When you request your file from Experian you have to provide your current as well as past addresses. They will not give you your file without a current address to send it to. I found out to my cost years ago that the current address *is* updated on your file. It therefore stands to reason that anyone with access to the info will find you, if you don't appear on the electoral roll/poll tax register (which is how I always got found).(posted 8293 days ago)With regard to other creditor's, they may or may not come after you depending on their write-off threshold. Many companies write off smaller debts which are not cost effective to pursue in order to get the bad debt relief deduction. Others sell them on assignment to debt collectors who will "return" the debt before the 6 years is up so that the originating creditor can take the BDR, as appropriate.
Barclays (as I understand it) sell their debts where they exceed a certain amount. Under their limit they have been known to write themn off, but a loan default without a bankruptcy discharge will blacklist you anyway.