credit checks by Debt Collection agencys

**cardell** · 22nd November 2007 10:55

Hello

Have been reading all enquiries regarding Debt agencys.

I am no angel and i will admit that because i have had a tough time with my health (Cancer) which i have now beaten after 4 years of fighting i owe a debt to a bank. Because of these circumstances in 1999 i left no forwarding address and moved back to my parents who then preceded to look after me through the chemo.

I know that mayby this was against my better judgment but i had no option.

I have had no communication until last year where a debt agency started sending me letters. I obvoisly denied the debt and have done to this day and will until i die.

However i recieved a letter from red collections who want to the anti and come and visit me. ( As if i am going to let them into the door)

My question is not so much what to send them as this has been asked before but have the debt agency the right to check my credit report from Experian.

I have a high credit rating and every check counts against it. I phoned experian and they said i should just ignored it. However they have just removed it from my account. Could any one help!!

I presume that as the debt was 8 years ago i should just ignore it.

Sorry for my dishonesty by somtimes circumstances can dictate the ability to pay back debt.

cardell

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**tiglet** · 22nd November 2007 10:56

I would send the statute barred icon

letter to them asap.

In terms of searches, although statute barred, the debt does exist, it just becomes unenforceable. Therefore, the DCA icon

is able to search your records in order to trace you for the debt.

**Under Siege** · 22nd November 2007 22:26

Surely a DCA icon

is not allowed to search your credit file without your consent!
I will look into this

**tiglet** · 22nd November 2007 22:30

It depends what the agreement was with the original creditor - if they are entitled to pass onto third parties for the purpose of debt collection icon

, then yes, they are.

**Under Siege** · 22nd November 2007 22:52

I see what your saying tiglet, it just doesn't seem right to me.
When I sign a credit agreement I give the original creditor permission to search my credit record and to process information with credit reference agency's. Wouldn't It have to state on the agreement that they reserve the rights to pass on my details to DCA icon

's, who could then continue to process information with said agency's.
just thinking out loud, maybe someone with more knowledge could answer this, but I will do a bit of my own research.

**tiglet** · 23rd November 2007 00:15

It often does - refering to them as "third parties". You would need to ahve a look at your original agreement to see if this is the case.

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