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china red
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« on: Wednesday, June 20, 2012, 01:40:11 » |
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So planning on moving back to the UK in September after six years in China. Recently my mum received a letter saying I owed 17k to a debt recovery company of which I know nothing about. Tried to use experian and those kind of credit checking companies to see what the hell this is for (and if theres anything else I need to investigate) but as I live overseas and don't have a credit card it seems impossible. Anyone know if there are any other ways to check credit scores?
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Simon Pieman
Original Wanker
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« Reply #1 on: Wednesday, June 20, 2012, 04:29:33 » |
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When is the debt from? Provided they haven't contacted you in the last six years it becomes statute barred , I.e. they can't enforce it anyway
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china red
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« Reply #2 on: Wednesday, June 20, 2012, 04:46:41 » |
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Actually I have no idea when the debt is from or even what its for. I've tried contacting the debt recovery people to no avail and I thought that checking my credit rating would be a good way to find out if I missed some payment which has built up over the almost six years that i've been here or something fraudulant.
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Batch
Not a Batch
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« Reply #3 on: Wednesday, June 20, 2012, 06:01:24 » |
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tried CallCredit, equifax ? You might find good advice somewhere on here on how to check credit ratings http://forums.moneysavingexpert.com/index.phpThis could always be a scam (false debt recovery agency or identity theft). |
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« Last Edit: Wednesday, June 20, 2012, 06:06:44 by Batch »
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china red
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« Reply #4 on: Wednesday, June 20, 2012, 06:34:53 » |
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Equifax = fill out form, pay money, money taken from card, nothing. No email, no record of my transaction etc etc. Still going through all the details of trying to work out what happened.
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janaage
People's Front of Alba
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« Reply #5 on: Wednesday, June 20, 2012, 06:58:30 » |
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Does anyone know if a previous owner of my house, who is still using my address for things such as dvla documents etc, store cards, will affect my credit rating? We received an emission zone bill the other day, as her log book details haven't been updated. I tried speaking to them about but they don't give a toss.
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Only Me
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« Reply #6 on: Wednesday, June 20, 2012, 07:04:14 » |
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Does anyone know if a previous owner of my house, who is still using my address for things such as dvla documents etc, store cards, will affect my credit rating? We received an emission zone bill the other day, as her log book details haven't been updated. I tried speaking to them about but they don't give a toss.
No. The credit rating is mainly made up of the following 3 things: - Same surname and same initials (you) - Same surname and other initials (your family) - Other surname (your partner) Added to the above it uses a score based on the geodemographics (e.g. Location) |
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ronnie21
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The Mighty Hankerton
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« Reply #7 on: Wednesday, June 20, 2012, 07:06:25 » |
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Does anyone know if a previous owner of my house, who is still using my address for things such as dvla documents etc, store cards, will affect my credit rating? We received an emission zone bill the other day, as her log book details haven't been updated. I tried speaking to them about but they don't give a toss.
You may have to talk to the credit agencies people to explain the position. I would return to sender anything not addressed to yourself stating "moved away" and give a forwarding address is possible, unless you have an agreement with them to continue using your address. |
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china red
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« Reply #8 on: Wednesday, June 20, 2012, 07:13:46 » |
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You may have to talk to the credit agencies people to explain the position. I would return to sender anything not addressed to yourself stating "moved away" and give a forwarding address is possible, unless you have an agreement with them to continue using your address.
Apparently writing "moved away" will not stop these companies from sending mail and having people knock on the door. Better to call the companies and tell them, even better if you have a forwarding address |
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Nomoreheroes
The Moral Majority
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« Reply #9 on: Wednesday, June 20, 2012, 07:15:37 » |
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No. The credit rating is mainly made up of the following 3 things:
- Same surname and same initials (you)
- Same surname and other initials (your family)
- Other surname (your partner)
Added to the above it uses a score based on the geodemographics (e.g. Location)
True, but I was stung for ages after my address was mistyped against my name by one of the people Experian go to in order to check credit. Couldn't get credit for a couple of years because of it! |
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You're my incurable malady. I miss the pleasure of your company.
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kerry red
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« Reply #10 on: Wednesday, June 20, 2012, 08:54:39 » |
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If it turns out to be a valid debt, they will have no legal right to make you pay after 6 years - provided it is 6 years since they contacted you about the debt.
They can still harry you for the money but have no legal standing to make you pay up.
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china red
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« Reply #11 on: Wednesday, June 20, 2012, 09:02:39 » |
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when you say 'first contacted you about the debt' what does that mean? I always thought it was 6 years for any CCJ's
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Simon Pieman
Original Wanker
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« Reply #12 on: Wednesday, June 20, 2012, 09:15:13 » |
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It means if they have written to you or phoned you in the last six years.
What's the date of the letter? When did you leave the country? If it's six years or more between these dates then it is statute barred i.e. they cannot legally enforce the debt.
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WR5
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« Reply #13 on: Wednesday, June 20, 2012, 09:29:44 » |
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Apparently their are a few shady outfits buying up statute barred debt for pence in the pound, then chasing people in the hope they are not clued up enough to pay it.
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jonny72
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« Reply #14 on: Wednesday, June 20, 2012, 09:33:55 » |
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It means if they have written to you or phoned you in the last six years.
What's the date of the letter? When did you leave the country? If it's six years or more between these dates then it is statute barred i.e. they cannot legally enforce the debt.
Doesn't matter if they've written to you or phoned you. If they haven't taken you to court, you haven't made a payment and you haven't acknowledged the debt then after six years they cannot enforce the debt. |
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