Changing name

[tinkerbell23]

My previous bankruptcy thread..

I was looking up stuff on internet various pages...

Seen someone saying they just changed their name to avoid debt....

Surrrrley that is easily traced? Come on!?

[jno]

you can change your name legally as long as it's not for the purpose of fraud (which this would be). But I think it would take more than that to put a determined bailiff off your trail.

[jno]

btw, how's the bug going, tink?

[starone]

I think your other details remain the same though, such as your National Insurance Number and I am sure there are other ways of tracing you as jno says.

[tinkerbell23]

I thought as much!!

Aww JNO...no sickness (yay) very Slight diarreah...but i just ache and quite lethargic! Started the post christmas clear out (making places for all that santa got me)....got so fed up cos im really lethargic!

I burn the candle at both ends though....ive been out late and not really gave myself a chance to recover well! X

[NOX]

Anyone can change their name in England, by deed poll, common usage etc, and essentially if you were to do it when you moved house then you could very easily throw a bailiff off your scent, the important thing being to leave no trail or attachment to your old name. That means closing down old bank accounts, store cards and anything that links you to your old address, likewise Facebook / Myspace profiles etc. You then change your driving licence and passport to your new name at your new address and there is your new identity. Bailiffs have very few powers in reality and are generally not that bright so it's quite do-able.

[jno]

tut... go to bed this instant!

Glad you're pulling through.

[jno]

err... not you, Nox, you can stay up as long as you like...

[NOX]

Blimey Jno- I thought you were getting all masterful...;-)

[Razzle2011]

It helps if you can move to somewhere else in the UK....the cost of tracking you down can outweight the debt!

[tinkerbell23]

Nox...i just thought in this day and age......

I know JNO and i had planned to go watch the footie tomorrow aswell....... Plus out for the bells!! X

[hc4361]

There is a big problem with this.
The law clearly states that if you have not been chased for a debt for 6 years and have had no contact whatsoever, the creditor cannot pursue you through the courts for the money.

However, this does not apply if you deliberately avoid your creditors by failing to give your change of address or change of name.

As soon as you applied for another loan, a mortgage, a mobile phone contract or anything where credit references are checked it is very probable your new name will be tied to your old name.