Debt

[Jaybeeee]

My son has taken out loans and credit cards from my address but not and wont pay them back. Where do I stand. I’m in rented accomadation.

You report him to the police for fraud - these are not your debts.

Are the debts in his name?

Agree that this is an important question.

How did you find out about it? Are you getting letters to your house about the debts, and if so, are they addressed to you or to him?

Does he live with you?

Who's name is it in and where does he live now?

What is his plan? At some point it will catch up with him. How long has this been going on?

I'd be really annoyed that he was putting me in this situation.

We have had debt collectors in two different houses chasing previous occupants. They ask if you are the person you are chasing. We explain we aren't and they then ask if we have the details of where they are now. Once we didn't the second we did so we passed on their new address. It made no difference as they kept coming back in both cases. We got rid of the first set by showing our council tax bills which showed the person they were chasing didn't live with us and the second time they asked for a utility bill in our name.

They are addressed to him

His plan is not to pay. Dont know where he lives. Nothing in my flat is in his name. The rental agreement bills etc are in my name and everything in there is mine.

As I said before - report him to the police. Contact the companies he has debt with and explain he doesn't live with you and that you have involved the police.

Send all correspondence back marked as 'not at this address'.

If he was ever on the electoral roll, get his name removed.

If any bailiffs turn up, don't let them in and say there's nothing of his in the house.

They'll catch up with him sooner or later, which is his problem.

Id find out if these loans/debs are in his name and if he forged your name as guarantor. Id find out all the details first because if they're all in his name and he's an adult and you didn't know about them, then it's his problem really. You could then advise him to go to a budgeting place to help form a plan to get it sorted

This is very very wrong of him. I'm not sure what your best option is as I don't have personal experience of this. Is it clear what companies these documents come from? If so, could you ring the companies themselves and ask for their advice...?

I'd also be logging and photographing the envelopes that are coming in and recording what you have done with them, e.g. have you taken them into the police to support your fraud report, or have you returned them to sender marked 'not known at this address', or whatever.

The photographs can serve as proof if you need it later that they are addressed to him, and not to you.

You have to report him for fraud. How old is he?

It’s not fraud if the debts are in his name. Op is not liable. She just needs to send the letters back return to sender not at this address

Ah I see, I misread and thought they were in her name. I agree with you

If all the debt is in his name it might not be fraud rather borrowing that has got out of control.

This is between him and his creditors who would have to prove he's borrowed money without intending to pay it back.

They'll probably try to get him to engage in a repayment plan before trying to get him for fraud

Well she says they are addressed to him so I would assume they are in his name.

Okay let’s interject some common sense here. If they are in his name and he feels overwhelmed then he needs to go to an organisation who can support him. He says he won’t pay the debts but is this because he can’t?

Tbey are not your debts, bailiffs won’t turn up unless there is a CCJ (or more) and he is not paying in which case the court can send out bailiffs.

In the meantime all letters need to go back in the post with “no longer living here ….no forwarding address” keep doing it until they get the message.

Dont waste time reporting for fraud, that would be down to the company anyway.

Companies do nothing with not known at this address post. It would be a really easy way of keeping bailiffs off your back if it did!

I would keep an eye on your electoral role to check he doesn't add his name here.

Unfortunately there's no law in doing silly things and ignoring these loans and credit cards will at some point catch up with him. Keep passing on his post, if you start to get chasing post or bailiffs. Post the post back to the company using an address from their website with a note explaining they don't live this at the address and give amethod of getting on touch with them. This was how we got rid of the bailiffs with our second house. They wrote back to us asked for us to provide the utility bill and we never heard from them again. The previous owner didn't believe in paying for parking and didn't change his address on the log book of his car