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Debt and restrictions?
fivetrout:
I'll try to explain the situation briefly. I've been skyping my gal for a year...with a planned trip in May. I know that her father has been ill with a heart condition and that has spent all her money and maxed out 6 credit cards for his surgery along with her two brothers. He is much improved and in much better health. Now the reality has come home. The banks have been pushing her for repayment, and now her house is at risk and on the market. She tells me that...she believes that the Chinese govt won't grant her a visa when she is in debt. I have read that assets are normally needed to prove she's not running off, and that she has good reason for returning (family, money, business). Is this true regarding her debt which is about 350000 yuan, or is it a matter of keeping face with the banks? She knows that I have a simple life, and I do send a bit to her each month $150USD but her debt is quite the mountain and I can't, and wouldn't touch even if I could. I think this will be reason for her to break up our relationship. My hands are tied and no power in this situation!
Chris
Willy The Londoner:
Well Chris, I think that it is the country she is applying for a Visa to enter that may have the problem with her debt rather than the Chinese Government. The host country wants to know that she will leave that country when her visa ends or that there is money to support her when settlement visa's are issued.
When my wife has applied for visa's for visits to UK the Chinese Government has never come into the Visa situation but she had to supply bank records to the UK government agency on each occasion.
Hospitals are expensive here for major operations - but my concern would be 6 credit cards! These are not given out willy nilly like in the western world plus there are not the high limits per card either. Stringent checks are made for each one issued and low limits applied. So not sure how her own debt has risen to 350,000 rmb - that is almost as much as I paid for our home here! My niece who has just spent 500,000 rmb on two top of the range German cars and has bought a 2,000,000 home this year has only been able to get one Visa Credit card with a limit of 10,000 rmb
I am the Forums built in pessimist so I say be careful. Even if you had the money you will still need to take steps to ensure that there is actually a debt.
From what you say it sounds as if you have not been to China to meet her in person yet. If that is so then you need to be doubly careful and in which case you should not really be sending her money at this time. If you have been here and met her then still be careful - my eyes and ears have been opened by a friend here who is in the police who keeps me updated on various scams and most are the ones that are set up over many months.
If you want to chat privately to me about this on skype then just send me your skype details by PM here.
Plus if I remember correctly you found this lady on a dating website that is based in Rumania or at least one with the .ru for rumania as a suffix. Scammers often use these sites because they ask no questions.
Willy
maxx:
Chris I'm going with Willy on this something smells really bad.I have a friend in Zhuhai.Who isn't as well off as Willy's niece.And she has got a couple of credit cards.And like Willy said.They have real low credit limits.So you can't run up that kind of debt on a credit card.And since the hospitals in China operate on a cash only bases.IT would make me wonder.
As far as this messing with the Fiancee visa.No The U.S is not concerned.With what money your lady may or may not owe to a hospital in China.If she is after a tourist visa.Then that is a totally different story.And it will go down.Just like Willy Said.At no point and time.did I need a letter,Or credit report from the Chinese government.Stating my wife's credit worthiness.On a fiancee visa or a marriage visa.The U.s government knows that you are paying the bills while your fiancee/wife are in the states..
If you haven't visited this lady yet and you file for a fiancee visa.her visa application will be denied.If you visit China only once.There is a good possibility that her visa will be denied.Immigration wants to see many trips to China
Robertt S:
--- Quote from: Willy The Londoner on December 30, 2012, 10:46:41 am ---Well Chris, I think that it is the country she is applying for a Visa to enter that may have the problem with her debt rather than the Chinese Government. The host country wants to know that she will leave that country when her visa ends or that there is money to support her when settlement visa's are issued.
When my wife has applied for visa's for visits to UK the Chinese Government has never come into the Visa situation but she had to supply bank records to the UK government agency on each occasion.
Hospitals are expensive here for major operations - but my concern would be 6 credit cards! These are not given out willy nilly like in the western world plus there are not the high limits per card either. Stringent checks are made for each one issued and low limits applied. So not sure how her own debt has risen to 350,000 rmb - that is almost as much as I paid for our home here! My niece who has just spent 500,000 rmb on two top of the range German cars and has bought a 2,000,000 home this year has only been able to get one Visa Credit card with a limit of 10,000 rmb
I am the Forums built in pessimist so I say be careful. Even if you had the money you will still need to take steps to ensure that there is actually a debt.
From what you say it sounds as if you have not been to China to meet her in person yet. If that is so then you need to be doubly careful and in which case you should not really be sending her money at this time. If you have been here and met her then still be careful - my eyes and ears have been opened by a friend here who is in the police who keeps me updated on various scams and most are the ones that are set up over many months.
If you want to chat privately to me about this on skype then just send me your skype details by PM here.
Plus if I remember correctly you found this lady on a dating website that is based in Rumania or at least one with the .ru for rumania as a suffix. Scammers often use these sites because they ask no questions.
Willy
--- End quote ---
+ 100000 points What Uncle Willy said!
fivetrout:
Thanks for your insight guys.
I feel pretty darn certain Hong is not opportunist and certainly not a scammer. I have plenty of experience with those types. I offered to pay for her English lessons and we work on those together. I believe because of face...she is the real deal. I have met her entire family on skype, her mother has sung songs to me, invited me into their home for dumplings, and are eager to meet me. Everyone approves including her 16 year old son. From the very beginning with Hong, she understood that I lived a fairly simple working class life. There has never been the tinyest inkling of a red flag. We spend hours together eagerly learning of the other, dancing, music, cooking foods, etc.
The situation with her father is not new to me, she has shared her concerns with me for over a year, and states the debt is well worth her fathers recovery, and I agree! Over the last few months she has become very stressed, she shows the bank statements and the fistfull of credit cards. Many times Hong has tried talking to the bank for help.
Last week she was keen on getting married in China, and last night she tells me she cannot come to America or marry me as she needs someone to help her with her debt, and so she will find a man with money. Hard to say if she was thinking aloud or telling me directly? Communication is still very rough. Sure I have things to say in those regards...pointed things, words to express my anger, my emotions, and my feelings of loss. However, I decided to bring it here instead...and I know there are cultural differences that I don't understand which may come into play.
I told her (kidding) that I need to find a rich girl...she said NO NO NO! I love you I love you!
So basically I don't have a clue as to whats going on or the outcome???
Chris
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