Written without prejudice
It has come to my attention that there is a common theme amongst a significant amount of posts/replies here, so I thought I'd share...
First of all, I have to point out that changing your name for the purposes of debt avoidance isn't strictly legal.
Secondly, that it seems that we have a 'two tier' database system in this country let me explain:
The first system is of course the National Insurance Contributions database (Newcastle). This system is designed for use by the government only.. This is why when u visit ur local job centre, employees there have security access cards designed to allow them a recorded access to your NI database details (as this access could so easily be abused). The government has a country to run.. So whatever you’re doing - working or signing on (you should technically be doing one or the other) the government can track u as a taxpayer and a UK citizen. Access to this data has been historically denied to third parties (like credit reference agencies) on the grounds that they are nothing to do with 'running the country' and are (insecure) profit making third party organizations - I hope I have explained this correctly. (:s)
The second system has been built around the electoral system, (which was once described to me as a system dating back to the 19th century) which although its 'compulsory' to register yourself to 'vote' it is initiated by the individual completing the electoral voting role document. The main local council electoral register is updated once a year around the 10th of October, (sometime later now) although there is a 'supplementary' register that is updated on a monthly basis. With the advance in technology and records becoming computerized, they are now more easily recorded and distributable. In fact it’s likely that your local council then 'sells' this information electronically to credit reference agencies (who over the years have merged into almost one entity). This information forms the 'backbone' of the secondary database (secondary to the government’s one mentioned earlier). The credit reference agency then acts a central connection point for all other third parties, mainly (not all) financial organizations/companies who will in turn interpret this data using their own unique ‘credit scoring’ system. One example of the differences of interpretation is marital status, whilst one company will score highly for a married couple another may detract – the argument being the single individual’s higher disposable income Vs the Married couples (alleged lol) stability, like I said, open for interpretation of the ‘source’ data (also a significant number of credit searches made within a given period also can ‘detract from one’s credit score). Other information added to this database is primarily generated by the individual, the main one being previous address. If a subject hasn’t been at their present address more than 3 years (a relative industry standard), then a previous address will be required, this allows the primary credit reference agency to ‘attach’ to addresses to the subject and create (or merge) on credit file. A credit file is 'born on the very first application for credit, and is a combination of name combined with address (i.e. 2 Dave smith’s living next door to each other – u get the picture) also now more than anything the subject’s DOB is used to differentiate in the Dave smith scenario.
Taking into account the above (especially legal issues), it in fact possible to control or hide information that is related to you, as long as the motive is legal.
• If you legally change your name you can legally enter it on the electoral role
• On some/most official/financial documents/applications you only have to declare a change of name during the last 3 year period
• A legal and certified original copy of a deed poll name change is accepted by ALL government departments, inclusive of DVLC, the passport agency and the National Insurance people at Newcastle.
• Do not inadvertently ‘link’ your credit files by providing a previous address, wait for the required period, and stay safe.
So, from this information it is possible to build a completely new credit file, again – as long as it is for the right reasons.
Also, FYI if you have an ‘alleged’ outstanding debt and you have not been in communication (at all) with the company for 6 years and are contacted after that, then you can reply to any demand for payment with a section 5 (1980) limitation act letter (Google it) and they cannot pursue you any further.
In conclusion I think the existing ‘two tier’ system is a good one, however I hope what I have said is (:s) in keeping with the no2id’s beliefs when I say that this ‘two tier’ system appears to be ‘inadvertently’ merging . DVLC database data ‘seeping out’ to third parties, The NHS database, and of course the national ID card itself, the ultimate ‘merging’ and/or ‘selling out’ of our personal data..
Please note, all information above is related to my personal experiences and although I believe it to be 100% accurate they’re always exceptions (also take into account possible current additional changes
I hope this is useful.
Say yes to NO2ID.