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Absolute Locate/Global Debt Recovery and Credit files


andyzbox
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Hi,

 

Firstly thank your for this wonderful foruem. It really has put my mind at rest.

 

I am in the same situation as many other I have read on here, just started getting letters, 1st was from absolute locate, ignored now one from Global. I have checked my credit file and all is clean.

 

I don't know if I can be bothered or even give them the satisfaction of responding, as whatever they have must be statue barred.

 

However could they add something to my credit file if I don't respond? I'm guessing this is something to do with my lloyds account I held over 10 years ago.

 

I'm happy to just keep ignoring them but only if they couldn't mess up my credit file!

 

Cheers

Andy

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Hi and welcome to CAG

 

As you think it is an old account, it is highly umlikely any data will be placed on your credit file. A default for any debt should have been placed within 6 months of the first missed (or reduced payment) so if one was placed, it has fallen off, never to be resurrected.

 

If you wanted to play with Global, you could send a prove it letter which would bring back some info on what the original debt was.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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