Debt Co Chasing

[Meg888]

I posted this in business & fin, not getting many answers, would appreciate some advise. Hi. My house was repossessed 4yrs ago, and among other debts, I left behind a second charge which had been brought about by a debt co who had taken over a credit card debt of around £4k. They rarely bothered to chase me when I left. I didn’t go into hiding, I rent a house and pay taxes, council tax and I’m on the electoral register, so I would have thought I would be reasonably easy for them to trace me. I was self employed at the time of getting into these debts, and shortly after I began working for my previous employer. I didn’t at anytime inform any of my creditors who I worked for. Recently however, this particular debt co keep ringing my work number. When they finally got through to me directly, they insisted I confirm who I am, but I kept asking them how they got my number, but they refused to tell me. I didn’t necessarily confirm who I was, so they then said they were satisfied I was Mrs X, and hung up. Firstly, can anyone advise how they may have got my work information and secondly what they may do next.
I didn’t go bankrupt, as I didn’t have the money, and strangely enough, after the creditors sent letters for a while, they eventually stopped.

[woofgang]

what they will do next is chase you for the debt.....

[factor-fiction]

The debt still exists and won't become 'time barred' if you have failed to notify them of your new address. I don't know how they got your details but having gone to this trouble to trace you I can't see them giving up.
I'm not sure exactly what you are asking though.

[Meg888]

Well I'm puzzled how they get my place of work, I haven't supplied anyone with this info, and the only people IMO who hold it on record would be the tax office. My mortgage company traced me at my new address and I liase with them as per. So I'm unsure of why this company has persued me on my work line as opposed to writing. I'm worried they will apply for an attachment of earnings order without my knowing. They've not wrote to me in almost four yrs. Granted, I didn't notify them or any creditor of my new address but as I say, I'm on the electoral register so fairly easy for a company like this to trace I would have thought. I though Attachment of Earnings Orders were resigned to government agencies i.e. council tax/CSA/court fines etc.?

[cassa333]

How they got your work number is easy.

Someone told them.

I had a tenant that left after wrecking the place and not paying the rent for 6 months. I told every creditor she had where to get hold of her.

[2sp_]

It seems you are more concerned about how they found you at work than trying to sort out the debt.

Speak to them, find out what they want, and figure out how to give it to them.

Good luck.

[themas]

See my reply on your other post. Since I wrote that I have checked & the creditor definitely can ask the Court for an attachment of earnings order. As I have said, don't ignore this - take some action.

[Peter Pedant]

C A B give very good advice on debt
ask them

who gave them the info ?
it doesnt matter and you probably wont find out

as you say, you pay your taxes
and now perhaps it is time to pay your debts as well.

PP

[tonywiltshire]

Your creditors may have used an agency to locate you or you may inadvertently have given the name of your previous employer (now current employer) in an application whatever the reason they appear to have located you.
If you have not notified your creditors of your change of address this may be considered to be evading your debt which is not commendable. The Limitation act 1980 may assist you if your creditors have not obtained a CCJ, received a payment, or you have not acknowledged the debt in writing, the position is that under the limitations act the lender has 12 years to take action for any secured capital sum and in most other cases 6 years, (subject to the above points) at the end of this time you still owe the money but the lender is probably statute barred from taking action. If your creditors know your full details they can apply to the court for an attachment of earnings under the 1971 act, your employer will have no option in paying this.

[joko]

does it say it on your facebook etc? are you a friend of any workmates on there?

do you have any online job CVs?

[lcg]

you should have gone bankrupt.....