Family member getting loans

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I'm so sorry for posting here, but the more traffic the better! My family is in a huge dilemma at the moment.

Bit of background..
My BIL has lived with MIL on and off for all of his life (he is 40 now). My MIL is the nicest, most caring woman I have ever met, which he knows only too full well

He is absolutely dreadful with money and got himself into £20,000 worth of debt. He has nothing to show for it at all.
My MIL didn't know a thing about it until bailiffs turned up at her door. She was so ashamed and embarrassed as she has never had this happen before.
He blamed his ex partner and said there was abuse etc..my MIL suffered a horrific nervous breakdown because of this. We paid off all the loans (believing him) but really doing it to help my MIL we didn't want any trouble to happen to her and her home.
He does pay us back monthly.

Fast forward last week, (he has now moved out of her home) Two letters arrive. Two loans he got out in August that he has just completely ignored.
7 days to pay them off or bailiffs again.
My MIL petrified paid them straight away.
She had taken him off the electoral roll, so we don't know how could get them anyway!!

How the heck can we stop him getting loans out from her address if he is not on the electoral roll? What else could we do to stop him being able to do this?

I'm so worried about my MIL. She truly doesn't deserve this. Please can someone advise me what steps we can take.

Thank you very much in advance

Anybody?? ☹️

Not sure but hopefully someone who does know will come along so hopefully bump for you

I'm sorry for your mil, at least she has support from you

I wonder if a CIFAS marker might be a thing? Not sure it’d work in this circumstance- but certainly worth a look?

Have your Mil tell the bailiffs that he doesn’t live there, where he does live and stop enabling him

Stop paying his debts would be a start.

Debt is in his name.
It's a myth debt is attached to the house and it's occupants. It's not. It's not even connected between spouses unless it was a joint application.

So stop paying, provide proof he doesn't live there. End of.

When did he move out? It's probably classed as address fraud if you knowingly apply for credit at an address you don't live at. You could certainly call the company he's got loans out with and let them know, see what they say, as someone else mentioned they might be a CIFAS marker against his name.

As a side note you can still apply for loans if you're not on the electoral register. Not being on the register will harm your credit score, but I'd imagine as all his debts have been paid in full his credit score might not be that bad? Eitherway it's not the only lending criteria companies check.

I don't think there is a huge amount you can do really other than stop paying his debts and telling any debt collectors that the person they're looking for lives at a new address.

Firstly your mil needs to stop opening his mail, if she gets anything send it back to the sender, not her son saying that this is not his correct address and give them the right one. They will eventually update their records. But as per previous advice she needs to simply accept he is a grown man and she is not helping him paying off his loans- if anyone turnes up tell them the truth he doent live there, after all this just means he can get more credit if last is paid off.

Maybe repost this in the legal section? And good luck. Horrible situation.

Tell mil to stop paying his damn loans or he will continue to get them thinking oh well mum will pay them! When they arrive pass on hos forwarding address or you can actually call them and do this over the phone and ask them to take your address off there data. Dont ask how I just do, bloody family

Go to cab ,with your mil and the details.she might be able to claim the money back

Bailiffs came to me for a debt of my son's. He had never lived with me at the house I was at and certainly hadn't used the address - it was a council tax bill he hadn't paid and had moved on from the house it was linked to.

I told them I didn't know his address which was true, although I knew where he was living but not the name of the road or the number.

They never came back.

Not sure what happened after that, it was over 15 years ago. He has grown up since then and now has a mortgage and pays his bills.

don't pay anything for him not even a down payment on a mars bar.

As someone who has previously worked in a bank, as long as he still has proof of his living at that address the bank wont necessary check on the electoral register.

So for example if his driving licence states mils address they will use that as proof of address as long as it in valid.

Possible things that can be done

1. if you know which bank he uses you can inform them in writing that he no longer lives at that address. They will put a note on his account and future borrowings will be scrutinised more vigorously.

2. if you think that bil is abusing the money, gambling etc there may be a way for a family member to limit the use of his account. This will have to be done legally with reasonable proof of the concern at hand.

3. any letters you receive from bailiffs Mark them as "no longer at this address, return to sender" also call and tell them bil no longer lives there.

4. if you have a date/time given as to when the bailiffs may show up, call and tell the police 101 so they can maybe be present at that time for the sake of your mil as it may be considered as harassment.

Thank you all.
I know she should never of paid the second lot of debts. We were sucked into lies that his partner was abusing him etc and making him get loans, and then left him high and dry so to speak.

She was absolutely devastated as she is the type of person to never miss a payment, pay everything way before it's due. We done it for her the first time around as the interest was astronomical, and seeing her have a nervous breakdown was horrific.

We didn't find out about the second loans until she paid them off 😡 I would of never of allowed that to happen. He is just so untrustworthy.

We now know more..she has found a empty bag of what looks like cocaine in a coat pocket.
That explains where all the money is going, as he has no responsibilities in life and we suspected something, as he never had any money but earns a very decent wage.
He is denying it completely (I don't know how he can still lie when he's been caught red handed)

She is petrified if she does something drastic that he will do something stupid.

That's why ending him getting these loans would be a good start!

It's just a nightmare

what'shegoing to do ? it'llbe there are drug guys after me i owe them money, they're gonna kill me blah, blah.'
he has to stand on his own two feet and face the consequences of his actions.

Are these genuine bailiffs with ID etc? I'd be worried about it being drug dealers and that could even be the next possibility l.
I was a debt counsellor and a lot of these demanding letters do threaten bailiff action but it can take a very long time to get to that point if at all. Key words such as 'we may/might' 'it is possible' they aren't saying they will but are designed to frighten people into paying up. He should be making potential payments plans with his creditors or using a debt charity for help and guidance or even submit an IVA. It doesn't have to get to the point of High Court even if it isn't paid in full, other arrangements can be made but he needs to be responsible for it. As others have said no more bailouts. Anyone at the door for him they need to be informed he doesn't live there and you have no involvement or knowledge of his whereabouts.
His Mum worrying he will do something stupid if she is drastic leads me to think he is a controlling arsehole, it's his mess and his alone. Mum has to let go now no matter how hard it is.