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Hi all,

 

I have just returned to UK after living abroad for approx 4 and half years.

At the time when I was moving out from UK I had few credit card and mobile contract debts not exceeding 4k

 

Now returning to UK,

I didn't want to be linked to my old credit file as it has a ccj and the defaults.

 

 

I don't mind paying it but since I now work in finance sector I would lose my job straight away.

So the best way I thought was to keep my head down and let all those debts go statute barred.

 

I have opened the new bank account here on the new address as I was living abroad for a long time.

My new credit file assumingly should not have been linked to my old address.

As I did not mention it to my bank or utilities companies as it was more than 3 years ago.

 

Now out of the blue I have received a letter from Robinsons way trying to confirm my previous address. The letter is vague and not giving away much.

 

 

I have no idea how did they come across my new address.

Only thing I could think of is updating the address on my driving license.

 

Questions

1 - are they just phissing or do they for sure know its me

2- am I currect in assuming my credit file has no links with old address if I havnt mentioned it to financial institutions

 

3- if they don't know for sure its me am I correct in ignoring them ?

The old debts would be statute barred in an year and a half

 

Thank you

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Guest Mrs Hobbit

Your name, date of birth and place of birth, even parents names on any application will link straight away to your old credit file.

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also, you can ignore robbers way. It's an automatic phishing letter. No human input was used to make it,


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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how olds this CCJ?


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Defaults are all from July 2012, ccj although shows a date of July 2013

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so will be there for 6yrs regardless to if paid or not

then the CCJ drops off

 

the same goes for defaults, though when a default reaches its 6th birthday the whole account vanishes.

 

doesnt mean if either happen that the debt nor the CCJ are not still owed mind.


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Yea I understand it will be off the file but I could be chased for the ccj and not a statute bared debt.

 

 

I just don't want a link to my old credit file as it would risk my job and whole career for a mistake i made when I was too naive

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nothing you can do sadly

 

 

theres no way running away and hoping by hiding it wont get linked to who and where you are now.

 

 

dx


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Theres no old credit file. Its the same one, and regardless of owner, they have a legal obligation to update it and keep a truthful and accurate record.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Well I think I will pay the ccj but

1 - Can I pay the ccj via third party? Without showing my address to the creditor ?

 

2- if I pay the CCJ now will it reset the clock? Knowing it will come off my file in 2 years. Will it stay again as satisfied for next 6 years ?

 

Thanks

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show satisfied until the 6 year point any point in paying as it will not be removed ???? sure others will comment or just stay low for 2 years without russling DCA to find you they will if they want to, thru CRAs bank account or entries by financial organisations anybody with your name a potential target!


:mad2::-x:jaw::sad:

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paying or not its still goes on its 6th birthday

pers i'd go have a holiday!!


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I have received the letter from Robinsons way.

 

I havnt opened it but reading all the posts it seems about details of the debt.

 

Should I return it to sender ?

 

Or shud I open it and send a prove it letter ?

 

Its so old that I am sure they wouldn't be having any paperwork to it

 

Also if I may add,

since I have come back after 5 years,

the bank account I opened is a cash card one (basic) and have council tax under my name.

 

 

I am sure its not my credit file where they got my address from,

if that's the case could they be sure its definitely me ?

And do they have the athoutrity to link my new address with old one on credit file ?

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so how likely are your employers going to see your credit file?

cause sure as eggs is eggs

it'll be there soon...


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Does that mean they have the athoutity to link it ?

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who are 'they'

 

 

you seem to be misunderstanding how credit files work

they and their CCJ's are nothing to do with it being registered at an address.

its registered to a person...you!!


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Well I think it is complicated for me.

I thought if I have this new address and no credit,

it will be hard for the CRA to link my identity to old address.

 

But u are suggesting it's very easy for them.

I havnt checked my credit file since coming back as I thought it would give CRA my new address

 

I think I am going to wait a few weeks and then send Robinsons way a prove it letter.

This would buy me time for the default to get SB as I know they wouldn't have the required paperwork

 

who are 'they'

 

their CCJ's are nothing to do with it being registered at an address.

its registered to a person...you!!

 

Well if I go trust online website now and give me name dob and the new address I dont see a ccj,

only time I see it when I give the old address.

 

Reason I would see on my credit file is if CRA link my new address with old one, so I guess it has to do something with Ur address and not just you

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the CCJ is against YOU

TOL wont show it against your new address as its nowt to do with an address.

 

 

you've open a bank account & pay CTAX so that info is already against your credit file..

and how can you say its not there when you've never looked at your credit file??

so neither can your employers have...

 

 

sending stupid letters is not going to help either.

the CCJ trumps the need for them to hold any enforceable paperwork.

 

 

were you resident overseas when the CCJ was granted and can prove it?

 

 

dx


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Yes I was resident abroad.

I had taken up employment.

So there is plenty of proof about it.

 

As for the letters,

I am not referring to CCJ.

I am referring to the rest of defaults which probably Robinsons way is chasing.

 

 

Why should I give them the money without a fight for a debt they bought for only a couple of quids.

So that's why I would keep writing them letters until they prove it they have the original contract etc

 

If they have linked my old file to the new then I would rather go down fighting as I have nothing to lose if my CF shows the ccj

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then you risk more CCJ's via the backdoor because your creditors

[the owners of the debts listed on your credit file [be that the old or the new 'address' one, be them linked yet or not.]

 

 

writing silly prove it letters is not the way to go.

 

 

so what are the debt types and the defaulted dates.??

 

 

sorry but hiding is not the answer here.


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I was just too naive back then.

It was two credit cards and mobile phone contract and bank overdraft.

All this not exceeding 5k with individual value less than 2k

 

Defaults are all related to august 2012 that's when I moved abroad.

 

 

Ccj although was registered August 2013

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you cant CCA the phone nor the OD account.

but as the OD is most prob penalties

and the Mobile most probably sums to full term of contract

both of which can now be challenged

theres routes to question those too.

 

 

all of these are owned by DCA's now?


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Challenge ? Resulting in what ? I am not sure who owns the debts now. As Robinsons way is the only letter I have received so far. I am just dreading checking my CF as I still think what if Robinsons way are just phissing

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well you wont be able to challenge that a balance is not all or not even due if you don't even know you've got another ccj by the backdoor until its too late and bailiffs are possibly at you door.

 

 

as I said earlier, sure as eggs is eggs, your other debt are now in the hands of DCA's.

the phishing trips have already started now you are re resident in the UK,

and they wont bat an eye at going for CCJ's as they can see a very easy win.

 

 

so before you know it, they'll be more that one CCJ that hits the fan and if your employers do ever check your credit file, that'll be an even worse situation than if you were to address the present CCJ now.

 

 

but you need to do your homework first.

 

 

its not impossible to have that old CCJ set aside it's been known, esp as you were, and can prove it, resident abroad.

however, you'd still need a defence for whatever debt the CCJ is about.

so a copy of the CCJ is needed you can get that from northants bulk court.

 

 

IMHO the defaults are the least of your worries, they don't effect employment, but multiple CCJ's do.

 

 

your call, keep head in sand praying that nothing happens until 2019 when the CCJ reaches 6yrs and makes it more difficult for the claimant to enforce it

or hit the whole lot head on guns blazing.

 

 

but you've gotta get your ducks inline first else they wont be easy targets.....


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Right so what that means is

I pay the ccj already on my file and just wait for all DCAs to contact me and pay them as they do.

 

Well if this is the only way out then I will but as I said I will at least want some proof from them that they now actually own the debt

 

So I guess for all defaults CCA is my best bet

 

Just one more thing

- the defaults which are going to go off file in a year time.

Of I let's say reach a settlement with them and pay it.

Wud it still go off the file in an years time or is it going to stay for another six year from the date of settlement/payment

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