Brothers debt affecting my mum?

[myfurbyisalive]

My brother is 21 and lives at home with our mum he is unemployed after dropping out of uni twice. He received very basic student loan whilst at uni as my mum is a high earner, I think around 3k a year for the two years he attended. However he had no end of holidays, went to Malia for 4 months and Zante for 4 months (he claimed he was working but with hinds sight think that was a lie), Amsterdam, will only wear designer labels, has the latest gadgets etc. He has never worked. He even has a 60inch TV on his wall which he told my mum he bought for £100 as it had a tiny scratch

I live 300 miles away but went to my mums to visit last week. When I was at there I opened a letter for my brother thinking it was something else. It was from a debt recovery firm requesting payment on behalf of Santander in the amount of £570. I assume its an overdraft or loan he hasn't paid. The letter said he had been contacted several times and needed to reply and set up a payment agreement. I didn't tell my mum about the the letter but I am worried.

If he doesn't pay the debt, which he won't he will just stick his head in the sand and hope it will magically disappear, can they go to my mums house to recover the debt, will this affect her/her credit?

Your brothers debts won't affect your mum's credit rating if they are not in her name.
I am struggling to understand how you open someone else's post at someone else's address by accident though.

I think you should tell your brother what you know. It might not be affecting her credit rating directly but he sounds like he's in over his head and there could be implications for other people in the household.

lacks
I had a piece of post addressed to me (some of my post still goes to my mums house) and the letter to my brother together and I just absentmindedly opened his rather than mine.

Cogito
I'm really worried about my mum. She spent a long time in debt and has finally dug herself out, I really don't want her affected by my brothers stupidity. It would be futile to bring it up with my brother as he won't talk to me about it or face up to it. I don't really want to bring it to my mums attention and have her worrying about him, but I don't want to ignore it and then a few months down the line my mum has a baliffs or whatever at the door.

For the sake of good order you have to talk to your brother first. See how he plans to get his house in order and tell him that, if he does nothing, you'll have no choice but to talk to your mother. Even if her credit rating isn't damaged by his behaviour, there will be knock ons from this. Does he contribute to household costs properly, for example?