How do Debt Collectors / Solicitors find out where you live?

[TGN]

Hi, Just wondering how can you be traced where you live in the UK?

[obiter dictum]

Electoral Register

[dx100uk]

credit file

facesbook

twitter

linked in

but if you owe money

the last thing yo want is for them to file to a last known address

as you'll get a CCJ by default.

 

 

tell us why you have asked this question please?

 

 

dx

[TGN]

My facebook is very private and doesn't have personal info,

i dont have twitter,

no linkedin and other social media.

 

I thought electoral registers and credit files are confidential?

Is that not a breach under data protection act?

 

But as you said it is probably better that they know my address

cos if they sent to my old address then I wouldn't be able to defend it and i'd prob get ccj by default.

[dx100uk]

I thought electoral registers and credit files are confidential?

Is that not a breach under data protection act?

 

what planet have you been living on.

 

the electoral register is in the public domain

and anyone or company with a consumer credit licence has access to your credit file.

 

dx

[TGN]

Ahahaha lol! Sorry, lesson learned for tonight!

 

Thanks dx

[dx100uk]

well done

 

 

dx

 

 

 

 

 

 

 

 

The Consumer Action Group needs help to cover its expenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

or by downloading our toolbar and using it to search the web instead of your normal search engine:- http://consumeractiongroup.co.uk/cag_plugin.php

Please help.

[fkofilee]

9 / 10 times they use your credit file and check credit applications.

Experian has a product to businesses that allows new creditors to log all info associated to a application to a database.

DCAs / Solis can then use this to trace you.

 

When checking your CRA, they will look at 4 things;

 

- Electoral Roll

- Active Bank Account

- Any Other New Accounts

- Latest Applications

[ThedaBara]

Doesn't your credit file ask questions to ensure privacy... or can anyone look at anyone else's file? TB

[obiter dictum]

Every time you make a credit application or use a bank account you give your permission by default to allow the creditor to search your file at any time. That includes after the account has been sold to a DCA as they are the new creditor

[TGN]

9 / 10 times they use your credit file and check credit applications.

Experian has a product to businesses that allows new creditors to log all info associated to a application to a database.

DCAs / Solis can then use this to trace you.

 

When checking your CRA, they will look at 4 things;

 

- Electoral Roll

- Active Bank Account

- Any Other New Accounts

- Latest Applications

 

If a person has no credit card and never applied for one,

is not on the electoral role,

has no mobile contract.

But has a basic bank account,

is on the council tax bill,

has national insurance number,

has pension scheme

 

 

- would they be able to trace the address of that person?

[fkofilee]

Yes. Basic bank accounts still get reported to CRAs.

Also a search is done on you when you apply for a Basic Bank Account.

Money Laundering Regs Etc

[maroondevo52]

You'll need to move to a wee island in the middle of nowhere TGN

[TGN]

You'll need to move to a wee island in the middle of nowhere TGN

 

Yes. Sounds very ideal!!!

[maroondevo52]

Yes. Sounds very ideal!!!

 

5 or 6 years ago I would have went with you but I'm not too bad now.

[dx100uk]

Doesn't your credit file ask questions to ensure privacy... or can anyone look at anyone else's file? TB

 

 

consumer credit licence see the FCA website

[dx100uk]

If a person has no credit card and never applied for one,

is not on the electoral role,

has no mobile contract.

But has a basic bank account,

is on the council tax bill,

has national insurance number,

has pension scheme

 

- would they be able to trace the address of that person?

 

 

silly idea to try and hide

you could get a backdoor CCJ.

[TGN]

5 or 6 years ago I would have went with you but I'm not too bad now.

 

Just go anyway ahahaha

[maroondevo52]

Just go anyway ahahaha

 

Thought you were my mate