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Starhub residuals

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Ladams215
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Starhub residuals

Postby Ladams215 » Mon, 14 Oct 2013 12:26 am

Hi all,

Was looking through the site and it has made me slightly worried! I left SG back in April and settled all debts I owed as I'm cautious like that. From reading on here I understand there is a chance that I may owe Starhub a few dollars for any amount that wasn't covered when I paid my final bill. (I paid the monthly fixed cost x the number of months outstanding . Circa 1200 dollars) obviously I want to keep my good credit history so I wondered if there is anyway I can check this? I don't know my FIN / ID as I handed that in when I left and didn't keep a record. I've also written to the Credit Bureau. Advise is welcomed.

Thanks in advance.

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PNGMK
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Re: Starhub residuals

Postby PNGMK » Mon, 14 Oct 2013 9:26 am

Ladams215 wrote:Hi all,

Was looking through the site and it has made me slightly worried! I left SG back in April and settled all debts I owed as I'm cautious like that. From reading on here I understand there is a chance that I may owe Starhub a few dollars for any amount that wasn't covered when I paid my final bill. (I paid the monthly fixed cost x the number of months outstanding . Circa 1200 dollars) obviously I want to keep my good credit history so I wondered if there is anyway I can check this? I don't know my FIN / ID as I handed that in when I left and didn't keep a record. I've also written to the Credit Bureau. Advise is welcomed.

Thanks in advance.


I doubt anything will happen. If they have your forwarding address you'll get a letter/bill eventually.

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ecureilx
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Re: Starhub residuals

Postby ecureilx » Mon, 14 Oct 2013 9:45 am

Ladams215 wrote:Hi all,

Was looking through the site and it has made me slightly worried! I left SG back in April and settled all debts I owed as I'm cautious like that. From reading on here I understand there is a chance that I may owe Starhub a few dollars for any amount that wasn't covered when I paid my final bill. (I paid the monthly fixed cost x the number of months outstanding . Circa 1200 dollars) obviously I want to keep my good credit history so I wondered if there is anyway I can check this? I don't know my FIN / ID as I handed that in when I left and didn't keep a record. I've also written to the Credit Bureau. Advise is welcomed.

Thanks in advance.


problem 1: how did you make the payment to Starhub ? if over the counter, they would have told you the actual balance

problem 2; You forgot your FIN ?? Seriously ? I didn't forget my FIN from 16 plus years ago .. how did you do that ?

good news: so far, for those holding EP, Credit Bureau doesn't track credit history .. so .. unless the Govt changes the credit history policy, don't bother much ;)

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sundaymorningstaple
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Postby sundaymorningstaple » Mon, 14 Oct 2013 9:56 am

I still remember my military service number and that was nearly half a century ago! :)

But I have a hard time remembering my home fixed line phone number! :o

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JR8
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Re: Starhub residuals

Postby JR8 » Mon, 14 Oct 2013 11:04 am

Ladams215 wrote:I want to keep my good credit history so I wondered if there is anyway I can check this?


E-mail them and ask. Your name and previous address should be sufficient for them to id you. Or the bank account # previous payments were drawn from.

I think you're right to resolve this. You don't want outstanding debts, and hence absentee court judgements against you, if you ever wish to return to Singapore one day...

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Postby Ladams215 » Mon, 14 Oct 2013 2:16 pm

Thanks for your advice.

I understand Starhub may sell the debt to a collection agency? Is this likely given small value? Also, my understanding is that it will then appear on a credit check?

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ecureilx
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Postby ecureilx » Mon, 14 Oct 2013 3:09 pm

Ladams215 wrote:Thanks for your advice.

I understand Starhub may sell the debt to a collection agency? Is this likely given small value? Also, my understanding is that it will then appear on a credit check?


the way you sound paranoid, it looks like you left more than few dollars .. or did i miss something ?

if you left behind like 20$ or so .. nothing will happen

if you left behind something like more than 100 $, then Starhub may engage a debt collector, who will add his fee and reminder etc, and it can bloat to a thousand $ or more .. then hit panic stations. .

and your claim will be through Small Claims court, if they decide to pursue

Now, did you read the part that EP holder per-se have no credit history ? or you know something I don't know and you don't want to tell me ??

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Postby Ladams215 » Mon, 14 Oct 2013 3:40 pm

Panic over - managed to spk to Starhub and paid 40 dollars outstanding. Thanks for your comments - I did read the point about EP holders not having a credit history but I wasn't sure how that was possible?

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Postby JR8 » Mon, 14 Oct 2013 3:56 pm

Well done. In 3 years time, when you are offered an absolute bang-up transfer, bells and whistles, back here; you're going to be relieved that you were conscientious enough to do that :)

Leaving a place without settling your debts, is like emptying a bucket of s*** on your back door-step. At some future point you're likely to end up back in it, and on your arse.

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ecureilx
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Postby ecureilx » Mon, 14 Oct 2013 5:11 pm

Ladams215 wrote:Panic over - managed to spk to Starhub and paid 40 dollars outstanding. Thanks for your comments - I did read the point about EP holders not having a credit history but I wasn't sure how that was possible?


+, like JR8 told ..

Well, so far, Credit Bureau tracks by IC No, so SC/PR are screwed if they default anywhere ..

The system hasn't catered for EP/FIN #, or those who get a Card while on EP and switch to PR / SC .. or so I think ..


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