What hapen

[Bedroomdilemmas113]

Random musing of the day -

Someone with a mortgage, car finance, job etc leaves the house one day and is arrested and remanded in custody (I haven’t decided whether they’re guilty or innocent in this musing yet).

What happens to all of their credit accounts? Mortgage, car etc? Their wage stops, they have no funds…is there anything that stops their credit file being decimated etc before they have a chance to do anything?

What if you’re renting alone and just disappear one day, and can’t contact your landlord…

Imagine being arrested and remanded and actually being found to be innocent (now I’ve decided my fantasy figure is innocent), but you come out and your house has been repossessed, you can’t buy another one, you can’t get credit for anything. Or worst case been made bankrupt because you haven’t been able to keep up with debt repayments….

Is this what happens or is there some sort of emergency pause that gets put onto someone’s life if they are sent to prison with no warning?

Now it’s cropped into my head, I NEED to know the answer, and Google isn’t helping me.

Does anyone actually know the answer to all of this?

If someone is reported missing then the police will liaise with their bank to see if there have been any cash or card withdrawals.

I din't know. What hapen?

Feels like something you could just ask Google or chat gpt?

If they are arrested, they are unlikely to be remanded in custody for long. Most are released within a day & carry on their lives until their case comes up in court.

I wondered this too!

What happens to the house/proceeds bills etc? Is someone in charge of sorting out this stuff? Then what happens to their personal belongings if there’s no house? No family?

I don’t have a scooby

In the case of my neighbour, he rented out his house, when he came out of prison he was on licence to a family members address.

A solicitor will inform the landlord etc. The prisoner is advised to give up the tenancy, because if they are evicted, it's harder to rehome. It depends on what prison you are in, some have good charity involvement for people without family/friends.

"Imagine being arrested and remanded and actually being found to be innocent"
Look up Peter Sullivan.

It's difficult to start again, but there is accommodation/bail hostels etc. You an get a simple post office account to start with, people who have been convicted of fraud can't just open a bank account.

If there’s a mortgage, it would take a lot longer than that to repossess. I guess if arrested, charged and denied bail there could be an issue. I presume the person arrested would get their solicitor to make the necessary arrangements though. It could be a payment holiday is granted until the trial maybe - or if too long it’s agreed the owner can sell up maybe? I honestly don’t know. I’d assume if renting your solicitor would let the landlord know!