default past 6 years sold on

[alesypalsy]

Dear all,

I am in quite a dilemma right now due to my debts from some time ago, I was to scared and could not face the music of dealing with them, Anyway some advice is very much needed,

 

I still have debts from around 4 years ago now, I have since married a thai lady whom has savings enough to purchase a house with no mortgage, I have really only explained to her that my debts are small , but they are rather more then i have told her. I am a little worried if she buys a home that i will not want to go on the deeds (it is all her money), but is there anyway the lenders can goto her for my debts? She is new to the uk as being my wife was issued the visa but i am so worried she will get the burden of my debts and maybe they will try to take the house away from her due to my debts?.

 

It really is such a dilemma, i am at loss at what to do. Please could someone advise me on my/her position here. I know i buried my head in the sand on my debts but could not face them and it seems my time changed for the better when i met my wife and we now have a young baby, I wonder if she was to get problems would she be able to put the house in our babys name?

 

I really dont want to mention my size of debt as she does not know i am here writing this, i really dont want to worry her or if she should know maybe it could ruin our relationship?

 

Please could anyone give advise as to the legal points of her owning property with me as a debtor as a husband, I had these debts long before i met and married her, also i could not bear to see her find out by the creditors taking her home away because of my uselessness some time ago.

 

Hope to hear from someone who has an idea about this situation.

Many thanks

Not to sure

[MARTIN3030]

Welcome to the site.

Hopefully someone should be here soon.

I assume that your wife has an ILR visa ?

Remember-marriage is based on trust,and perhaps you should think about coming clean here-if you do that at least you will be able to deal with anything in the future openly and without hiding them.

Only you can decide whether to be open though-just think how much easier it will make things !!

[cerberusalert]

No need to worry, a spouse is not responsible for their partner's debts and unless you are financially linked in some way i.e joint loan or bank account her credit file won't be affected in any way either.

[debbbbsy]

Hi, the debts are soley yours, only accounts which she actually signed & agreed to be joint & severally liably would they be able to enforce.

However, your right to be concerned about entering into a joint mortgage, were she puts in all the deposit. If they do a land registry search, & see your name on the deeds, they would come after you for half the equity.

You have the courage to post on this site, maybe this is the ideal time to sort out these problems. Instigate a plan to resolve these debts.

 

Good luck

Debs

[alesypalsy]

Thank you very much for your helpfull replys, It really has made me feel so much better. Life looks good again!

[alesypalsy]

I had a lot of adverse credit back in 2005 but my defaults i guess started in 2006 as thats the date i stopped paying/couldnt pay.

 

I have been hounded for years but in the last 3 years i have kept moving around, i have not heard from any credit agency for some time,

 

Is there a way i can check my credit file without having to give my current address?

 

I am led to believe that if i check my own file/files i would like to check all 3, that there will be a new address updated on the file if i check it using that address,

 

Also i do not know if any of my debts were taken to cc, so i really need to find out without giving my new address away....

 

I had serious problems back in the day and am now over comming them and would ideally like to put the debts behind me and restart,

 

quite a few quid owed on numerous cards and a unsecured loan was not paid as i lost my job and made redundant just as the "boom" finished

 

Any advice welcomed and thanks in advance

[johnvernon74]

If they wanted to find you they would ! Any credit check you do will show most things but if you have not paid or acknowledged in writing in past 6 years they can not be enforced. CCJ's are slightly different but I think they still drop of but can be enforced.....maybe someone can advise

[BRIGADIER2JCS]

No the credit reference agency will want a debit card to check ID and current address.

Also you can still be pursude for payment of statute barred debt until you advise the

creditor of the status of the debt and state you will not be paying.

[alesypalsy]

Thank you BRIGADIER2JCS,

Is there a way that i could get someone else to check it for me? Any advice there?

 

Or what about if i can use an old address, would that address then be put into the credit ref agency database?

 

I just dont want to make it any easier for the debt collectors as they were very bad years ago

 

, they even called my father, i dont know how they got hold of his ex-dir phone number and tricked him into thinking some thing was wrong thats why they contacted him about myself, Then they sent numerous letters after they knew he would be able to contact me, it went on for a very long time......

 

Also personal reasons i would not like others to know about my debts that are now statue barred,

 

So may i ask should i manage somehow to get the 3 credit ref would it then save the address i use to make the application?

In other words other people an companys would be able to find me from making that credit check?

thanks again

[BRIGADIER2JCS]

Sorry no you cannot beat the system that way the Data Protection Act

prevents other from accesing your records, up to date residence and

as said ID in the form of a debit card will be needed.

[alesypalsy]

Thanks once again Bigadier2jcs,

you are very quick with your replys! thanks!

 

So i understand that i would need to use address with registered debit card, So you are basically saying that the debt collector types will then get a flag with my new address as i have now given it to the credit ref agencys,

correct?

Thanks

[BRIGADIER2JCS]

NO the DCAs will not get alerted to the fact you have checked your personal files,

that is a myth.

[alesypalsy]

Ok so the dca will not get wind that i have checked my files but would the c ref agencys not update my address to the new one, basically then allowing anyone to see that new address?

Thanks for your swift replys by the way !

[BRIGADIER2JCS]

Yes the data will be revised but if any creditor or DCA wanted to find you there are

many easier and cheaper ways than using a CRA.

[MARTIN3030]

The CRAs do offer alerts to those taking up some of its services though,I have seen it on their websites.

So for example when one of your debts fall off your file.

My understanding is that DCAs and other parties are alerted when there are changes on the CRFs which could be deemed that your finances have changed etc.

I reported on this some time ago.

[MARTIN3030]

http://www.callcredit.co.uk/products-and-services/credit-risk-and-affordability/callmonitor-

[alesypalsy]

Thank you ever so much Bigadier2jcs and thank you ever so much Martin3030

Am looking at the link now!

[alesypalsy]

After reading the link it seems impossible for me checking it without dca getting my details so i will just have to continue as i am ,,,,

Thanks for your help.

[MARTIN3030]

It is very disturbing to know that the CRAs are without doubt in Cohorts with the debt collection industry,whichever way you want to look at it.

But this is nothing new to us,we have known for a long time.

To be offering daily alerts to changes on a credit file is staggering.

By virtue of the offering of this service in the first place,it has to be beneficial to both the CRA and the Client.

[alesypalsy]

It is very disturbing to know that the CRAs are without doubt in Cohorts with the debt collection industry,whichever way you want to look at it.

But this is nothing new to us,we have known for a long time.

To be offering daily alerts to changes on a credit file is staggering.

By virtue of the offering of this service in the first place,it has to be beneficial to both the CRA and the Client.

 

Yes it is very disturbing especially in my case, I feel as if the "eye " is there waiting for my next move,

How on earth they are allowed to do this is beyond me......

For sure they come out of it ahead otherwise as you say they would not offer it in the first place

Thanks very much

[alesypalsy]

May I just add, that if i was to now check my c ref file, if there was no longer any information there, then i can consider myself a free man ?

the dca may hound me but i can tell them to bog off!

 

My problem is if any have cc judge me then i would then have alerted them to my whereabouts!

[MARTIN3030]

It is reasonable to assume that if there is nothing recorded there,then you are less of a target.

Although having said that,there are 3 CRAs and we know that just because there is no adverse entries on one,it does not follow that there will be nothing on the other 2.

Many people think that the CRAs only get data when taking out loans or CCJs,but there is a multitude of other ways in which sharing and processing of data occurs,because there are so many organisations involved in selling it.

 

It could come from giving your telephone number out unsuspectingly,registering for an account with an online goods and service provider,and more ways which to you would appear to be relatively normal transactions.

 

We were told not so long ago about stopping unwanted sms messages by replying with the word stop.

Recently a BBC programme looking into phishing and spamming told of this actually being of use to those buying random lists of mobile numbers.

By sending the stop message,you are effectively informing them that it is a valid in use number-which is of use to them.

They then are able to sell on these numbers with returned stop messages as live and current users.

So you are probably better actually NOT responding with a stop message if you get one of these !!

[alesypalsy]

Veery wise words Martin3030

thanks once again

[alesypalsy]

Just to update , I decided to do the £2 online equifax credit check, i then gave them much information along with debit card number for payment that is registered to my address,

 

Then after a load more nosey parker questions I was unable to log in so i called the number, i was then put through to a call centre in the PHIippines!

A lot of security questions later was then told i needed to send them id proof? what a load of old coblers , they just got as much info as they could, then got me to call them ,

Bloody venus fly trap if you ask me as i am non the wiser as they would not give me any info but got a load of info from me!

 

These people are disgusting and really do not deserve to have any info on anyone, i am fuming and angry they would not give me my details,

Also they took just £1 off my debit card which i think was a fishing tatic to see that the account was live and to get my info from that.

Can anyone tell me a way to find out if i have any CCJ against me as that is all i am worried about, i couldn't care less about the creditors from 6 years past now

Cheers

[BRIGADIER2JCS]

Trustonline will hold any information, there is a charge.

I think you are getting confused the £2 statutory report

is postal not on line.