Self Managed DMP Query

funkypriest

Hi I am currently paying debts through a self managed DMP.

Once thing I'm worried about is that if there are creditors that I am not paying and I am just waiting for a CCJ to appear on my report etc due to them not having my current address.

Am I being silly? Can i trust my credit reports (Equifax and Experian) to show all of my current creditors?

I can't help but feel that there may be companies that I owe money to that are not appearing on my credit reports.

Thanks,

National_Debtline

Hi

I would expect any credit debts to show on your credit file held by at least one of the three main UK credit reference agencies, Experian, Equifax and Call Credit, unless you defaulted over six years ago.

If you haven’t also checked your credit file held by Call Credit you can view it for free through www.noddle.co.uk

James
@natdebtline

Sazzie23

I wouldn't worry to much, unless a ccj would create you with job issues.
They'll find you if you are paying some one. If they haven't tracked you down in 6 years, it's statute barred I believe.