Please Help!! Equidebt

[rdkr60]

Hi, I have debts going back to 1999-2002,

 

i was with a girl bought a load of stuff for her house, electricals, new car and got myself in a lot of trouble because we split not long after all this and i was left with the debt.

I havent had contact with anyone since 2003.

 

I have been on the voters role since 06 and have heard nothing,

 

then last week i got a letter from Equidebt saying they where looking for me about a debt,

i ignored it and now have another letter,

 

i have recently moved back to my parents and the letters are being redirected,

however back then i fell out with my folks cause of the harrasment they where getting and i am petrified it will happen again!

 

If i access my credit report will the collection agencies see my new address?

I want to check if there are any CCJ's before i send a statute barred letter,

my parents lived at there old address till 05 and sent all the letters back saying i didnt live there anymore

so i assume a CCJ would come from court and they would have seen that.

 

Please please help as i am sitting here shaking and feel like its all starting again!

Many Thanks

[i hate bailiffs]

if you have not acknowledged the debt or made a payment in the last 6 years they will be statue barred

 

check your credit file

 

welcome to GAG

 

remember debt collectors are not bailiffs and never will be

[lookinforinfo]

Who is redirecting them?

Are the debts in your name or hers?

 

Even if you have outstanding ccjs from back then they are effectively statute barred since no contact has been made in the intervening eight or nine years.

[rdkr60]

Hi, they are being redirected by the post office,

i set up a years redirection from my old address,

 

i am just concerned that if i look up my credit score then my new address will start getting letters

and that would end up in a row with my folks like the last time and i dont want to do that to them.

 

Sorry the debts are in my name

[dx100uk]

yes they ost prob will if you give the cra a new address.

 

you cant reall avoid it.

 

if you just want to find out if CCJ's are involved [though as said - they will now be expired as such]

 

then use:

 

www.trustonline.org.uk

 

with your old address

 

dx

[lookinforinfo]

Well, use your old address for the credit report safe in the knowledge that it will be redirected with no danger of them finding out where you are now living.

[BRIGADIER2JCS]

Have Equidebt stated exactly what the debt is, if not ignore them

until they do!