Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To give debt collectors my relatives address?

555 replies

Famproblems1 · 08/04/2021 19:43

NC, I'll try to keep it short.

5 years ago I let a younger relative come and stay with me temporarily when she was leaving domestic violence in another part of the country, she stayed with me for approx 12 months before moving on into a place of her own with her small children.

During the course of that relationship alot of debt was accumulated before she left age 20..she says the majority of this was due to the partner taking out contract phones and payday loans using her details and that she had no control of her finances.

Despite the fact she doesn't live here anymore and hasn't for almost 4 years I'm still getting letters here addressed to her from debt collectors asking for money and to be honest I'm tired of it and want no part of it.

Obviously I've mentioned this to her a number of times and she claims she has contacted the companies and told them not to send anything else to my address as she doesn't live here. If that's true, which is debatable, then they clearly haven't listened.

I'm aware that she's paying a token sum to a couple of different companies on a monthly basis so she she says she's doing what she can but claims to be out of her depth and can only work part time. She has refused to give her address to these people citing that she's vulnerable with MH problems and has her disabled child there.

I received another letter through the door for her this morning after a peaceful couple of months, low and behold a debt collection company demanding £300 odd and I've reached the end of my rope.

We spoke over the phone which ended in something of a heated discussion because I said I'm going to give them her new address as I'm sick of the letters coming here and don't want debt collectors turning up here trying to take control of my property.

She then spoke to her mother who called me and implied I was being cruel.

So WIBU to do exactly that?

OP posts:
VivienScott · 09/04/2021 20:15

My ex accrued debt while he lived with me and after. I used to get letters here for him, I had a tax officer and a court officer turn up for him. Apparently debt companies will try any avenue to collect their money including writing harassing letters to people at the address where the debtor lived. Just call them and say that the person doesn’t live there and you don’t have an address. Let them know you’ve made a note of the conversation and any further contact will be viewed as harassment.

Standrewsschool · 09/04/2021 20:18

The op has spoken to her relative several times about the situation and tried to help her. It’s actually better that the relative is faced with the truth and start addressing her debt problems. The longer she leaves it, the worst they’ll become. You quite often see on tv programmes where an unpaid parking ticket quadruples in price, if not more, if unpaid. In many ways, the op is helping her relative in forcing the issue. It sounds like the mother is ignoring the problem also, which isn’t helping the matter.

notdaddycool · 09/04/2021 21:43

Give her a deadline to talk to a charity or other organisation and sort her shit out and if it’s not done in 2 months you’ll tell them her address as it’s not unreasonable to not want debt collectors on your doorstep.

howmanyhats · 09/04/2021 22:23

@Standrewsschool

The op has spoken to her relative several times about the situation and tried to help her. It’s actually better that the relative is faced with the truth and start addressing her debt problems. The longer she leaves it, the worst they’ll become. You quite often see on tv programmes where an unpaid parking ticket quadruples in price, if not more, if unpaid. In many ways, the op is helping her relative in forcing the issue. It sounds like the mother is ignoring the problem also, which isn’t helping the matter.
Yes, it's better if the niece takes responsibility for her debt, but this is her problem, not the OP's.

The OP is making it her problem, totally unnecessarily, by opening the letters - illegally - and then stressing about it.

The correct thing to do is to return to sender and tell them she is no longer there.

The OP is placing herself in this drama. She does not need to. If she keeps sending the letters back they will leave her alone eventually. If she wants to hurry it up, she can send proof it's just her on the council tax bill.

5zeds · 09/04/2021 22:36

I totally agree with pp. if OP didn’t open the letters there wouldn’t be a problem AT ALL. Return to sender or forward them on or ask her to get them redirected. If you’d done that from the beginning OP all that would have happened in FOUR YEARS is someone coming knocking for your niece and you saying “she doesn’t live here any more”. It’s your snooping and meddling that’s making you uncomfortable.

monkehsee · 09/04/2021 23:05

@5zeds

I totally agree with pp. if OP didn’t open the letters there wouldn’t be a problem AT ALL. Return to sender or forward them on or ask her to get them redirected. If you’d done that from the beginning OP all that would have happened in FOUR YEARS is someone coming knocking for your niece and you saying “she doesn’t live here any more”. It’s your snooping and meddling that’s making you uncomfortable.
This!
littlebillie · 09/04/2021 23:36

@OnlyFoolsnMothers

And it’s illegal to open someone else’s post!
Actually it's not if it arrives at your address. We had a fraudulent car registered to our address under a different name. I spoke to the police who confirmed opening mail was fine if you own the property.
WisnaeMe · 09/04/2021 23:43

this issue has been Resolved folks

littlebillie · 09/04/2021 23:45

I had this at my first house. I shared my first name with the woman who had previously there but not my surname.

One day the debt collector arrived and spoke to my neighbours and decided we were the same person. He then said I had debt he was chasing me for.

My neighbour came around to see me and told me what was said.

I then wrote to each company explaining I would be taking legal action for deformation of character and harassment. Within the week I had received an apology and they took their search elsewhere.

Please write to each company explaining she has left and their pursuit is harassment and will be treated as so. Also ask for a acknowledgment and send your letter recorded.

It's is not your responsibility to pass on her new details but you need to get a record that you have removed the debt from the property.

TheRulesDontApplyToMe · 09/04/2021 23:46

Why would you do that to a family member. Stop being a grass. Debt collectors aren’t nice people, and the companies that are owed the money add punitive charges / interest. It costs you nothing other than the time to right an email to tell them that person doesn’t live there.

I have the same happen to me from time to time, and I would never grass on that relative. Some people have it tougher than you!

WisnaeMe · 09/04/2021 23:47

I then wrote to each company explaining I would be taking legal action for deformation of character and harassment. Within the week I had received an apology and they took their search elsewhere.

rubbish

littlebillie · 09/04/2021 23:49

@HotPenguin

Why the hell are you opening post addressed to someone else? You are breaking the law doing that. Just send it back marked "not at this address".

Actually it's not if it arrives at your address. We had a fraudulent car registered to our address under a different name. I spoke to the police who confirmed opening mail was fine if you own the property.

littlebillie · 09/04/2021 23:50

@WisnaeMe

I then wrote to each company explaining I would be taking legal action for deformation of character and harassment. Within the week I had received an apology and they took their search elsewhere.

rubbish

🤣 really lovely mood tonight
WisnaeMe · 10/04/2021 00:28

really lovely mood tonight

yes ... sorry lol 🌸

WeWereOnABreak10 · 10/04/2021 00:32

Probably no more than a couple of weeks. I got myself a fuck buddy after my ex dumped me. I think I enjoy it too much to not have it. Been with my husband for 11 years now and sex life still amazing, although children are serious cock blockers. Hahah.

WeWereOnABreak10 · 10/04/2021 00:33

@WeWereOnABreak10

Probably no more than a couple of weeks. I got myself a fuck buddy after my ex dumped me. I think I enjoy it too much to not have it. Been with my husband for 11 years now and sex life still amazing, although children are serious cock blockers. Hahah.
Oh dear wrong thread.. 🤣🤣🤣
WisnaeMe · 10/04/2021 00:39

@WeWereOnABreak10

Probably no more than a couple of weeks. I got myself a fuck buddy after my ex dumped me. I think I enjoy it too much to not have it. Been with my husband for 11 years now and sex life still amazing, although children are serious cock blockers. Hahah.

🤣😂🤣😂🤣 brilliant

OnlyFoolsnMothers · 10/04/2021 04:28

littlebillie then the police don’t know the law either!

SakuraEdenSwan1 · 10/04/2021 05:11

What's your excuse for opening her Bank Statements?

WisnaeMe · 10/04/2021 05:12

@SakuraEdenSwan1

What's your excuse for opening her Bank Statements?
You the Police?
SakuraEdenSwan1 · 10/04/2021 05:22

@Famproblems1

What I don't understand is how is somebody able to take out phone contracts and payday loans with somebody else's details, or even able to hold somebody under duress and get them to do it on your behalf under their own name.

Surely the first thing you would do would be to call and cancel the contracts or report any fraud to the police.

Financial abuse is a very convenient excuse to some people I'm sure, not that I'm saying everybody who uses that as an explanation is lying, but it's a very good excuse to use if you were.

How dare you OP, you clearly are extremely clueless about abuse many of us have been through and escaped from. Your ignorance and attitude is disgusting.
WisnaeMe · 10/04/2021 05:35

How dare you OP, you clearly are extremely clueless about abuse many of us have been through and escaped from. Your ignorance and attitude is disgusting.

turning up late to the Party does not give you Carte Blanch to insult the OP and minimise her 4 year hassles.

You're post is equally disgusting and if you'd read the Thread, you'll read OP has resolved the issue to Her satisfaction. It might not suit you, but that's really not your concern.

OnlyFoolsnMothers · 10/04/2021 09:09

WisnaeMe you OPs friend?

stackemhigh · 10/04/2021 10:03

Actually it's not if it arrives at your address. We had a fraudulent car registered to our address under a different name. I spoke to the police who confirmed opening mail was fine if you own the property.

Yes the police do not give a shit about people
opening post addressed to their house.

All the hysterical doom-mongering about opening the post should stop, especially as Wisnae says, this has been resolved.

Norwaydidnthappen · 10/04/2021 10:06

I don’t think I’d give them the new address just because she sounds quite vulnerable and like she’s already struggling enough. I would send every single letter back in the post with NOT AT THIS ADDRESS written on the envelope and if you can see the companies on the envelope give them a call to explain she no longer lives there.

Swipe left for the next trending thread