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Aaron8219

Concerned about other debts

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Hi Everyone,

 

I posted today regarding a CCJ that has been registered against me for an old Santander overdraft.

 

 

After receiving advice I am going to ask for proof of the payment they say I made in 2009, and once I'm satisfied,

I will pay it in full as I am trying to put ourselves in the best position for a mortgage and can't afford CCJs.

 

My concern now is though, is if this one has found me from the past, will the others?

I had an Egg Card, an MBNA Card, an HSBC personal loan, and a Capital One Card.

 

The HSBC loan was with a DC for a while, and became statue barred.

I have written confirmation from them that this is the case and have not heard anything regarding this debt since.

 

The Capital One card was for £240, so not a huge amount.

I have never been contacted regarding this but am worried it might have gone to a previous address.

If I do get a CCJ for this though, due to the amount, I would pay it immediately in order to protect my credit file.

 

My main concern is the MBNA, and EGG Card.

I have not seen any letters for these in many years, and I can't recall seeing any since the address I actually had them in.

The Santander account that has registered the CCJ now, was from that address

and they made no attempt to find me by way of searches etc,

just sent all correspondence to that address and then I got a default judgement.

 

My question is,

is there anyway, short of physically going to all my old addresses,

to find out if any other DCs are trying to contact me?

 

 

So I can deal/dispute/pay anything before it reached the stage of a CCJ?

If an amount of £1000+ ends up as a CCJ I'm going to struggle to pay it immediately in order to protect my file.

 

NB My credit file shows no debts as all have passed 6 years on default date.

Santander defaulted in Nov 2008, but I have never seen EGG or MBNA on there.

I can only go back as far as September 20014 though.

 

 

To my knowledge, I haven't made payment to any debts for over 6 years so likelyhood is they are statue barred anyway

but would like to know if any DCs are actively trying to contact me before they go to court.

 

 

Any advice appreciated, even if it's to be told that I have to just sit with my fingers crossed.

 

Many Thanks

Edited by Aaron8219

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Thread moved to the correct forum.

 

In response to your post.......It is vital to inform any creditor of a change of address....you cant hide by moving and not inform them as your last known previous address is legally acceptable with view to issuing court claims........saves all the stress above.

 

Regards

 

Andy


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if your debts don't show on your file

as you say, the defaults must have been 6yrs+ and the accounts have been removed

 

 

although there is no direct relationship between statute barred date and defaulted date

in this instance, its a good indication the debts are statute barred.

[unless you know they were paid after these dates?]

 

 

if to date, no creditors or DCA's have gotten a CCJ on these

then odds on, if they do

your defence/set aside will be easy and absolute.

they debt was sb'd before the claim was issued.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thread moved to the correct forum.

 

In response to your post.......It is vital to inform any creditor of a change of address....you cant hide by moving and not inform them as your last known previous address is legally acceptable with view to issuing court claims........saves all the stress above.

 

Regards

 

Andy

 

Thanks for the reply. I have not attempted to hide from debts, and have paid back thousands over the years.

 

However due to circumstances at the time, I didn't inform all creditors because I simply couldn't keep up with everything.

 

The stress above, is a consequence of my nievity at the time, and I am simply trying to put situation right now, to avoid further action.

 

I would say this is the opposite of 'hiding' from my debts.

 

Thanks for your contribution though.

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It is virtually impossible to hide anyway, because so much is linked into credit records. Therefore, i am sure other creditors would know your current address and be writing to you. If they have been writing to old addresses, people at those addresses would have been returning the post marked not at this address.

 

When you come to apply for a mortgage, i think you have to provide all your addresses over the last 10 years and this is when you would be holding your breath, to see whether it picks anything up. It won't help your application, if your credit file history of addresses does not match what you tell them. Creditors hate not being advised of change of addresses. Perhaps it might be wise to find out what your address history is on credit records and make sure any application you make is consistent.


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Thanks for the reply,

 

I regularly check Experian and indeed pay them £14.99 for the privilege! I can see that I have 124 linked addresses (variations, repeats), and can confirm that every address I have ever lived at is listed. I guess that's all I can do? I've made an effort in the past to go through them and make sure they are accurate and correct dates etc.

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Well if all of your addresses are linked, then IMO. there is nothing to worry about.

 

They know where you are, and where you have been for the life of these debts, so they 'could' have chased had they wanted.

 

Trust online is also a good site to check for CCJ's, BUT, if your CRF is clear, then it is unlikely they will have sneaked one in by default.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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