May have missed debt letters due to moving house, any advice?

mmcg

Hi all, really sorry if this is on the wrong section of the forum but I couldn't find anywhere obvious to put it.
I have work health insurance, as part of this I had treatment at a Nuffield hospital. Part of my plan is I have to pay £100 excess at the end of each year. I started my job in July a couple of years ago so my 1st excess was payed in the August the following year. However I am not sure if this year's would have had to have been paid in April.
Anyway I moved house earlier this year so the letters they would have sent since April would not have come to me. I am now pretty worried (petrified tbh) about what this means for me. I assume they will have continually sent letters to my old address looking for me to pay the excess? They do have a phone number for me and also details through my work insurance but I have not heard anything from these means.
Obviously I will phone on Monday morning to try and sort this out but I suffer from a bit of anxiety so not sure how I can wait until then. I had quite a few MRIs etc so if I have voided my cover then I could have a bill of many thousands.
I know this post has been a bit rambling but does anyone know how these situations normally work? Any help is much appreciated.

sourcrates

Hi,

From what I can gather from your post you have an outstanding debt to Nuffield hospital but you didn't update them with your new address, is that correct ?

Simply contact them on Monday and make arrangements to pay what you owe, I wouldn't worry about it, the debt collection process can take years, a few weeks won't hurt.

mmcg

Sourcrates yes you understand correctly and thanks for taking the time to reply. Yes I will be sure to contact them on Monday, I'm just wondering what if any repercussions I may face, looking over some old paperwork I suspect the letter would have been sent to me sometime in may so I'm around 4 months late.
Also, I was wondering what methods company would normally use to try and get in touch in these situations, i.e if they have a phone number for me would they use it or would they just continue to send hard copy letters to the start they have. I suppose situations like this must arise from time to time so I'm wondering how it's normally dealt with.

sourcrates

Well I can't really answer that, as I don't know what debt collection process they employ.
I'm sure if you contact them and explain all will be fine.

mmcg

Thanks. 1 thing I'm worried about is something like CCJs, would this be a likely course of action after this amount of time? I know it's entirely speculative and until I speak to them on Monday Ibworth know for sure but I'm wondering what the likelihood of such major issues are.
Thanks

sourcrates

mmcg wrote: »

Thanks. 1 thing I'm worried about is something like CCJs, would this be a likely course of action after this amount of time? I know it's entirely speculative and until I speak to them on Monday Ibworth know for sure but I'm wondering what the likelihood of such major issues are.
Thanks

Very much doubt it, creditors usually pass bad debts to debt collectors first, legal action, although sometimes threatened, can take a long while to materialise, I would not worry.