Forum Category: Credit History

Benefit fraud charges

I was charged in December 2017 with 7 counts of benefit fraud. I have never had any conviction before this. I am a mother of three aged 28. What are the chances of me getting in? All my family is in Australia and I need to get the hell out ...

Bad credit

Me and my partner are deciding to go bankrupt in NZ. Is it better to before we leave, or once we get to Australia? What are the pros and cons, also what are our chances getting a home loan in australia?

If I owe money for a Queensland court fine, can I travel to Sydney from NZ?

The fine is really old about 3-4 years, I tbought it was already paid. I left Australia last year with no problems.. I am going to sydney and was wondering if they will stop me entering/leaving the country

Applying Returning Resident Visa from outside Australia, but I Have unpaid overdue tax with ATO

I am planning to apply RRV as I am permanent resident with expired visa outside Australia, but I have debt at ATO $4000 not paid till now. Will this debt affect my application like get refused ? even if I declare that I have debt with commonwealth on the application ...

Will the following pending dues hamper my Australian Permanent Residency application?

3 years ago I left Australia in a very haphazard manner and still have the following dues pending: 1) Around AU$650 to ATO 2) Around AU$ 3500 on credit card (Commonwealth bank card) 3) Around AU$ 450 to Vodafone 4) AU$ 60 challan for pedestrian red light crossing violation (I'm ...

Can kiwi students apply for student loans from banks in Australia as a personal loan?

Hi I'm a kiwi and I want to study in Australia but I don't have the finance and I was wondering is it possible to take student loans from banks like ANZ in Australia as a personal loan. Am I eligible for it? I won't be able to afford otherwise ...

Being picked up at Customs

Some filed bankruptcy against me in Nz, I have been living in Australia since 2011, I am paying the debt, but havent filled in statement of affairs as it seems irrelevant, would i picked up at immigration if i went to Nz to visit on return to Australia as I ...

Outstanding balance on rent, but I left country as my visa has ceased. I want to re-enter Australia.

I have given to my lease contract to other.person before i leave the country. But the property agency is kept sending me this outstanding notice email. Now they claim that I have outstanding balance on rent. Do I still need to pay for those outstanding payments for which I have ...

Moving from NZ with bad debt

I need to go back to Africa but because the bank repossed my home and now I owe them 50 000 instead of the 6000 I owed them I wonder if they will find me there and chase me up. I am unable to pay this back and can only ...

Do Baycorp NZ & Baycorp Aus work hand in hand?

Court Judgement & Entering Australia?

Hi all, I was made redundant in March 2014, with all entitlements to be claimed through Fair Entitlements Guarantee. I had taken out a small loan of $2,000 last and was unable to make repayments when I left Australia to live in NZ. I've had plenty of emails requesting payment ...

I left Australia 3 years ago. Can I go back to Australia with unpaid debt of $8,000?

I worked in Australia for 2 years. I am a NZ citizen but would like to visit my sister in Australia.

I have recently been told that I have a fine which was 2yrs ago. Does this affect my citizenship?

I am applying for citizenship and haven't paid of my fine that was received 2 years ago . does this mean that I can't apply for citizenship . I am trying to move over to Australia also for a better living but I am not sure how to go by ...

If I have changed my name since leaving Australia, does that mean my credit history starts afresh??

When I was born i was adopted but not legally. I was "adopted" (the Maori way) within my family. My birth mother gave me a name and my parents & older siblings that adopted their beautiful baby sister (me lol) didn't like that name, so they named me but never ...

I did a NAP (no assest procedure) which was is 2009. will this bad credit follow me to australia?

things have already started to drop of my credit report and everything is due to be clear by the end of next year. I have recent letters from companies detailing good payment history will this help prove that i can pay things now?

Declaring bankrupt in New Zealand while living in Australia.

Can anyone shed any light on what happens if you file for New Zealand bankruptcy but are already set up and living in Australia? How does the travel ban work when you have already left? And how do you mange the OA when you ain't living in New Zealand anymore? ...

Six years ago I left Australia with credit card debt to return home to New Zealand.

I want to return to Australia for a brief holiday. Will I be stopped at the airport on arrival?

Does my New Zealand credit rating go with me to Australia?

If I have bad credit here in New Zealand and apply for something on hire purchase in Australia, will the companies over there share info with the companies here? Or is it like starting fresh? :P

Bankruptcy

Hi all, I'm a from NZ, living in Australia and I'm very close to completing my bankruptcy with Kristina who has been very helpful with the process. For those who have completed the bankruptcy through Kristina - can you tell me how your joint accounts (if any) were affected? Kristina ...

Declaring NZ bankruptcy while living in Australia

Hi all, I'm a from NZ, living in Australia and I'm very close to completing my bankruptcy with Kristina who has been very helpful with the process. For those who have completed the bankruptcy through Kristina - can you tell me how your joint accounts (if any) were affected? Kristina ...

If a person owes money to the NZ IRD and lives in Australia, are they able to visit NZ and return to Australia without consequence?

I know somebody who owes money to the New Zealand Tax Department who moved to Australia. They would like to visit home but are afraid that they will get stopped at the airport and won't be able to return to Australia. I would like to know if they would be ...

If I am bankrupt in New Zealand and made bankrupt while living in Australia, can New Zealand deport me or make me pay the debt back?

NZ debt on Australia credit file

Hi Can the unpaid credit card debt from New Zealand be placed on my australia credit file? thx

Leaving new zealand with unpaid loan

I have been working in New Zealand for 1 year and I was on a working visa valid for 30 months. I have an unpaid loan amount for around $50,000 and I left new Zealand 5 months ago and moved to Australia on a working visa. Currently I have lots ...

Going bankrupt in New Zealand while living in Australia. Can anyone share their experience?

Hi, can anyone tell me about their experience going bankrupt in New Zealand and starting a new life in Australia? We moved to Australia recently and have a lot of debt left in NZ due to crisis etc. Our two properties and car loan etc- all up have around 200-300K ...

Owing money in NZ.

I owe about 20,000 dollars to the bank in NZ, I came to australia looking to work in the mines thinking i could pay off my bank loan really fast but the mine job did not workout and now i'm stuck with this debt, will i be able to visit ...

Am I able to move to Australia from New Zealand owing court fines?

Hi, I'm currently thinking about moving to Australia, however as a young bloke I accumulated a decent amount of court fines, now causing a big impact on my life. I think around 15000 all up over the past few years of paying them of at an affordable amount now owing ...

Inheritance and bankruptcy

Hi. I'm a kiwi living in Australia. I am bankrupt in NZ. I will be receiving an inheritance shortly. My question is: will I get it? If I don't declare it to the insolvency will they know about it? Thanks

Will Australia airport gonna stop me if I have some previous debt?

i had $8000 debt credit card on Commonwealth bank. i left AUSTRALIA in 2014. Now me and my wife wants to apply for student and spouse visa. Will it effect my visa processing? Or will airport authority gonna stop me?

NZ citizen with Australian debt, possibly looking at moving back to NZ

Hi, Just wondering what the possible issues would be for an NZ citizen living in Australia moving back to NZ with outstanding Australian credit card debt? Debt is roughly around 15k. This is Australian debt, not NZ. Parents will be in Australia so I would likely be visiting them in ...

Loan Worries and Debts; please help!

So I left Australia 3 months ago with a 'loan debt', I intended on paying it but after a few months and suddenly getting pregnant with an irresponsible man (Aussie bf, now ex. Took the loan for him for at that time he needed to move houses and he didn't ...

Unpaid small Medical bills

I was doing PhD at The University of Sydney. During early days I faced some medical conditions and managed to pay heavy amount of medical bills through OSHC. However, few bills like pharmaceutical I couldn't pay because I didn't receive the bills due to change of apartment. I had once ...

I left Australia 2 yrs ago with credit card debts exceeding $30k, can I enter Australia again? What will happen?

I left Aus with massive debt. Initially revived loads of phone calls emails and letters from collection agencies and such then I stopped hearing from them (maybe because we ignored them?) what happens if I want to go back to Australia for a holiday?

Does our New Zealand credit history follow us all the way to Australia?

First I see someone answering yes it does and then I see no, start afresh!! Umm...is it a yes or no? Thanks

Will a New Zealander facing personal bankruptcy (NAP) in NZ be able to work and live in Australia?

I’m a Kiwi moving to Australia soon, and want to know if a personal bankruptcy (NAP) that I intend to proceed with soon can affect my ability to work and live in Australia? The debt was incurred in NZ. (A - NAP is processed and the person cleared over a ...

Australian credit card debit now living in New Zealand

Hi Not sure if anyone can help, I have joint credit card debt with my ex husband. I had to flee Australia with my young son to get away from my abusuve ex husband. I had a police DVO in place, however this didn't stop the harassment. I haven't paid ...

First time travelling and have some debt. Am I gonna get stopped for it?

Am planning a 3 week holiday but am soo paranoid I won't be able to leave. It's not fines just stupid old bills that have been there for ages, but can they make you pay it before you leave, ie. at airport.

Returning to Australia with unpaid Traffic fine. What'll happen upon arrival?

I tried clarifying with Civic Compliance Victoria but they found no record of it. I was stoppen by a policeman driving the wrong side of the road. Lost the original ticket.

Will I be able to return to my home and job in Australia if I go to NZ for a holiday?

I was recently bankrupted in NZ. I have worked and lived in Australia for 3 years. I have a ticket to go to NZ for Xmas, which was purchased before I was made bankrupt. Will I be stopped from returning to Australia to my home and job?

I'm an Aussie going back to Australia after 8 years in NZ. How do I find out what my Australian credit history before I leave NZ?

I defaulted on a loan in Australia in 1999. Will that be an issue?

Can I move to Australia with outstanding fines?

I want to move to Perth but I have bad credit in New Zealand. Will this follow me??

Can someone still enter Aust when they still owe money for a speeding fine?

My fiancé is a German Citizen and was in Australia two years ago (I am an Austalian citizen living in Germany) . He received a speeding infringement and it still hasn't paid it. Is there anyway that can restrict his entrance into Australia (on a tourist visa but with the ...

Can I leave NZ and pay my overdraft off in Australia?

I have an overdraft of $300 from ANZ. I was wondering if i can pay it off while in Australia as i have no money here. I'll be living with family and working with them. Will I be able to leave NZ or will I be arrested?

Bad credit in nz want to apply for car loan in Australia good paying job will I be approved?

My credit rating in NZ is not good. I'm wanting to finance a car here in Australia after being her 2 years. I have a good paying job will they check my NZ credit rating? Because I haven't got a credit rating score here yet will they let me finance? ...

Can i go back to Australia if I have unpaid phone contract?

I used to be an international student in Australia and at that time I signed a contract with Vodafone to get an Iphone. Thought i would leave the country for good once I'm done with my course so I closed my bank account and left the country. What's gonna happen ...

Can't pay my bank loan before I leave - what will happen?

I have a loan with the National bank in NZ and will be moving to Australia because I was made redundant from my job here. I don't have any money to pay my loan before I leave New Zealand. Will the bank be chasing me in Australia and if so, ...

If i have a student loan and overdue taxes and owe Baycorp money, will this prevent me from moving to Australia?

Will I get stopped at the border?

Bad debt in Australia & left the country, now want to return- arrested???

Hi Can you please guide me I had a bank loan amounting $30000 in Australia and left the country for good in 2007.I went overseas and now want to return back to Australia. Will i be arrested at the Airport? Whom should i contact if i want to return safe.?

Does my credit rating in South Africa have any influence in Australian?

I am an Australian Citizen but I want to give up on paying mortgage debt in South Africa. I have been in Australia for almost 7 years and that’s how long I have been trying to sell a block of land that I bought a good 10 years ago with ...

Wanting to move to.Sydney but have bad credit in.nz. Possibly use British passport?

Hi i have bad credit in.nz due to years of bad job security. I was wondering if iused my British passport instead of my nz passport would.this get me around the credit checks in.Australia. thanks.for.any help

My mother moved to australia when she was 9 and now IRS says she hasn't been paying her US taxes?

My mother moved to Australia when she was 9 from America and she entered on her mother's passport. She has not left the country since arriving some 40 odd years ago and has been paying Australian taxes. She got a letter recently saying that her bank reported her to the ...

I have debt in the UK - can we still move to Australia?

My husband and I are looking at moving to Australia with our 2 children. We have around £20,000 of debt. Can we still move or do we have to be debt free?

Can I enter Australia for a holiday with ATO debt? Even though I've never heard from them.

I walked away from a failed business 2 years ago, lots of creditors owed to but my main concern is the unpaid super & ATO debt. I haven't received any letters from the ATO regarding my debt but I have been getting the monthly BAS forms and finally they have ...

I have outstanding credit card and phone bills (total AUD 6,000) since 2006. Can I re-enter Australia in 2010?

My husband has a bad credit in NZ...will I be stopped at the border?

I had a joint account with him. We were on work visa in New Zealand and we couldn't pay the bills so came back to India and now i want to go back to australia on student visa. Will I be able to get a visa and will I be ...

Would being bankrupt prevent permanent entry to Australia with NZ passport?

I am hoping to emigrate to Australia with my Australian partner. Unfortunately, I have to declare myself bankrupt - would this stop me living in Australia permanently? I have a New Zealand passport although I am British and live in UK.

Do I have to declare bad debts before I try to move over to Australia?

I am making repayments every month at present but want to leave England. Will I be able to or do I have to clear my debts first?

Does NZ bankruptcy affect permanent residency applications?

My wife and I live in New Zealand. Her business went under several months ago and she was declared bankrupt. My employer also went into liquidation a couple of months later, so now I am also looking for work. I also guaranteed the loan for my wife's business, so it ...

I have a bad credit history in Australia. If I move to New Zealand, would I be able to get permanent residency in New Zealand?

I am an Indian citizen. I have a bad credit history in Australia. If I move to New Zealand, would I be able to get permanent residency?

Can we move to Australia if we owe fines and child support?

Can Australia deport you to New Zealand?

I'm living in Australia and about to be declared bankrupt in New Zealand. Can they bring us back? We sold everything to come here hoping to make good, but it didn't quite work out. What's the worst they can do to us??

What do I need to take with me?

I am moving to the Gold Coast in November and I would like to know what I need to take/print out to apply for houses, jobs and anything else? will they have a record of my good credit history?

Overdraft - Can I pay it off from Oz?

Hi everyone, I am planning to move to Melbourne in a month. The only debts I have is my student loan and a $1000 National Bank Overdraft. I can not afford to pay my overdraft before I go, can I leave the country and start paying it off while I ...

Will previous Credit Card debt get me stopped at customs?

I used to live in Melbourne but left the city to move to the UK. I also left behind two creditcard debts. One is with the collections agency and I have made repayments and one I haven't heard anything about, this was 2 years ago. If I want to go ...

Can i emigrate to Australia with fines but up to date payments?

I have under 3k in fines and up to date in payment, i am planning to continue paying them off in australia. Will i get stopped in new zealand if i say i am immigrating to australia and have a one way ticket?

Will i get stopped at the airport if i have outstanding debts with companies here in nz?

I am wishing to move to the Gold Coast in australia in september. I have a few outstanding debts that have gone to debt collectors. Will this stop me from moving to australia?Will i get stopped at the airport on my way over there? Thanks(:

Applying for Australian Citizenship

Hi, I am a PR holder of Australia and unfortunately I have had a bad time and applied for bankruptcy. Now I am eligible for Citizenship. Do you think I may not get Citizenship because of bankruptcy? Thanks.

NZ Debt followed me to Australia

I had a debt in New Zealand for an unpaid personal loan that has now been sold on to an Australian collections agency. The agency is now threatening legal action through the Australian courts. Does the debt not still fall under the original conditions of contract making it subject to ...

Can I move to Australia with debt?

UK citizen bankrupt and wanting to move to Australia. Is this possible?

I live in the UK and will be declaring myself bankrupt in the next few weeks but myself and my partner are wanting to move to Australia at some time in the future. He has a sponsor in Australia but would I be declined entry due to being bankrupt?

What if I've moved over to Australia but I have debts and bills in New Zealand?

Moving from NZ to Sydney

Hi all, There is probably an answer on here somewhere, but I want to ask for my sake. I am a NZ citizen currently living in NZ and I am wanting to move to Sydney in the next few months. I have fines, but I am paying them off and ...

If I am officially bankrupt in New Zealand, am I able to reside in Australia?

Will a bad credit history affect a move to Australia from the UK?

I have a bad credit history over here in the UK and my partner wants to move to Australia. I'm starting to warm to the idea but I'm afraid my credit history will affect the move.

I am bankrupt in New Zealand with only a year to go and I've applied to leave the country.

Has anyone been in this situation before and been turned down or accepted?

I'm a New Zealander living in Melbourne. I have unpaid debt in New Zealand so can I go back there for a holiday or will I be detained?

Are you still able to move to Australia if you are baycorped?

Will I be granted a new student visa if I have a bad credit score with a telecommunications company?

Can someone emigrate to Australia if declared bankrupt?

My friend from South Africa wants to join her sister in Australia and look for work but has just declared herself bankrupt. Can she apply for a Visa and emigrate if bankrupt?

Can I get a NZ student visa with bad credit in Australia?

I have bad credit in Australia as I started a small business and couldn't pay my amount. Now I'm back in my home country. I was on a student visa in Australia. Can I get a New Zealand student visa now? Please answer this question.

What if you have an IRD debt (with a record of regular repayments) and want to move to Australia?

Will you be stopped at the border? Can you pay it off from Australia? Does the Australian Tax Office get involved at all?

I have credit cards here in NZ. Can I move to Australia and pay them off while there?

How about if I move to another country? Will Baycorp still look for me all over the Globe??

Debt from New Zealand - will I need to pay from Australia?

Hi there, I'm going to Australia to look for a job but I have a few debts owing to the bank and to my visa card. I can't pay back my debts at the moment as I have no money. I will be living with some relatives in Australia and ...

Would we be able to get a loan in Australia to pay off our NZ finance company?

Hi ya, my family & I are relocating to Melbourne very soon. My partner's job is paying for all moving costs etc, including getting our vehicle shipped @ their cost...My question is, would we be able to get our car financed from there, to pay off the NZ finance company?

Can you still go to Australia if you owe money to Baycorp, the IRD or any other company?

Bad credit in New Zealand - will I be stopped at the border?

Is it true that If you have a bad credit history in New Zealand and you are currently living in Australia and wish to return to NZ for a holiday, NZ authorities will not let you out of NZ without paying outstanding debts? Or is this for people who have ...