Can they find me ?

michael1983l

There is not just bailiffs, a court can add an attachment of earnings or a charging order also. The creditor usually applies for which ever they feel is more appropriate.

They certainly can pursue her for Irish debt over here, I am just not sure in which ways they can enforce it.

Ainebanie

I've just contacted next and asked them if I updated my address is it updated on my credit file and they said another credit search is not conducted .. Does this mean it hasn't updated my credit file?

timetogrowup89

It will still update on your credit file..

timetogrowup89

companies that you have credit accounts with update the information they hold on you to the credit refrency agency monthly.. info like your address, how much you owe, if you've made your payments, credit limit etc

Ainebanie

But if I don't make any orders or anything they don't have any info to give them I suppose.

timetogrowup89

Think they still update it monthly to say you have a £0 balance..

Maybe you should order a free copy of your credit report. When I first saw my credit report, it had the defaulted accounts listed on it. So at least you would know if they had the £4k on your credit report linked to you..

Ainebanie

That's what I'm afraid to do to see if it has my address or any other info. Did yours ?

pauletruth

stop worrying. im assuming the republic and not northern ireland.

1st they can't get a ccj in the uk for irish debt. if they know that your in the uk they can't use the irish civil enforcement against you as your not in that country. if no irish court ruling then no british one will be issued. so you should be safe there.

2nd your credit record in the uk will not show any irish debt. only british credit is reported.

the debt collectors can chase you and threaten you but not much else.

how old is the debt. if its old then don't pay or admit anything. ireland has its own statute barred debt system.

timetogrowup89

Yeah mine had my address on it..

If they havent contacted you before now then perhaps they wont..

On my online report it showed that one of the compnaies that I ahd been ignoring had been doing address traces on me.

You can only really wait it out and see if a letter comes or make contact with them yourself and offer £1.

They cant take something you do not have to give, so please try not too worry too much

McKneff

You have had some good advice on here about offering token payments and starting to sort things out.

That would be the sensible thing to do.