You mean that the name, MR owes money (a debt)? You don't own the title to your name, so why would you say that mr( master of roles) title is us?? All banks are bankrupt and all money( promise to pay the bearer, in an I o u). So how can you owe a debt? On 6 Feb 2015, at 10:42, Jack Lewis <ukpatriot@xxxxxxxxxxxxxxxxxxxxxxxxxx> wrote: > Does anyone know if owing money to HMRC can affect your credit rating? > > Jack > > -- > www.classicarartist.co.uk