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Finding old debt
Fireflyaway
Posts: 2,766 Forumite
Recently an old creditor contacted me about an outstanding debt that I used to pay via payplan. I'm now going to pay them directly going forward. I know there are other old creditors I used to pay via payplan but I don't know how to find them. I've asked payplan 3 times if they have the details and they haven't responded. It's not on my credit file anymore.
Any ideas how to locate them? I can't remember the company who had been passed the debt. I don't want them to think I'm deliberately ignoring them.
Any ideas how to locate them? I can't remember the company who had been passed the debt. I don't want them to think I'm deliberately ignoring them.
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Comments
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Hi,
You can’t really do much to be honest, debts are passed around collectors like car keys at a swingers party, it’s very difficult to keep track of who owns what.
If they want to pursue it, they will write to you.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 -
Sourcrates, yes ive found that to be true!
I know one old debt was with Egg. Just looked them up and they don't seem to exist anymore. I'm just concerned they might write to an old address and then one day out the blue I will have a bailiff at the door.0 -
How long have you not been paying the debt?0
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David2Prit wrote: »How long have you not been paying the debt?Fireflyaway wrote: »Sourcrates, yes ive found that to be true!
I know one old debt was with Egg. Just looked them up and they don't seem to exist anymore. I'm just concerned they might write to an old address and then one day out the blue I will have a bailiff at the door.
Has there been a gap of 6 years without payment to any of these accounts ?
If so, they will be statute barred, and you won`t have to pay them.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 -
I've only missed around 4 months of payments. It's a weird situation. I was paying via payplan and thought all was ok. Then received message from a creditor chasing a missed payment. Emailed payplan to ask what was happening to which they said they had cancelled my plan a few months prior,due to it being impossible to clear in a timely manner. I had no calls or emails, the must have written to an old address so I had no idea. This creditor obviously had my email address but I don't know about the others.0
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Why don't you make a written complaint to PayPlan, as they have not been forthcoming with the information you require?I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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