Tweet
Hi all,
I have just returned to UK after living abroad for approx 4 and half years. At the time when I was moving out from UK I had few credit card and mobile contract debts not exceeding 4k
Now returning to UK, I didn't want to be linked to my old credit file as it has a ccj and the defaults. I don't mind paying it but since I now work in finance sector I would lose my job straight away. So the best way I thought was to keep my head down and let all those debts go statute bared.
I have opened the new bank account here on the new address as I was living abroad for a long time. My new credit file assumingly shud not have been linked to my old address. As I did not mention it to my bank or utilities companies as it was more than 3 years ago.
Now out of the blue I have received a letter from Robinsons way trying to confirm my previous address. The letter is vague and not giving away much. I have no idea how did they come across my new address. Only thing I could think of is updating the address on my driving license.
Questions
1 - are they just phissing or do they for sure know its me
2- am I currect in assuming my credit file has no links with old address if I havnt mentioned it to financial institutions
3- if they don't know for sure its me am I correct in ignoring them ? The old debts would be statute barred in an year and a half
Thank you
I have just returned to UK after living abroad for approx 4 and half years. At the time when I was moving out from UK I had few credit card and mobile contract debts not exceeding 4k
Now returning to UK, I didn't want to be linked to my old credit file as it has a ccj and the defaults. I don't mind paying it but since I now work in finance sector I would lose my job straight away. So the best way I thought was to keep my head down and let all those debts go statute bared.
I have opened the new bank account here on the new address as I was living abroad for a long time. My new credit file assumingly shud not have been linked to my old address. As I did not mention it to my bank or utilities companies as it was more than 3 years ago.
Now out of the blue I have received a letter from Robinsons way trying to confirm my previous address. The letter is vague and not giving away much. I have no idea how did they come across my new address. Only thing I could think of is updating the address on my driving license.
Questions
1 - are they just phissing or do they for sure know its me
2- am I currect in assuming my credit file has no links with old address if I havnt mentioned it to financial institutions
3- if they don't know for sure its me am I correct in ignoring them ? The old debts would be statute barred in an year and a half
Thank you
