1. Once your husband has requested to open a bank account in Northern Ireland, then that request will appear on his credit record and will be searchable by all his creditors in the UK as the credit record is the same in NI as in the rest of the UK. This is likely to mean that if any of his creditors search his record they will then come after him as they will be aware that he has a bank account in NI and has income accruing there.
2. I would have thought he would be better off being paid by cheque and cashing the cheque in the ROI, not NI. This would avoid this issue with having his credit record checked.
3. Be aware that the ROI bankruptcy regime is changing at the moment and once the Bankruptcy Bill is passed by the Dail, it will be possible to go bankrupt easily in the ROI, especially where personal debts are involved. Accordingly, if your husband does not succeed in avoiding his creditors by nonacknowledgment, he can try this route.
4. Firstly, there is no legally enforceable right to demand a cheque. You will have to negotiate this with his employer. Secondly, once your husband's centre of main interests is in the ROI, then he can declare bankruptcy there. Normally residency is a sufficient ground. Thirdly, if you want to find out whether another financial firm did a search of his credit register in the NI on his joint account with his father, you will have to carry out a search yourself and see if there is an entry on the credit register.
1. Firstly, after six years of non-acknowledgement of creditors, the debts do not simply disappear. What happens is that your husband has a valid defence to an action brought seeking recovery of the debts. This does not mean that the debts disappear. they remain in being. However, your husband has a valid defence if sued for them. Accordingly, they do not disappear on a creditor report, but you can get the credit report amended to reflect the fact the debts cannot be sued upon. Secondly, living within the UK, including NI would mean that your husband would have an address at which he could be sued. It makes the whole process of suing and recovery of the debts easier for the creditor. Moving to NI would be a bad idea until such times as the six years elapse. By all means work there, but moving there is a bad idea, until the six years are up.
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