How can a creditor find me if I ignore them?
The details held about you by credit reference agencies make it very hard to avoid debts. It’s almost impossible these days to get by without using some form of products which appear on your credit file.
It’s not just loans and cards that appear on your credit file. Bank accounts, mobile phone contracts, car insurance paid in monthly instalments and some utility companies all share up to date information about you with credit reference agencies, including the address they have on file. So to avoid your debts you’d have to stop using any products like this, which isn’t realistic.
Credit reference agencies also keep a record of your different addresses and different names you’ve been known by. So moving house or starting to use a different name won’t help you avoid debts either.
On top of this creditors can employ specialist tracing agents to find you. Some debt collection agencies offer this service.