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Thread ID: 71952	2006-08-23 07:14:00	checking your credit information ???	willow (11031)	PC World Chat

Post ID	Timestamp	Content	User
480212	2006-08-23 07:14:00	Is there a way of checking your credit information without contacting bayacorp and giving them your current contact details? We have reciently learnt that an old debt generated by an old business partner may come back to haunt us if we leave to go on holiday overseas ? The debt was surpossed to be being paid by a the old partner as part of a settlement but was in my husbands name . :eek: the debt is about 6 years old . Can we be stopped at customs when we leave the country? thanks	willow (11031)
480213	2006-08-23 19:18:00	I'd be extremely suprised if you were stopped from leaving the country due to some old debt.....unless theres court action currently in progress and even then I'd be VERY suprised if that stopped ya........it's a civil matter not a crimminal matter	drcspy (146)
480214	2006-08-23 20:35:00	Your credit details from over five years ago get removed from their records. The only way for it still to appear is if the creditor relists the debt, which would be unusual. This at least is how I understand it - pretty sure it's correct. And there's no way details of a civil debt could ever be known by customs, nor would they prevent you from travelling even if they could.	Greg (193)
480215	2006-08-23 21:24:00	Your credit details from over five years ago get removed from their records. The only way for it still to appear is if the creditor relists the debt, which would be unusual. This at least is how I understand it - pretty sure it's correct. Wrong. Baycorp never remove them. How do I know? My husband has the same name as a debtor on their list. We first started getting letters and visits years ago at our first house. Every move we have made since then we have had yet another one. Its well over 8 years now. I rang them and pointed this out to them with the last letter that came to our current house, and they said if the debt is not paid it stays there. Forever.	pctek (84)
480216	2006-08-24 00:59:00	If it is mistaken identity, or simply same name but different person and address, I'd consider getting your lawyer to write them a letter. That is provided you have taken the issue beyond the initial Erk who answers the phone. Press on up the supervisory chain until you get a person who has the authority to correct such simple errors. Do they provide details of the debt so that you can show proof that it isn't yours, or to reassure yourself that it isn't something you've forgotten about that just hasn't gone away? Doing nothing isn't an option, one day it may bite you in places you don't want bit! Cheers Billy 8-{)	Billy T (70)
480217	2006-08-24 04:22:00	If it is mistaken identity, or simply same name but different person and address, I'd consider getting your lawyer to write them a letter. That is provided you have taken the issue beyond the initial Erk who answers the phone. Press on up the supervisory chain until you get a person who has the authority to correct such simple errors. Do they provide details of the debt so that you can show proof that it isn't yours, or to reassure yourself that it isn't something you've forgotten about that just hasn't gone away? Doesn't bother me except for feeling sorry for the person who has the never-ending debt. They always make a note he doesn't live here whenever we get a new letter. Which is only when we move house. It hasn't affected my husbands credit - ours is perfect, his date of birth is miles different, his middle name is different too. They're just lazy &^$%$ with their records. It bothers me most because this debt never goes away and like Greg said, it shouldn't be there after 5 years. Baycorp suck.	pctek (84)
480218	2006-08-24 17:59:00	The statute of limitations may be diff in NZ . . but here in the US, it's 4 years for some types of debt, 7 for others . Anyone who has an out-of-date debt listed can send a letter of Intentions To Seek Remuneration(s) for a bad or incorrect reporting to credit corporations and demand proof of re-activity (or action by the debtor in the form of even a $1 . 00 payment!) in the last 4 years . If such action is missing, the debt must be removed . Attempts to collect by an agency does not refresh the debt . . . the clock still runs out after the prescribed time limit is reached from the date the debt was conceived . Credit reporting companies can be held liable for having an out of date notification in the current listings . . . and they can be made to pay damages if they report anything incorrectly that causes financial loss or damage to credit lines for a person so listed . Attempts to collect an out of date account/debt are considered criminal and can be "repaired" via fines and damages to the person who was so harassed . Some debts that are not deleted or removed are: Federal Tax delinquencies Spousal support delinquencies Divorce delinquencies Child support delinquencies Court appointed fines or debts STATE taxes are deleted after 7 years (California as an example) but remain collectable and cannot be collected by private collection agencies . They are pursued by the Department Of Motor Vehicles and other State Disability Agencies, etc . I feel that NZ laws are pretty much the same as ours here in the US . . we both have the same legal roots .	SurferJoe46 (51)
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