How to find where an old debt is?

[kelike28]

Dear all..I have another old debt that is showing on my credit file. The default will fall off in 3 months but my concern is it moved around numerous DCA's after the bank sold it (Natwest overdraft) I've no idea where it is and am concerned that since moving a million times, that the latest DCA'S won't have my new address and could issue a claim without my knowledge therfore I won't be able to defend it. Any advice at all? My credit file will be really good early next year and the last thing i want is it messing up with the one thing that possibly could.

[kelike28]

Re: How to find where an old debt is?

Dear all..I have another old debt that is showing on my credit file. The default will fall off in 3 months but my concern is it moved around numerous DCA's after the bank sold it (Natwest overdraft) I've no idea where it is and am concerned that since moving a million times, that the latest DCA'S won't have my new address and could issue a claim without my knowledge therfore I won't be able to defend it. Any advice at all? My credit file will be really good early next year and the last thing i want is it messing up with the one thing that possibly could.

Can anybody offer any help on this please

[nemesis45]

Re: How to find where an old debt is?

Can anybody offer any help on this please

Hello Kel.
Which company show on the file as the owner?
Should show something along the lined of:

Current Account From xxxxxxxxxxxx

nem

[kelike28]

Re: How to find where an old debt is?

Hello Kel.
Which company show on the file as the owner?
Should show something along the lined of:

Current Account From xxxxxxxxxxxx

nem

Hi Nem

It just says current account natwest...i don't recall ever having a NOA but am sure various DCA'S have tried to collect it.

I've wrote to natwest today as they mis sold me an advantage gold account in 2002 until 2008..im hoping if something comes back from it I can offer to pay off what is owed to them should I need to. This may make them find me if it is still with them for some reason perhaps.

[nemesis45]

Re: How to find where an old debt is?

Hi Nem

It just says current account natwest...i don't recall ever having a NOA but am sure various DCA'S have tried to collect it.

I've wrote to natwest today as they mis sold me an advantage gold account in 2002 until 2008..im hoping if something comes back from it I can offer to pay off what is owed to them should I need to. This may make them find me if it is still with them for some reason perhaps.

Hi Kel,

Looks like NW may still have the account then not sold just assigned for collection/management maybe.

nem

[kelike28]

Re: How to find where an old debt is?

Ok nem. Thanks. If it is with them and I have made this contact regarding my old account yet they filed a claim to my previous address without my knowledge could I defend it at a later date now that I have given them my current address? How tat makes sense

- - - Updated - - -

I did find some paper work which showed paying iqor a certain amount years ago. But like you say they could have just got someone to chase debt rather than have sold it.

[nemesis45]

Re: How to find where an old debt is?

Ok nem. Thanks. If it is with them and I have made this contact regarding my old account yet they filed a claim to my previous address without my knowledge could I defend it at a later date now that I have given them my current address? How tat makes sense

- - - Updated - - -

I did find some paper work which showed paying iqor a certain amount years ago. But like you say they could have just got someone to chase debt rather than have sold it.

If the bank decides the debt is worth the time, effort, cost of chasing they may try again to collect or sell of the debt in a portfolio of delinquent accounts.
Now they have a current address perhaps you will get begging letters.
Just a couple of months or so until the account is removed from credit files which wont be affected by anything they do but this does not necessarily mean the debt is statute barred.

The start of the relevant 6b year period for current account/OD is when the bank demands immediate repayment of all outstanding amounts / Final Demand do you know when this happened.

nem

[kelike28]

Re: How to find where an old debt is?

If the bank decides the debt is worth the time, effort, cost of chasing they may try again to collect or sell of the debt in a portfolio of delinquent accounts.
Now they have a current address perhaps you will get begging letters.
Just a couple of months or so until the account is removed from credit files which wont be affected by anything they do but this does not necessarily mean the debt is statute barred.

The start of the relevant 6b year period for current account/OD is when the bank demands immediate repayment of all outstanding amounts / Final Demand do you know when this happened.

nem

Hi Nem

All I can see from credit file is Feb 2010 the number 1 then March to August says letters AP then Sept the letter D which I'm assuming means default. Not sure about final demand. I also paid a few times to DCA'S so I don't think it is SB anytime soon.