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9 YEAR OLD DEBT IN UK Now planning to come back

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I had debt 9 year ago due to unemployment. i also have a mortgage debt because of repossession of the house in uk.


My question is simple how can i avoid being swamped by the debt collectors before i find a job, settle in and be in a position to negotiate a repayment.


i have a bank account in uk where registered address is overseas. i will have to change that to my current address in uk for criminal records bureau check (now called dbs check) as req for the job. i know banks share the address change with credit companies.


Please advise me on best strategy. thank you

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Just behave normally, as if you have no debts. Just because your name comes up on a search, does not mean you are the person that owes the debt. Any debt owner might carry out searches occasionally and they might find a Mr donoharm living at an address. They will write out first with a letter containing very little info, asking you to contact them. You should never phone any company after such a fishing letter. Either ignore or return it saying that you have no idea why they are writing to the address, saying nothing more.


If you have not paid anything on a non mortgage debt for 6 years, then as long as a court judgement (CCJ) was not obtained, the debt will be unenforceable due to limitations act. Therefore you don't have to pay. In regard to mortgage debt, limitations act is 12 years for the capitol debt amount and 6 years for interest. You can check for CCJ's on the Trustonline site, paying the relevant fee required to them. Check against your last known address to creditors.


Don't worry too much. You might not receive any communications. If you do, then come here for advice.

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We could do with some help from you.



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god please don't go thinking you owe anyone anything....


forget about your past..


its gone...


repo shortfall is 6yrs too...


don't get conned

debt collectors are not bailiffs

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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