Chasing previous debtors

Daddima

Debt is registered against a person, not an address, so his credit rating will not be affected.

This has come up before!
The address can be flagged.
We had a serious problem with this and eventually took a solicitors advice as the CAB had told us the address is not flagged it IS!

Crikey, Biglouis reading through your posts here you have certainly had some interesting job experiences: a dominatrix; a debt collector. You must have some stories to tell!
I agree that some people fall into the hands of debt collectors though unfortunate circumstances, but others, as referred to by the OP are just plain dishonest. Disappearing and leaving others to fight off your debts is awful, as is stealing someone’s identity. Both cause horrendous stress. Unfortunately we need the ultimate sanction of CCJs and enforcement bailiffs.

Yes I had some very unusual part time jobs while I was at uni.
Ive also been a motivational speaker, a film extra and sung in night clubs.

I gave up being a (telephone) debt collector after 6 months because it made me feel ashamed to be harassing people, many of whom were desperate. I went on to a sales job which was easy peasy by contrast.

When I was interviewed for the job the manager made it sound like I was going to be "helping" people who had got into debt to structure their outgoings so they could gradually pay off what they owed. Thats what they do in Stepchange and the other debt charities. In a DCA you have the team leader on your back and then the manager on theirs. Its all pressure, pressure pressure to rake in the money with no consideration of whether the person you are talking to can afford it. People are not going to prioritise a debt over feeding their children.

There were a very small number of people I dealt with whom I would call "professional debtors" and who knew all the angles and how to manipulate the system. Before I left I read up on a lot of the rules and like all systems it CAN be manipulated. But then the system itself is rotten to the very core.

As with any system knowledge is power.

Some years ago one of my daughters went to her bank for a small loan (to purchase a car). She had been with this bank for decades, had her NHS salary paid into this monthly, her mortgage payments came from it and she had never been overdrawn. Loan was refused.

Reason, her partner, with whom she had not been for several years, had originally been on the joint mortgage - Seven years earlier he had been bought out - all carried out properly with appropriat paperwork. However, prior to that he had been 'borrowing' sums of money against the house. She knew that and had needed to deal with those coming round trying to collect those debts.

She had not at the same time sorted our the credit rating on the house. So - she then found out that although she had NEVER had a debt, the house had a bad credit rating due to his debts all k those years earlier.