Can The Agencys Trace Me?

DarkConvict

You will be surprised at the wealth of information available, if you are running away be prepared for them finding you.

Application are stored by banks, shared between lenders, insurance quotes, credit agreements, credit reports, voting. They can link you in many ways, and if you do not contact them they can get a CCJ at your last known address and hold it against until they find you. Which means you would be running away your whole life from it unless you leave the country and stay away from Germany/Canada where they can still enforce the CCJ.

handyman123_2

Hi, living of the grid so to speak is nigh on impossible, you can move around a lot, but there are still ways that if someone wants you they will find you, It may take years but there are ways. The DVLA are well known for providing details from your driving licence. The fine for not having a current address on your licence can be £1,000. Also the DWP and National insurance can link you from your NI number. If you dont pay NI and Tax fair enough but what happens when you want to retire, plus all the questions customs and revenue will ask as well as the estimated amounts you owe. Also if needed you wont be able to claim benefits.

A good way of tracing you is from medical records, I know that the data protection act is supposed to prevent this but there is allways someone in any organisation will provide information thru the back door for a fee.

I used to have someone in BT who for a beer would get me an address to go with any ex directory number. The police are also known for private use of the police computer

The best way forward is to face up to the problems, I know I managed to
keep below the radar for a few years and now I'm having to face up to things and put it right. If any reader thinks I'm paranoid then thiere right we live in an information age, where if you have the right contacts you can locate someone to a few hundred meters by a mobile phone.

If you realy want to become untracable you would have to do a Ronny Biggs, get a false ID and move somewhere that doesnt have an extradition treaty.

I used to wonder If they can find a terrorist in a matter of days, why did it take so long to find me, the only answer I can think of is I wasnt a high priority.

Sorry if this isnt what you wanted to hear,
Best wishes, handyman123.

ChillyPig

DarkConvict wrote: »

You will be surprised at the wealth of information available, if you are running away be prepared for them finding you.

Application are stored by banks, shared between lenders, insurance quotes, credit agreements, credit reports, voting. They can link you in many ways, and if you do not contact them they can get a CCJ at your last known address and hold it against until they find you. Which means you would be running away your whole life from it unless you leave the country and stay away from Germany/Canada where they can still enforce the CCJ.

Appreciate that, I must admit I was surprised when I searched to ascertain if any CCJ's had been taken out on me at my previous address, they hadn't?! I did write to all my creditors to explain that I had relocated to SE Asia to teach and sent the letters from an address in northern Vietnam, they did initially send out some automated letters to my address in Hanoi, but after 6 months they ceased. There are easier fish to fry closer to home.

I have made a few applications for credit/mobile phones via a proxy IP which linked to my previous bad address at various locations around the UK which I knew would fail but would send out several red herrings for any busybody thinking they could catch me via a 'linked' address. They will certainly be putting in the mileage/postage if they are thinking of door knocking/chasing me from St Ives to Aberdeen via Belfast!

I am concerned about the new NHS database and the ease with which a lowly paid underling could be tempted to reveal address details to a paying DCA.

Its a 6 year rule from the last time a payment was made or acknowledgement made right?...3 more years to go I guess.

handyman123_2

ChillyPig wrote: »

I have made a few applications for credit/mobile phones via a proxy IP which linked to my previous bad address at various locations around the UK which I knew would fail but would send out several red herrings for any busybody thinking they could catch me via a 'linked' address. They will certainly be putting in the mileage/postage if they are thinking of door knocking/chasing me from St Ives to Aberdeen via Belfast!

I am concerned about the new NHS database and the ease with which a lowly paid underling could be tempted to reveal address details to a paying DCA.

Its a 6 year rule from the last time a payment was made or acknowledgement made right?...3 more years to go I guess.

Chilly Pig, I have to ask this question, what are you running away from or just what the heck are you trying to pull. You are obviously IT literate, so why do you need red herrings.

If you have a genuine problem there are people here that will help, if you are gathering info for a scam! Forget it.

I am sorry if I seem harsh, say what the trouble is ( you dont need to get to specific) or it will make people nervous, myself included.

Regards, handyman123.

ChillyPig

handyman123 wrote: »

Chilly Pig, I have to ask this question, what are you running away from ....

Just some old unsecured debts I don't want knocking on the door....I'm usually quite good at keeping my head down, but due to a new job offer/credit check I have to raise it above the parapet and risk being flagged, thus my question as to how exposed I would be if Experian et al had my name and DOB but nothing leading back to my address at the previous past unpleasantness.

Its always worth posting these questions on a dozen consumer boards as sometimes people/insiders give away snippets on how the agencies work. 95% of the replies are usually worthless but its worth posting for the 5%.

Don't worry friend! no scams are planned.

handyman123_2

ChillyPig wrote: »

Just some old unsecured debts I don't want knocking on the door....I'm usually quite good at keeping my head down, but due to a new job offer/credit check I have to raise it above the parapet and risk being flagged, thus my question as to how exposed I would be if Experian et al had my name and DOB but nothing leading back to my address at the previous past unpleasantness.

Its always worth posting these questions on a dozen consumer boards as sometimes people/insiders give away snippets on how the agencies work. 95% of the replies are usually worthless but its worth posting for the 5%.

Don't worry friend! no scams are planned.

Hi you may find that if your new job offer is in the financial sector your previous problems may come back to haunt you, there was a poster last week that this happened to (LTSB) From what you have said if they have not passed the debts to a DCA and its not a massive amount you may be able to negotiate a Full and Final Settlement at a greatly reduced rate, thus clearing your credit file and starting over with a clean bill of health.

If they have passed the debts on DCA's are often happy to settle for an amount even less than the origanal lender.

Cheers, handyman123.:)

Lexxi

It would also depend on the amount you owe as to how much effort they put in to looking for you. OH isn't allowed a cash card for the account so his credit rating cant be good but the DCA's haven't caught up with him, YET.
I want to look at his record but he's said no

DarkConvict

Running is pointless, if you are found to be avoiding debts they will get a CCJ, a CCJ will secure the debt until paid or until you are deceased. CCJ = Bailiffs = Charges = Bigger Debt.
If they can't find you its not unknown for DCAs to contact neighbours and family, further more if you are giving out false information (so called red herring on applications) you maybe flagged up as highly suspect on fraud databases and you could well be doing significant damage if not permanent damage to getting credit/insurance/services in the future.

As above, debts going statute barred is more by luck than trying to run away.

Even if debts are statute barred, if they are under English law they are not written off, only made unenforceable. They would have to be under scottish law to be written off and that takes 5 years not 6.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

handyman123_2

Watch the programme coning up on tuesday at 10pm channel 4 extra, Its called erasing David, apparently its about how people can be traced in the information age.

I'll be watching for shure.

Best wishes handyman123.

forgotmyname

Driving licence and national insurance numbers can trace you.

Problem is if they take you to court you wont know about it and will lose the case and as mentioned that can have lasting affects.

If they have your address you can tell them to go away and if they do take you to court you can put your side across. And not lose instantly for not turning up.