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

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Water pursuing me for Mum's debt

127 replies

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 12:19

Hi, is this legal? My mum and I used to live in an address about 4 years ago and the water company are now chasing me for her debt. I have never been responsible for bills there as I was a child at the time.

They have sent it to a collections agency and are now insisting that I take responsibility for her debt. My credit has dropped 80 points from Excellent to Fair. My Mum is insisting that it's some kind of scam but I don't think it is if my credit has already dropped so far.

OP posts:
Sidebeforeself · 25/04/2026 16:31

OP can you explain the inconsistencies in your backstory given your previous threads. Otherwise posters are wasting their time giving you advice

purpleme12 · 25/04/2026 16:35

I don't think there's much point in explaining anything

I was suspicious of OP because of a thread I saw last night...

WallaceinAnderland · 25/04/2026 16:35

@Sidebeforeself I think they are wasting their time anyway. It's clear OP doesn't want to engage with posters. It's just all a bit silly really.

Sidebeforeself · 25/04/2026 16:36

Yes I was being facetious about OP explaining herself!

Hardgarden · 25/04/2026 16:44

Sidebeforeself · 25/04/2026 16:31

OP can you explain the inconsistencies in your backstory given your previous threads. Otherwise posters are wasting their time giving you advice

Don’t bother

The OP needs help. And mumsnet just feeds her issues sadly

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 16:49

Sidebeforeself · 25/04/2026 16:31

OP can you explain the inconsistencies in your backstory given your previous threads. Otherwise posters are wasting their time giving you advice

  1. there are no inconsistencies
  2. I don't owe you an explanation about fucking anything you are a stranger to me
OP posts:
YourWinter · 25/04/2026 16:52

From her other threads I imagine the OP has a lot on her mind, and remembering her own age must be challenging.

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 16:53

ginasevern · 25/04/2026 14:32

@PILEALLTHEPILLSONTHEFLOOR "she would never do that."

So how did your name get on the CCJ? If you were a child when you lived at the property you obviously didn't have any bills or anything in your name and you wouldn't have been on the electoral register. So how does the debt company even know you exist, let alone chase you for money?

I don't have a ccj against me nor would I ever let it get to that point

OP posts:
purpleme12 · 25/04/2026 16:55

That's ok then

Hardgarden · 25/04/2026 16:55

I think the only post we can even vaguely believe is that the op turns on her dishwasher once a week and showers irregularly (using baby wipes as an alternative) and “saves loads” as a result!

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 16:56

Hardgarden · 25/04/2026 16:55

I think the only post we can even vaguely believe is that the op turns on her dishwasher once a week and showers irregularly (using baby wipes as an alternative) and “saves loads” as a result!

add 'millionaire' to your serial killer file on me

OP posts:
Overtheatlantic · 25/04/2026 16:56

I’ve reported this thread.

Hardgarden · 25/04/2026 16:57

Overtheatlantic · 25/04/2026 16:56

I’ve reported this thread.

good shout

The op needs help in RL, that’s the reality

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 16:57

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Bromptotoo · 25/04/2026 16:57

ginasevern · 25/04/2026 14:50

Fair enough but why (if she was a child when she lived there) has the Water Company and debt agency got her name as the debtor. Surely there's only one explanation - the mother gave it to them.

Or they have very similar names and somebody in debt collection has done 2+2=5?

amber763 · 25/04/2026 17:00

You keep saying she would never have told them it was your debt but she obviously has given them your details, otherwise how would they have your name and address. Thats why she got angry at you.

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 17:00

Bromptotoo · 25/04/2026 16:57

Or they have very similar names and somebody in debt collection has done 2+2=5?

Her name is

Emily Jane Doe

my name is

Anna Emily Doey

I hope they leave me alone. I don't mind paying if my mum really cannot afford it as she did let me live there for free while I saved for a place. But I would prefer not to tbh

OP posts:
SoScarletItWas · 25/04/2026 17:01

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 16:49

  1. there are no inconsistencies
  2. I don't owe you an explanation about fucking anything you are a stranger to me
Edited

To be fair, OP, on another thread you say you’re nearly 27 so we’re within reason to wonder how you were a child four years ago at this address.

WallaceinAnderland · 25/04/2026 17:01

Jane Doe?

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 17:02

SoScarletItWas · 25/04/2026 17:01

To be fair, OP, on another thread you say you’re nearly 27 so we’re within reason to wonder how you were a child four years ago at this address.

no like I lived there as a child into adulthood

OP posts:
arethereanyleftatall · 25/04/2026 17:07

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 17:02

no like I lived there as a child into adulthood

😂 so the debt is from when you were 23 but you were a child once? !?

ginasevern · 25/04/2026 17:07

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 17:00

Her name is

Emily Jane Doe

my name is

Anna Emily Doey

I hope they leave me alone. I don't mind paying if my mum really cannot afford it as she did let me live there for free while I saved for a place. But I would prefer not to tbh

Edited

So you managed to save for a place whilst living there, even though you were a child?

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 17:11

I'm satisfied with the response here which indicate they have no legal basis to chase me for this debt so im going to be unwatching this thread, thank you for everyone who took the time to help xxxxx

OP posts:
IamRedCrossnotJesus · 25/04/2026 17:11

ginasevern · 25/04/2026 17:07

So you managed to save for a place whilst living there, even though you were a child?

🤯 🧐🤔

WallaceinAnderland · 25/04/2026 17:20

PILEALLTHEPILLSONTHEFLOOR · 25/04/2026 17:11

I'm satisfied with the response here which indicate they have no legal basis to chase me for this debt so im going to be unwatching this thread, thank you for everyone who took the time to help xxxxx

Lol