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Can they find me ?

Ainebanie
Ainebanie Posts: 25 Forumite
in Debt-free wannabe
Hi all !

I'm looking for some help. I left a debt in my previous country.
When I moved here , some how the credit card company got my phone number and used call me.
Since I have changed my phone number , not for this reason. I would like to check my credit rating but I think I put any details about my current address they might be able to contact me.
What info can they see ?

Thanks !
«13

Comments

  • michael1983l
    michael1983l Posts: 1,916 Forumite
    Depends on the previous country. Experian and Equifax are present in many european countries. Some times they check for enteries abroad. If you tell us the country we might be able to be more specific.
  • Ainebanie
    Ainebanie Posts: 25 Forumite
    Sorry it was in Ireland :(

    I'm just not ready for them to be calling me again ! I also updated my account details on a next account can they track me through that also ?
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    Ainebanie wrote: »
    Sorry it was in Ireland :(

    I'm just not ready for them to be calling me again ! I also updated my account details on a next account can they track me through that also ?


    If the debts are from Ireland, they will certainly find you over here if you have any type of account that leaves a footprint on a creditfile.

    I'm not sure on how they can enforce it though, that will be a question for someone more knowledgeable than me.
  • Ainebanie
    Ainebanie Posts: 25 Forumite
    Then was I silly to change my address on my next account ?
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    Ainebanie wrote: »
    Then was I silly to change my address on my next account ?


    They can and probably will get your address from there.
  • Ainebanie
    Ainebanie Posts: 25 Forumite
    Should I just close it then ?
  • michael1983l
    michael1983l Posts: 1,916 Forumite
    Ainebanie wrote: »
    Should I just close it then ?


    It will still show up as a linked address on the credit file. Any address you have ever had with a credit account will have the details plus a date of last activity. Basically you have slipped up and will have to take this one on the chin.
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    If you changed the address on the next account then they will probably be able to find you...

    This is how one of my debtors 'found' me... But they didnt contact me until about a year after I applied and got a credit card..
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    How much is the debt for? Maybe when they do start contacting you, you could offer them small token payments until you are able to address it?
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • Ainebanie
    Ainebanie Posts: 25 Forumite
    Would they not of got the info from my bank account anyway ?
This discussion has been closed.
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