by Smither » Thu Dec 16, 2010 11:50:15 AM
I want to know if not confirming adress to CA will increase chance of default judgement?
I got a call of a supposed CA asking if I am "John Smith" ans asking to confirm personal infos. I didnt give any info and after a while the agent finally saying its for a loan I supposedly had with a bank, in 1999, it been sale to "Aktiv Kapital" and they collecting it for them. After saying I dont know any of these and btw 1999 its long pass the SOL in QC, he transfered me to a supervisor. The supervisor asked the same things, not willing to send any doc to me for verification, saying he need my adress to confirm if I'm the right person. After all the time on the phone hes not even sure if I'm the right debtor!? Finally, he said he cant do nothing and will stop it here. End of the call...
What I'm worrying, even if its past SOL, the creditor will get a default judgement without sending me a court order. Arguing they dont have my adress... Is it possible? The CA said its for something with interest about 3k$...