Debt

the company who have now contacted might do that...the worst they can say is no

how you skint being a plumber...they're rich

All my mates are on the internet, doesn't cost much to have a laugh with them. That could be a solution? Ditch all your real life mates and then you'll never spend any cash...

can someone explain to me how having debt to O2 will effect someones Credit Rating? Surely this can only effect an "address's" credit rating?

How does O2 and the Credit Rating Agency link together????

If they have a bad debt from a John Smith living at 21 Some Street then If said John Smith moves to another address how does the debt follow him. There is no possible way for the debt to follow him unless O2 have your Nat Insurance number or some other "unique to you" detail

When you register with most companys (non-banking) you dont have to provide any personal id at (iv never had to for any fuel company EVER) so whatever debt you ring up isnt linked to you PERSONALLY, its linked to the name u used to open the account and the address.

will you two get a room

we are here together now

O2 have appointed a company to deal ith chasing up their debt. If a person doesn't pay their debts then they can get a default notice and then a CCJ. When a credit check is done on you it is done against your name, date of birth and the addresses that you give. When applying for credit you generally have to give 3 years address history or a credit check can't be done on you. So if they did move and then applied for credit within those 3 years you'd have to give that address and they'd check it and see that there was a default there or a CCJ depending what happens.

So the debt is registered in his name at that address, so it's not registered to the address so if someone else moved in they'd find if difficult to get credit, but when they link the name to the address it will show up

Also, you can't really compare a fuel company to a company such as O2 because a fuel company (im assuming you mean when you get petrol) only takes payment once, whereas O2 will have ran a credit check on him when they agreed his contract in the first place, so they have all his details on him and unless you're committing fraud then you can't get credit in a different name anyway so it's obviously gunna follow you around .

iv got morgages and loands and never ever ever been asked to provide any address's other than my current address (make sure u have been on the electrol roll for this address for a year as well)

i have bumped many a fuel company for hundreds of pounds even using my real name and i have never ever had any problems as i freqently move address. I have a fantastic credit. There is no way for a company or court to link a debt to you OR serve you with a CCJ unless they have a specific to you details like a NI number I dont care what anyone says as I do it yearly without a problem.

Obv if you stay at the same address you are fucked as its easy to find you and SERVE a court sumons, but if you move you cant be served and they have NO WAY of knowing which John Smith you are.

The only chance you have of being traced is if you get a new credit card, I once got traced becasue Halifax SELL YOUR DETAILS to debt collection agencys and these agencys check these lists to trace you.

sorry by fuel company i meant Energy Supplier ie Scottish Power or NPower

I find that hard to believe, I'm not doubting you but every single mortgage lender we use asks for 3 years address history, at least to run the credit score on you. Some don't actually then chase you up to get proof that you've lived at all those, and in a lot of cases you probably could just say you'd lived there for 3 years and they wouldn't check. But in order for us to get a decision in principle we ALWAYS need 3 years address history with all lenders, so I'm not sure who you've got a mortgage with :spangled:

Anyway - you shouldn't be bumping off companies though you naughty boy

For some reason I don't think these are as arsed about chasing you for defaults or anything, we have loads of people who think they should have problems cos of these but don't, I just don't think they bother chasing you up

is it a central rating 'agency'? i thought it was all private companies?

either way... they all work on the electoral roll, to get finance or credit you have to prove you live at an address and all the previous addresses you've lived at for 5 years.. if you can't, they refuse credit, if the address you give has you down for missing payments, and I mean from seeing my own file - literally one missed CC payment goes down on your record, then they can deny you credit depending on your score.. theres no real way round it it all links up..

I know this from when I was 18 and trying to get a contract phone just as my parents moved house total pain in the arse as I wasn't old enough to have been registered and my parents weren't on the new address yet..

best way to up your rating is get a credit card, take £100 cash out, then set up a DD to take the min payment out over the space of a year or so... this improves your score at pretty small cost to you...

or... just be a bit more responsible!

yeah they ask for 3 years history but u only give the address of the house you are living at NOW.

But you must have been on the Electrol Roll for a few months... the Lender has NO WAY of checking if this has been your only home in 3 years

But when you run a credit check it brings up all of the addresses you've appeared on the electoral roll in the last 5 years at. Even by looking at 192.com and trying to find someone it does that, so if you're saying make sure you're on the electoral roll at your address then it comes up at every address you've been registered at

they do i get letters from debts of previous tenants that where run up years and years ago but the companys have no way of finding you so they just bombard the known address with letters......... strangley iv NEVER EVER seen a court sumons or CCJ notification

hahaha that must be why i never get caught i never register on the electrol roll with a real name (unless i know i will be requiring a loan from that address in future)

as per NO ID IS REQUIRED to register on the E roll.

they can give you a default notice at the address it was registered for, im not too sure about a CCJ so when they trace your history it will appear, whether it has been settled or not

im not sure why you register on the electoral roll then?? just for elecricity purposes and stuff like that then give a fake name to them companies as well??? but if you want a loan you register with your real name?!?!

My my mr fish, you're a right little fraudster

this sort of shit fascinates me, i love sussing out how these bastards work

i rang halifax and asked them why they had given my personal details to antoher company when i found out they had given my details to the debt collection agency BASTARDS lost my custom for life ... so much for data protection