/biz/ - Business & Finance

>>22680344
do it. no one can stop you. if you have a passport in the other country. you can change your name and still visit england (lol why) with the new foreign passport

>>22680344
So you stole money? You are pathetic. You should be in jail

Pay it back Jamal

>>22680344
The student loan is effectively a graduate tax

>>22680344
Shit gets written off after a while so doubtful you'll pay it all back even if you did pay the monthlies.

>>22680586
...but only for people whose dad didn't work at a bank

>>22680344
Worked in the UK, said fuck this country and never going back, took out a bunch of payday loans and now I laugh at them trying to find me for 5 years to contact me, only thing they do now is sometimes email my old email about the debt. Fuck you jewish payday loans

Gf has £5k in student debt. We're out of bongistan and she wants to pay it back... Women have half a brain.

>>22680344
Look at Nectar before (redacted) and you won't ever have to worry about loans ever again.

>>22680864
She has more ethics than you fucking subhuman

>>22680344

Great idea pal. I graduated in 2010 from Manchester University with £15k debt (back then the fees was £3k a year). Ive never paid a single penny back. Ive been working in a family business for last 10 years cash in hand.

I get warning letters which i throw in the bin. Got an email saying theyve gone digitial now, so no more letters.

Im not paying back a penny. Fuck them and fuck the kikes.

>>22680952
Shlomo usury has nothing to do with ethics.

>>22680997
You are talking about stealing

>>22680344
To all the Yanks in this thread; UK student loans are slightly different to yours. Student loans in the UK are a state enterprise, and you pay them back automatically by having a portion of your monthly salary deducted. If you don't earn above a threshold the monthly deduction doesn't trigger and you don't pay. It still accumulates interest, but until you earn above a set amount repayment doesn't trigger. After 30 years the debt cancels automatically.

OP can do this with no negative repercussions - it's in the conditions of the loan. If he never earns in the UK, and never earns above a threshold then he doesn't have to pay back. The UK taxman is beginning to come after UK citizens earning in other countries, but all he has to do is become a citizen somewhere else and he's set.

>>22680980

congrats on destroying your credit score.

>>22681061
obvs the only real negative is the fact that he has to leave the UK to do this, but some people don't see this as a negative

Based and redpilled. Fuck boomers and fuck jews, ride the free shit express as long as you can.

>>22681075

Its not even on my credit report you dumbass. I have multiple credit cards and own a property on buy to let mortgage. Suck my balls you jewish nigger tranny fucker.

>>22680344
I graduated in 2011. I will never pay back my student loans either.

>>22681075
He doesn't need it he has his own business and fucktons of cash.

>relying on jews to lend you money

Usury is a sin.

>>22680344
So I'm interested in this, I also have a lot of debt from studying in the UK BUT I'm not a British national nor I live in the UK anymore, can I just straight away refuse to pay anything back? They are pretty fucking annoying desu.

>>22681043
Yeah I know usury is stealing and (((they))) should be jailed for it.

Kinda stating the obvious.

Any ideas on how to avoid paying HECS in Australia? I am at nearly 80K after dental.

>>22680373
copeing over the fact you cant do it? cry more

>>22681161
just ignore them. what are they gonna do, send bailiffs to come to your house in another country. i really doubt it. ive never heard of anyone getting done for not paying a student loan back.

>>22681235
yea i know, bro i started studying literally the year they raised it from 3k to 9k, it is a scam

>>22680344
>when an Albanian gets free UK citizenship cause he ain't white

>>22680952
Found the jew. I'm not concerned with the "ethics" surrounding exorbitant student loans

>>22681075
In the UK, credit score is unaffected by student loans

>>22681084
For me it is definitely not a negative

>>22681299
Nah I'm a filthy happa, half British, half Japanese.

>>22681299
It's true, the gov have fucked themselves and the taxpayers of this country in the ass by allowing so many foreign nationals to basically loot the education system here by doing this. It's happening in the US now too, the Chinese are going to university there and then moving back to China to settle and innovate. And in the meantime the native students are getting fucked by the huge increases in debt, a lowering of standards in the education system and a lack of job prospects after graduation. How many new graduates are finding themselves unemployed or only managing to get barista jobs with their meme degrees now?

>>22681061
The USA uses an almost identical system to here, you just don’t hear about it because it’s actually possible to pay them fully off in the USA due to the low debt (average grad has like 25k there) and high earnings (average grad starts on 50k)

https://www.nerdwallet.com/article/loans/student-loans/repaye-student-loan-repayment-plan

>>22680344
It's not real debt. Stop thinking of it as real debt. It's a 9% graduate tax.

I earn £30k currently and i'd have to earn £50k+ today to pay more than interest. It's a joke. A joke which is designed to keep you paying the 9% monthly until it get's "written off" at which point you have paid 3x over the principal. It's likely that some far left government will get in and write off a bunch of this "debt" before the write off date anyway.

>>22680344
kek why is everyone leaving the UK? What's wrong with the place?

>>22681469
It's on the brink of collapse

>>22681110
> I have lot's of other usuary on my name.
> Suck my dick jews.
What did he mean by this?

>>22681469
Absolute shithole filled with shitskins, eastern Yuro criminals, self hating whites, druggies, exorbitant living costs etc.

>>22681469
spit and throw shit in the queens face

>>22681469
>>22681482
It's a shithole. And anywhere that isn't, doesn't have jobs and the property is too expensive, because monied shitholers like to larp as country folk on the weekends. Remote work is unironically the only thing that can save the UK's professional class.

I think the only town in the country worth living in is Shrewsbury. Because it's just far enough from major shitholes to be undesirable, whilst still being white and large enough to support an actual economy. Also Telford i think acts as a buffer region to absorb fleeing shitholers.

>>22681368
>>22681110

Oh, that's interesting. I didn't realise it didn't affect the credit score.

So if you're not on PAYE there seems to be no (?) incentive to pay it back at all, is that right?
>>22680980

Are you fiddling your taxes in any other way...?

I have £9k of student debt at 1.1% interest - might end up repaying it out of salary over next few years.

>>22681206
I studied in Scotland, didn't need to steal money like a jogger

>>22681614
>Shrewsbury
Interesting, I've never heard about that one before even after shitposting on brit/pol for a few years. But looking into it, it does indeed look like it could be a little gem. Probably only a matter of time before diversity is forced upon them, though. I think 1/3rd of all kids under 5yrs old in the UK is from a non-white background now.

>>22681469
The UK is further in the destruction cycle than any other western country.
The earlier a country succeeds the earlier they will create social programs and increase immigration that will inevitably make the country go to shit.
The UK was hot shit around WW2 and has been selling out their country ever since. Sweden was hot shit in the 1970s/80s and has been selling out their country since then. Germany wasn't hot shit until the late 90s early 2000s when they started selling out their country. When you look at it like this it's easy to see why some countries are further gone than others.

>>22681469
Only immigrants leaving UK. OP is probably a brown immigrant from ME.

>>22681905
> be me bong
> free uni (only pay back when you can afford to and still at a very fair rate)
> free healthcare
> job seekers allowance
> can call a cop a cunt without getting my left lung blown out
> free dental care for children and elderly

sorry whats your point? >>/pol

>>22681976
Only immigrants LEAVING the UK? Are you insane? There's more and more coming every day. Also, see >>22681368. I'm not a disgusting shitskin, I'm a filthy happa. Would much rather live here in Japan than the UK. Also far less brown people and muslims here, it's great.

Bros can OP's tactic also be used to escape paying for divorce-rape and child-support? If a Canadian (or any Western country) has dual citizenship and gets divorceraped by his Canadian (or any Western country) wife, can he just discard his Canadian passport, leave Canada and never worry about her again?

>>22682039
>free everything for everyone all the time whats the problem guise xD
if this isn't bait which it probably is pls seek advice from pic related

>>22682066
Even if you can't just liquidate all your assets and put in in monero bro

>>22681170
You didn't even pay back the principle, you fucking nig.

>>22681877
It's flying under the radar. But Londoners in their late 30's/40's are moving there in serious numbers. So i'm sure property will pump significantly in the area. Atleast for the "quaint" town house style buildings.

>>22681469
its an absolute fucking shithole with dog shit tier wages and economic prospects

women are cunts too

DO NOT move to the UK lads

>>22681170
You didn't even pay back the principal, you fucking nig.

>>22681614
Shrewsbury is a shithole I got off at the train to aberyswyth and someone threw a snowball at me

>>22682617
I was in London last year and the women are quite pretty (higher quality than NYC but lower than SoCal, where I live), though I suspect the vast majority of them are European.

>>22680344
Let me guess, that other country is Pakistan

>>22681614
hahahah you are such a moron. fucking shrewsbury. jesus christ.

>>22682737
See >>22682052 and >>22681368
Keep up, faggot

>>22682527
that's the backup plan but I'd rather just leave the country and never think about it again.

>>22682603
>The average price for a property in Shrewsbury is £240882 over the last year.
>white
>good economy
This feels too good to be true

>>22680344
>pay it off in forty years when £60k is what you find between couch cushions
Sounds comfy to me

>>22682886
Have you ever heard of this thing called "interest"?

>>22680864

Imagine being so poor that you would consider tanking your credit reputation for 5000 pounds lol

>>22682797
So why didn't you just study in Japan? Too low IQ to get in their universities?

>>22680344
now i understand why islam has forbidden credit...

>>22680344

Very smart, OP. I did the same a few years back (moved to Uganda) and never paid back a single penny. A couple of years ago they emailed me saying I had to pay more because I was out of the country but just ignored them and I've never been bothered since.

>>22683007
Imagine being so uninformed that you think student loans in the UK affect your credit score.

>>22683045
Actually no, I got offers for masters degree courses at two of the top five Japanese universities. However. engineering salaries here are pretty good, much better than the UK, so I just decided to wageslave for a few years.

>>22682039
Yes 10% on top of another 50% in income tax, plus 20% VAT, plus road tax and insurance, plus capital gains tax is very fair ;)

>>22682643
Fuck off we're full.
>>22682767
Name your better pick for liveable white non-shithole in the UK. Can't pick a coastal town, property is too high. Can't pick a northern town because they are filled with pakis and have to work in the cities, same for much of the 1960's concrete hell midlands. Can't pick a rural town because no jobs or public services. Maybe some south towns are ok? Maybe highlands scotland?
>>22682873
I mean it lacks big money salaried jobs. Most jobs pay less there. But most office work is now remote so what does that matter anymore.

>>22683380
Well 9%. What with corona devastating the economy really good time to collect on student loans

>>22681075
>credit score
lol, what’s that?
imagine asking for a loan ever
you don’t need to go into debt to study at university, you just need to move your lazy ass to another country before even getting into debt
now sitting on 250k worth of btc, never took a loan in my life, never will

GB is a shithole full of low lifer orc looking creatures not a pleasant spawn point

All this kvetching about muh usury is jogger cope to justify theft. All of you belong in jail right next to the Jewish bankers.

>>22682654
a lot of models and media types go there for work, desu. so in the nice central parts of london there are some hot women no doubt, for now. i actually see most while sitting in london euston train station. the problem is theyre all feminist superficial cunts who have no comprehension of the reality theyre about to face living in this country.

Paki in UK here.
You are highly based, fuck the UK. Take everything from this perfidious shitbag of a country, rape it and then leave, just like they did to countless other countries.

>>22680793
damn how much did you take cuz if you fucked up your life in a country with strong running economy in crisis and moved to a shithole that will die off in a crisis for a stupid £5000 then im gonna laugh the fuck out of you

>>22684036
m8 the UK IS the shithole.

>>22680344
where did you move to

>>22680952
fucking bootlicking bong, your people were born to lick boots

>>22684027
>...just like they did to countless other countries
This makes the UK extremely based and is somewhat convincing me to pay back my loans

>>22684036
Fucking retarded nigger, the place where I am has a far stronger economy than the shithole called Britbongistan full of pakistan niggers who leech of welfare, local resources and companies like Steel being sold to china and everything else.
I took out 10,000£ and why the fuck would I go back there when calling a tranny a tranny is a large fine and multiple years in prison?
Fucking hang yourself

>>22684109
I moved to Japan

>>22680793
At least now they know you're too unresponsible with money to ever give a loan.

>>22684036
The UK is a police state third world country, why would anybody want to live there?

>>22684146
why not america? aren't salaries shitty in japan and terrible work ethics

>>22684168
if you're competent enough for high level paying jobs, UK was unironically one of the best countries in the EU in terms of economic prosperity

>>22684119
damn you got me there, so based. please pay back your loans so that the current and future generations of Pakis and Indians in the UK have yet more taxes to take advantage of.

>>22680344
i did the same thing anon. had 100k in canadian loans but left 10 yrs ago. came back several times but nothing happened. doubt they can come after you

>>22680776
Cry harder, commie faggot

>>22684243
Because I have I'm also a Japanese citizen and so it's there is no issue for me to come here and work. I couldn't do that easily in the US.
Engineering salaries here are not bad, much better than the UK, not as good as the US. Working culture here is on average harsher, but it obviously depends on who you work for. I've worked for 2 Japanese companies and my experience there has been hardly any different to the UK company I worked for.

>>22684128
lol. payday loans and very angry about trannys. you sound like you're nailing life.

>>22684352
do you have any kind of family or community in Japan, or did you just happen to be born there while your traveling salesman dad had a job in Japan or something?
Having a citizenship and belonging to japan seems like a good deal. The UK creditors will never come after you, it's extremely costly and time consuming to go after debtors. They can only send threatening letters, that's about it.

>>22684498
dude read the thread. He has said he is a hapa

>>22684472
>very angry about trannys
tranny

>>22684631
>hapa
shit, that's right, I forget. But it doesn't really answer the question. For all we know his one japanese parent could be an orphan or have lived the last 50 years in the UK.
My question was mostly regarding his community and belonging to Japan. If he doesn't have any family, friends, language skills or shared culture I imagine he will get homesick to the UK eventually.

>>22684027
>paki
>rape it and then leave
lol

How the fuck did you end up paying to study in europe?

>>22684716
I do have family here, but also in the UK. All my close friends live in the UK, although I do have quite a few friends here. You are right, however, I do miss the UK occasionally, but life here is pretty good too. Maybe in a few years I'll end up going back but at the moment I just can't see it.

>>22680344
they might sell your debt to an international debt collector.

>>22684898

And then I'd ask that International Debt Collector for the agreement I've made to pay them personally, then ignore them after they can't produce it.

>>22684837
allright, thanks for explaining. I still say fuck the student loans.
I have a lot of thoughts about this in general, and almost all of them are in your favor
>the student loan crisis is insane and there will be jubilees or significant cuts
>inflation will make repaying the loan easier in the future
>it's extremely difficult and expensive to go after debtors
>the debtors have strength in numbers
>the longer you stay in Japan the more likely you are to establish yourself there.
>even if you somehow get "caught" in the future I would imagine you could get a reasonable payment plan and not be forced to pay for a billion pounds of accumulated interest and late fees
Literally the only downside I can see is getting a mortgage in the UK in the future. I have read from the thread that student loans in the UK apparently don't affect your credit score, but I would imagine that "word would still get around" somehow. But since mortgages are secured they are easier to get anyway. And if you are living/working in Japan you have no business buying a house in the UK. And houses can be inherited or bought with cash anyway.
Fuck it, go for it.

>>22681717
That makes you the jogger, retard

>>22680793
Interest masters = Owned

>>22684996
God you are fucking retarded lmao. When you signed up for debt you agreed to allow it to be sold

>>22681469
>because monied shitholers like to larp as country folk on the weekends.

never seen a more accurate post about the UK in my life

>>22685228

And that's why you'll always be a wagie

https://www.youtube.com/watch?v=oD2gXY4piF4

>>22685259
what if he just got Polytrade though?

>>22681075
>>22683007
"Credit scores are an assclown's game, a faggot's number. Something only a desk jockey jerk-off would concern himself with."
-Mike Ma

>>22680344
kek i am literally in the same position as you OP

>>22681434
i have $150k of loans. i make $70k/yr. my payments under REPAYE are $400/mo. plus i'll owe about $40k in taxes in 20 years, so i save another $100/mo for that tax bill.

lol..i am also hapa. i kept my jap passport too tho i barely use it. youll be swimming in pussy in japan. arent wages low there?

>>22680344
UK has extradition treaties with a lot of countries (Not Japan though), unless you are fine with just staying in Japan for the rest of your life you may be fine.

>>22684472
Yeah I used that money to setup life elsewhere and go into crypto and I could easily pay it back if I wanted to, but I won't. I wont ever step into that shithole of a country again and the credit score only applies to over there.
Where I am now, none of their shit matters and my credit score is going up and up

>>22684472
kek

>>22680344
How did you spend so much? I thought the cap was £9000 per year? Are you a foreign student?
>>22681469
Brexit, immigrants, taxes, Americanisation of politics, weather, etc.

>>22685823
kek, you will never get extradited over unpaid debt, dumbfuck

>>22681614
>implying 100% white anglo chavs are any better than pakis
when there is poverty it doesn't matter the color of your skin or religion, people will be trash.

60+k loans, free travel around the world, work & earn in crypto, thanks britbong govt

>>22687063
just to add this was 10 years ago. I got letters in the post but never paid a penny. they forget it after a while.

>>22680344
https://www.youtube.com/watch?v=oD2gXY4piF4&ab_channel=Kirix

>>22681043
what a fucking kiked bitch

Great platform is launching token to replace #wink , #tron @AleaG_Official is one stop destination for all gaming you want like dice and will get reward for gambling too!!!!

Public sale
Telegram- t.me/@aleaoffical
Medium- https://medium.com/aleaproject.official
Buy token from here
bamboorelay.com/trade/ALEQ-WETH

>>22687147
ALEA is fuckin gambling platform guys... just look at their partnerships.

>>22681075
Credit score only matters in the US. If you already have a mortgage, nobody gives a fuck in other countries. It's kinda hilarious how much the US leans on credit score, it's not like that anywhere else

Also, credit scores are created in every country you have a bank account in. This dude has a fresh slate wherever he went if he has a separate bank account registered in the 2nd country w/ their national currency

>>22681525
>eastern Yuro criminals
I live in Latvia and can confirm, majority of people going to UK are typical trash people who think it's perfect for exploitation like child support gibs etc

>>22683380
It is all shit tbf. But when you need medical care in an emergency you will be picked up by a helicopter if it severe enough and dropped of at the nearest specialist hospital. You could easily become financially ruined as a Burger if you had any critical or injury. But yes land of the TAX man here
> pic related

literally anywhere is better than shrewsbury you total dickhead. anywhere north of gloucester you can write off, its all depressing middul and norf.

>>22686891
>Immigrants
>Brexit

So you don't want immigrants but you support EU membership and open borders.

>>22687202
credit scores were invented as a legal way to stop niggers from buying homes without "muh discrimination"

niggers can only get payday lender loans w/ 1000% interest.

>>22687147
Wink, tron and bethero got tough competition guys..ALEA to the sun..

>>22681614
shrewsbury and telford LMFAO

>>22687283
I didn't say that at all, but even the staunchest of brexiteers have to agree that brexit is currently a fucking mess and a lot of people (immigrants, remainers, people whose job depends on international/european business, pensioners wanting to get to Spain quickly) are leaving because of it.

>>22680864
I asked my wife and she said tell her you're paying it back but don't

looool

>>22680344
Absolutely based and checked, well done Jap OP.

I wanna emigrate from UK too, this government is hopeless.

>>22687038
This. Americans bringing race politics when everyone knows the issue in the UK is class.

The only redeeming thing with the United Kingdom is their extremely well-run companies regime. Don't know anywhere else in Europe where you can start and run a limited company remotely without stumbling over expensive licensing costs and misc. bureaucracy.

>>22688962

Estonia wtf??

>>22689028
Estonia has been cracking down on this now and are starting to require physical presence, at least within the financial sector.

>>22685425
based mike ma quoter

>>22680730
Not this. Friend of a friend tried to ditch UK and move back to France, leaving a £15k bill behind. They're sending a lot of legal BS through to her in France (from the UK) and have effectively said if she's ever back in the country it'd be a legal matter by trying to default on the loan. She'd literally get locked up and ordered by court to pay. Failure to do so then starts adding further shit against you.

Only shitskins try to rob this country. Effectively everyone else is happy to pay their way.

>>22684168
Retarded posts like this, presumably from yanks, shows how little you know the country. There are whole areas of large housing with land, 99% white, job-rich, and beautiful landscapes. Weather is lovely. People are nice.

If you're just thinking about South London then yea it's black and indians only and a proper fucking shithole.

They don't even care about the debt. It's just a means to keep wagies paying the university for life, but they don't give a crap about getting all of it back.

>>22680730

Depends when you got your loan. My loan doesn't get written off until I'm 65. 36 and I've still got about 9 years of payments to go...