 2008 /  #2
Before she gives her mother a heart attack, she should take care of it: pay it off!

She seems quite irresponsible to me. They can locate her no problem, it's just a matter of time. They might even stop her while she's crossing the border. My advice is: get a lawyer and let him take care of it.

What is she needs to take another loan in the future? That will show on her record.
dat 2 | 62  
9 Oct 2008 /  #3
They might even stop her while she's crossing the border.

I think she already done did it.
Avalon 4 | 1,068  
10 Oct 2008 /  #4
As far as I am aware (you should check on the EU website) only Governments have the powers to chase debts in member states. Any taxes due in any EU state can be persued by the equivalant department in another state where the defaulter now resides.

These recipricol arrrangements are normally made for taxation and possibly, to reclaim health care charges. All member states signed up to this agreement prior to Poland joining the EU, so, I am wondering as to the legallity of this arrangement, as for some time, the Polish goverment was asking for tax on money that had already been taxed in the UK.
dtaylor 9 | 823  
10 Oct 2008 /  #5
I would advise your friend to pay it back. As banks can sell the personal loans to foreign debt collectors and recoup their money that way.
pawian 195 | 19,915  
10 Oct 2008 /  #6
If the matter is taken to court and it decides she owes money and has to pay it back, the police will be after her if she doesn`t.

Besides, the loan will never terminate, what is worse, interest rates will be added to it. One day she will have to pay much more than the original 40.000.

Unless she chooses to live in the Amazon jungle for the rest of her life.
Gab - | 133  
10 Oct 2008 /  #7
That was my point exactly. I'm assuming she will want to visit her mother one day, right? She will have to cross the border. She is living in the EU now, so finding her shouldn't be a problem I don't think. Plus, why is she being so stubborn? Just pay off the damn thing overtime in small portions. It would be better for her than not doing a thing about it, but running away.
OP ava123 1 | 5  
11 Oct 2008 /  #8
She is living in the EU now

She isn't in the EU and her mum visits her overseas.
Yes I agree she should pay it off but she won't I guess she would need to be within the EU for anything to happen.

dcchris 8 | 432  
11 Oct 2008 /  #9
they have this black list in europe that you go on if you have been determined to be a defaulter of a credit. this list prevents you from being able to take any credits in the future. people love to say what other people should do but ultimately it is up to your friend as it is her credit history. but as long as her mother is not a cosigner on the credit and does not claim her on taxes as a dependent than they should not be able to take any recourse against the mother
Gab - | 133  
11 Oct 2008 /  #10
So, where is this friend of yours living?
delphiandomine 88 | 18,454  
29 Nov 2008 /  #11
This mythical 'blacklist' doesn't exist - apart from in terms of which EU countries have treaties with one another to chase up tax debts. I think the UK and Germany are an example of a pair of countries that have such a treaty.

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