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Hello,
Just looking for some advice - I moved address earlier this year (I don't move around a lot, only twice in the past five years) and happened to notice a CCJ on my credit file this month. It's all paid off now and will come off my file, but I'm concerned about claims being issued against me at my old address.
I have a lot of debt from when I was a student which I ended up basically not paying back (not proud of this!) - since then, I've had letters from time to time but ignored them. My current address was updated when I moved with the bank and my credit card provider, and the links are all on my credit report - I've not yet had any letters from DCA's to here though.
I'm now concerned that I may get further claims (most of my debt should be statute barred by this time next year). Lowell in particular have purchased quite a few different debts and I know they have a habit of rolling them up into one claim.
I have alerts set up on my credit report, but what is the best way to ensure I know I've received a claim so I can either defend it or pay it off in time for it not to affect my credit?
My main concern is that if I write to the DCAs with my new address, it will constitute acknowledging the debt.
There are 15+ defaults, mainly low amounts, a total nearly £12k - the largest creditor is Lowells who have approx £3k of debt on my credit file. Their first debt is SB'd in November so if they're going to issue against me, now's probably when they'll do it.
The other thing I'm worried about is that I'm sure there are a couple of debts which are not showing - so I don't even know which DCA is dealing with those (I can't fully remember who the original creditors were) so I can't make them aware.
I managed to borrow the money (off a good friend) to pay off the recent CCJ as I couldn't risk a set-aside being refused and can't have a CCJ due to my job, but this isn't likely to be possible to do next time so I want the opportunity to defend, or at least stretch out the time I have).
Hopefully this all makes sense!
Just looking for some advice - I moved address earlier this year (I don't move around a lot, only twice in the past five years) and happened to notice a CCJ on my credit file this month. It's all paid off now and will come off my file, but I'm concerned about claims being issued against me at my old address.
I have a lot of debt from when I was a student which I ended up basically not paying back (not proud of this!) - since then, I've had letters from time to time but ignored them. My current address was updated when I moved with the bank and my credit card provider, and the links are all on my credit report - I've not yet had any letters from DCA's to here though.
I'm now concerned that I may get further claims (most of my debt should be statute barred by this time next year). Lowell in particular have purchased quite a few different debts and I know they have a habit of rolling them up into one claim.
I have alerts set up on my credit report, but what is the best way to ensure I know I've received a claim so I can either defend it or pay it off in time for it not to affect my credit?
My main concern is that if I write to the DCAs with my new address, it will constitute acknowledging the debt.
There are 15+ defaults, mainly low amounts, a total nearly £12k - the largest creditor is Lowells who have approx £3k of debt on my credit file. Their first debt is SB'd in November so if they're going to issue against me, now's probably when they'll do it.
The other thing I'm worried about is that I'm sure there are a couple of debts which are not showing - so I don't even know which DCA is dealing with those (I can't fully remember who the original creditors were) so I can't make them aware.
I managed to borrow the money (off a good friend) to pay off the recent CCJ as I couldn't risk a set-aside being refused and can't have a CCJ due to my job, but this isn't likely to be possible to do next time so I want the opportunity to defend, or at least stretch out the time I have).
Hopefully this all makes sense!
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