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Can Debt collector attach other debts to my payment ?
mxtj81
Posts: 2 Newbie
i have a credit card defaulted 4 years ago and had other one were on default since 2007 but cleared from credit report after 6 years. Both credit was chasing by same debt collector Lowell.
Now i want to pay currently defaulted payment in full so that i can look for a better credit report for renting and other stuff.
I am planning to pay this full via online with my reference number but i am afraid if they bring previous debt forward and attach to this one. bear in mind, i know nothing about these stuff , that is why i came to you guys. So if this is a silly question, please forgive me.
Now i want to pay currently defaulted payment in full so that i can look for a better credit report for renting and other stuff.
I am planning to pay this full via online with my reference number but i am afraid if they bring previous debt forward and attach to this one. bear in mind, i know nothing about these stuff , that is why i came to you guys. So if this is a silly question, please forgive me.
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Comments
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The answer is no.
Each account will have a unique reference number attached to it.
They cannot add other debts, you may of had in the past, to your current one.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thank you sourcrates. :T:T0
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No they can't appropriate it for another account as long as you are clear in what you are paying. Keep proof.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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