Changing name by deed poll confidentiality

Merry_Gentry

flava322 wrote: »

to be honest the change of name isnt to do with my debt, i allowed a family member to use my bank account only to find out the money being payed in wasnt erm "kosher!" next thing theres a fraud mark on my profile..meaning no bank or credit institution will take me on anywhere there are 2 choices and either one doesnt benefit me in any way!

Changing your name won't affect this either - it will be linked to your previous names, and you will be asked on most application forms about other names you have been known by.

tomnjerry

Your credit file is managed by the credit reference agencies (Experian, Callcredit and Equifax). It's their job to correlate all your old credit history (under an old identity) with your new identity, each time you change your name. They do this by getting data from banks, financial companies, electoral roll, and so on. The data doesn't come from just the Passport Office (otherwise it would be too easy to escape debt!).

Changing your name by deed poll is not going to help you in the long run. Debts will catch up with you, and there are big companies whose job it is to chase you down.

You need to deal with this properly, by facing up to those debts, and renegotiating them / working out a plan of paying them back / getting them struck off if you can. In the worst case, you have the option of declaring yourself bankrupt although that's obviously your last resort and not something you want to do if at all possible.

Avoiding debts by changing your name / address is fraud anyway, and you can get yourself in even deeper trouble.

By the way, don't even think about a pay-day loan, this is not even a short-term solution, just a total waste of time.

tomnjerry

I think the best thing you can do right now is to go to your local Citizen's Advice Bureau where someone experienced in these things can help you.

tomnjerry

RAS wrote: »

Hi

if neither you or ex have paid anything towards these debts for more than 6 years, then they are statute barred anyway. The exist but are not enforceable in a court of law, as per the law, the courts and the OFT. It is 5 years in Scotland.

Yes, but if he's (accused of) deliberately avoiding to pay the debt by changing his address, he's committed fraud which is not statute barred.

Upsidedown_Bear

This thread is 4 years old :think:

alastairq

Is it EAster again?

sniggings

tomnjerry wrote: »

Yes, but if he's (accused of) deliberately avoiding to pay the debt by changing his address, he's committed fraud which is not statute barred.

No it isn't, fraud is something totally different, you can choose to stop paying a debt for any reason and it doesn't become a criminal offence, debts are covered under civil law , you don't go to prison for them, well maybe council tax and court fines but that's about it, and the court fine is not because of the debt but because not paying a court fine is classed as contempt of court, so please don't go scaring people with talk of fraud ...even on a 4 year old thread.