How to find out if I have further debts

Aaron8219

Hi Everyone,

I posted today regarding a CCJ that has been registered against me for an old Santander overdraft. After receiving advice I am going to ask for proof of the payment they say I made in 2009, and once I'm satisfied, I will pay it in full as I am trying to put ourselves in the best position for a mortgage and can't afford CCJs.

My concern now is though, is if this one has found me from the past, will the others? I had an Egg Card, an MBNA Card, an HSBC personal loan, and a Capital One Card.

The HSBC loan was with a DC for a while, and became statue barred. I have written confirmation from them that this is the case and have not heard anything regarding this debt since.

The Capital One card was for £240, so not a huge amount. I have never been contacted regarding this but am worried it might have gone to a previous address. If I do get a CCJ for this though, due to the amount, I would pay it immediately in order to protect my credit file.

My main concern is the MBNA, and EGG Card. I have not seen any letters for these in many years, and I can't recall seeing any since the address I actually had them in. The Santander account that has registered the CCJ now, was from that address and they made no attempt to find me by way of searches etc, just sent all correspondence to that address and then I got a default judgement.

My question is, is there anyway, short of physically going to all my old addresses, to find out if any other DCs are trying to contact me? So I can deal/dispute/pay anything before it reached the stage of a CCJ? If an amount of £1000+ ends up as a CCJ I'm going to struggle to pay it immediately in order to protect my file.

Any advice appreciated, even if it's to be told that I have to just sit with my fingers crossed.

NB My credit file shows no debts as all have passed 6 years on default date. Santander defaulted in Nov 2008, but I have never seen EGG or MBNA on there. I can only go back as far as September 20014 though. To my knowledge, I haven't made payment to any debts for over 6 years so likelyhood is they are statue barred anyway but would like to know if any DCs are actively trying to contact me before they go to court.

Many Thanks

mum2one

I would suggest sigining to noodle (free) then gettting the addresses for the main 3 agencies, and sending them a request for copy of your credit report think its £2 that u enclose

Between them your find all account details etc xx

National_Debtline

Hi

As mum2one suggests, you can check all three of your UK credit reference files to check outstanding debts which you defaulted on within the last 6 years, and also whether you have any other CCJs. Some debts may only have been registered with one of the three credit reference agencies so it’s best to check Noddle, Experian and Equifax to get the full picture.

I can’t think of a way you could find out if any creditors or debt collectors are now trying to contact you without seeing their letters or receiving telephone calls. By checking your credit files it will update your address which may alert debt collectors to contact you though.

James
@natdebtline