We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Advice required please
Comments
-
Do one what?0
-
Once you start applying for any form of Credit, your old Creditors will be able to locate you via Tracing Agents etc.
I work as a Business Credit Controller (I hear the booos!) and we are advised to wait between 1 - 3 years before we run on a trace on a person as this is the average time for the absconder to re-locate and start re-applying for credit.
Once they have located you this address can be linked to your Credit File. I would advise you contact M&S directly and try and sort out a repayment plan.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards