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Credit Card Debt Query
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charlielab
Posts: 5 Forumite
A bit of a tricky one maybe, but I'd really appreciate some advice:
In 2012 I left a violent relationship and my former partner still lives in the home. He has never forwarded any mail and I don't want to contact him. I sorted things out as best I could at the time.
Just over a year ago, I found that I had missed a Lloyds TSB credit card which had less than £300 remaining on it. Lloyds and TSB had split by this time- I called both companies and both said they had no record of the account. I maintained I did have an account with them but the mail was going to the wrong address- they told me to go to the bank in person. I did, but they didn't have any record of the account either and said they couldn't look any credit card details up. I gave up (probably not the right thing choice, but I didn't really know what else to do.)
I've recently begun looking into buying my first property and have signed up with Experian this week to check my credit score and I find there's a TSB account with £278 remaining on it, which hasn't changed but where payments have been marked as late for months... UNTIL 30 Nov 2018 where suddenly the account is settled. It now said 'in good standing'.
What's happened here? Has it been passed onto someone else? How can I find out what's going on if any mail gets passed onto an address I can't access, and both the telephone and branch say they don't know anything about me?
In 2012 I left a violent relationship and my former partner still lives in the home. He has never forwarded any mail and I don't want to contact him. I sorted things out as best I could at the time.
Just over a year ago, I found that I had missed a Lloyds TSB credit card which had less than £300 remaining on it. Lloyds and TSB had split by this time- I called both companies and both said they had no record of the account. I maintained I did have an account with them but the mail was going to the wrong address- they told me to go to the bank in person. I did, but they didn't have any record of the account either and said they couldn't look any credit card details up. I gave up (probably not the right thing choice, but I didn't really know what else to do.)
I've recently begun looking into buying my first property and have signed up with Experian this week to check my credit score and I find there's a TSB account with £278 remaining on it, which hasn't changed but where payments have been marked as late for months... UNTIL 30 Nov 2018 where suddenly the account is settled. It now said 'in good standing'.
What's happened here? Has it been passed onto someone else? How can I find out what's going on if any mail gets passed onto an address I can't access, and both the telephone and branch say they don't know anything about me?
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Comments
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You can pay the Royal Mail to forward your mail to another address
You can ring the banks and give them your new address
Your debt was probably statute barred after the 6 year period hence why it's goneSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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It’s either statute barred or it’s been sold to a collection agency0
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You can only get mail forwarded once- I've tried several times since the first time I left, but it won't let you forward mail to the same address again.
I tried calling the banks and visiting the branches (read post above)- they didn't have a record of me being a credit card holder there, so they couldn't keep an address on record.0 -
on the credit report, when did the status of the account go bad? ie can you ascertain from that when it would have been statute barred0
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