[B]Address changes to creditors[/B]

[DCAtarget]

Hi.

 

A couple of questions:

 

I moved house almost 2 years ago but didn't tell creditors. Most have found me but some (according to CRA) still list account at old address.

 

What is the best way to contact a creditor to advise of change of address without acknowledging debt? I am trying to prevent the possibility of creditor(s) obtaining a default CCJ at my old address.

 

 

Many thanks.

[citizenB]

I think that is quite a tricky one.

 

I wouldnt think that you are acknowledging liability if you simply send a letter with the account name and number with change of address information.

 

You can either ask them to acknowledge receipt or send by tracked method to ensure that they sign for the letter, that way if they did try serving at a previous address you could prove that they did it deliberately in order to obtain a Judgment by default.

 

How far off statute barred are these debts ?

 

You might want to wait for more input though.

[DCAtarget]

Thanks for reply,

 

Approx 2 years left till Statute Barred.

 

I never worried about this in the past as I just thought accounts in dispute, I can more or less forget about them.

 

That was until recently when I received a CCJ claim from an account I'd long since forgotten about, luckily (if you call it that) to my current address at least.

 

What worries me slightly is there are other debts which do not show with CRAs as defaulted 2005/6

but could in theory go for CCJ and win by default without me knowing (until it was too late).

I am trying to find copies of old credit reports and I can then write to those too.

 

Thinking about writing something along the lines of..

 

Dear DCA.

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY/ACCOUNT IN DISPUTE (?)

 

Although above account is in dispute following unfulfilled CCA requests dating back to XXXX date I want to inform you of a change of address so you can forward documents should you be able to fulfil my request.

 

Confirm new details and send recorded.

 

What do you think?

[dx100uk]

if the current [correct] address is on your CRA file

and

they go and try/get a judgement against you

 

you have the 'perfect' defense to get any CCJ obtained like that set aside.

 

your CRA file 'at the time of judgement' is a perfect set aside reason.

 

dx

[DCAtarget]

Dx, if this is true it really puts my mind at rest.

 

So just to be clear as long as my current address is listed with CRAs through I am guessing electoral roll, current account etc then a potential judgement can be set aside should they try a previous address. There are 3 accounts on my credit report (noddle) who have my previous address listed when I click on the account detail.

 

Sorry for asking but I just want to make sure.

[dx100uk]

they are supposed to show due diligence in contacting the creditor....first

 

your cra has the correct info..end of!

 

dx

[DCAtarget]

Thanks for clarifying that. Sounds good to me

 

Star clicked

[BRIGADIER2JCS]

The OFT Guidance on Debt Collection 2003/2011 appendix B States '' that anknowledgment is made by the debtor or his represntative making payment to the account and/or

An unequivical written admississin that the obligation still subsists (admitting liability) so a change of address is not admission.

[citizenB]

I didnt think about that - yes - if the main records are accurate eg electoral roll, Credit files then there is no need to let anyone know. They should do due diligence prior to any action.

 

That has saved you a few pennies in post

[DCAtarget]

Perfect, thanks