Debt Company Chasing

[Meg888]

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.

[bednobs]

i don't understand how you know who they are, if your convo doesn't get any further than "hello is that mrs meg" " i'm not telling you"
does your name/number appear on your company's website?

[Meg888]

I know who they are because they tell me when they get through to me. I was paying them in installments prior to my house being repo'd. We have a company website, but nothing other than my name appears on there - but then with that, they couldn't assume I'm the same person, as like I say I've never advised any of my creditors who I work for. Can they apply for an attachment of earnings order?

[themas]

I'm not completely clear from what you say but it seems that, before you had the house re-possessed, the creditor must have been to Court & got a County Court Judgement against you. You then didn't comply with the terms of the order & they went back to Court & got the charging order on the house. When the house was repossessed there was not enough equity to pay off the charge.

If the above is the situation, then they can still take enforcement action in relation to the debt. To do so they would have to go back to Court, but they only have to send any notification to your last known address. I assume you haven't told them your present address & don't still get post forwarded from the repossessed one so they could take action without you being aware of it until after the event. I think it's possible they could apply for an attachment of earnings order (but I'm not certain about that).

What I am pretty certain about is that you won't now succeed in going on burying this. If they are at all competent they won't now let it go. You need some good debt advice from a free service, who would need to know about all your debts (if you have others, which you imply you do), your income & outgoings. They could then advise you on your options. These could include coming to an instalment payment arrangement, bankruptcy or a debt relief order (if the total debts are below £15K & other conditions are satisfied). Contact your local CAB or ring CCCS.