grandson using our address

[susannicola]

can anyone advise us what to do my 21 year old grandson is using our address and getting loans from different people last one is cash converter, we have paid a lot of his debts to bailiffs and debt companys but we have had enough. i have put letters back in post but they still keep coming, we are at our wits end through this grandson, can someone help please, thanks

[Inca]

Re: grandson using our address

Hi and to LegalBeagles,,I'm sure someone will be along to help you soon

[labman]

Re: grandson using our address

Your best bet will be to go to a solicitor after Christmas and swear a Statutory Declaration - it costs about £10 in any High Street solicitors. Get a few copies so you can send them to anyone chasing at your address to state he doesn't live with you.

Your other option, and only you can decide whether you want to go this far, is to report him to the police in order that they can pursue a prosecution, probably for fraud (a member called Bluebottle is perhaps best placed to suggest the exact offences).

You need also to make your intentions known quite clearly to your grandson if you can, and give him a dose of 'tough love.'

Good luck, and have a good Christmas. :santa_cheesy:

[susannicola]

Re: grandson using our address

thank you, when i was younger i remembered seeing notices in local papers saying that people were not responsable for other persons debts but i didnt know what to do we have tried telling him but its like talking to a brick wall, the local police know as i have told them but they didnt advise me to do anything said put the letters back in post box

[susannicola]

Re: grandson using our address

forgot to say Happy Christmas to everyone and i hope everyones problems are solved in the new year

[bluebottle]

Re: grandson using our address

Your best bet will be to go to a solicitor after Christmas and swear a Statutory Declaration - it costs about £10 in any High Street solicitors. Get a few copies so you can send them to anyone chasing at your address to state he doesn't live with you.

Your other option, and only you can decide whether you want to go this far, is to report him to the police in order that they can pursue a prosecution, probably for fraud (a member called Bluebottle is perhaps best placed to suggest the exact offences).

You need also to make your intentions known quite clearly to your grandson if you can, and give him a dose of 'tough love.'

Good luck, and have a good Christmas. :santa_cheesy:

If the use of your address has been done without your knowledge and consent and the first you knew about it was when the demands from loan companies and/or debt collection agencies started to arrive, then it could be argued that your grandson has exposed you to loss or the risk of loss. This would fall within the scope of Section 2, Fraud Act 2006 (Fraud by False Misrepresentation). However, it appears you have paid off his debts which sends a signal out of every low-life debt collector and private bailiff company that you can be milked for cash.

If the debt collection agencies and bailiff companies involved have used any form of coercion, including threats of seizing your property or legal action, to obtain money from you, then you should seek to recover all monies from them on the grounds that the debts were not your's and they had no right in law to seek to recover any monies from you and that any threats they made were, consequently, unwarranted. This would put the debt collectors and bailiff companies in a very difficult situation as they would then have to prove they had a right in law to demand money from you and that their use of threats against you and not your grandson, who is the debtor, was a proper means of enforcing the debts. I would also warn your grandson's creditors that you will exercise your right to recover all and any monies from them due to their 100% vicarious-liability for the actions of their collection agents.

Labman's recommendation that you swear a Statutory Declaration is the best way forward in this matter. I would send copies to all and any creditors, debt collectors and bailiff companies you have already paid money to so that they are fully-aware that you are not the debtor. In the case of creditors, I would seek full reimbursement of monies already paid and add statutory interest (currently 8%) to any claim. Include a statement that they should pursue any further claims against your grandson only and that any queries they might have with regard to reimbursing money wrongfully-obtained from you should be addressed to their brain-dead collection agents from whom they should seek reimbursement for their incompetent and wrongful actions.

[wales01man]

Re: grandson using our address

Looks like sound sensible advice Bluebottle one question the answer may help otheres is,if they have already paid some of the debts can they claim the money bacl as you say is it legal to do so im not doubting your advice would just like clarification could save others from paying debts that are not theirs.Glad your well again missed your posts on here

[Inca]

Re: grandson using our address

And a Happy Christmas to you too :bedjump:

[bluebottle]

Re: grandson using our address

Looks like sound sensible advice Bluebottle one question the answer may help otheres is,if they have already paid some of the debts can they claim the money bacl as you say is it legal to do so im not doubting your advice would just like clarification could save others from paying debts that are not theirs.Glad your well again missed your posts on here

If the debts are not attributable to the OP and the creditors cannot prove they are attributable to the OP, then the debts cannot be enforced against them. If the OP was coerced into paying the debts by use of unwarranted threats and the creditor cannot prove the use of threats was a proper means of enforcing any demand being made, then, yes, the OP would be within their rights to demand repayment of the monies, in full, that they handed over to debt collectors or bailiffs. Also, if the OP was told they were liable, whatever, when they are not, then deceit has been used and the monies are recoverable from the creditors involved. The creditor is, at all times, 100% vicariously-liable for the actions of any collection agent they employ. It also puts the debt collectors and bailiffs in breach of any OFT Debt Collection Licence they might hold.

[susannicola]

Re: grandson using our address

we paid phillips bailiffs £1950 earlier in the year, it was when i first joined legal beagles, it was a court fine but the interest was huge, i rang court manager but they did nothing, i sent a recorded letter asking them to refund some of the costs but heard nothing. my husband and i are not prepared to pay anymore debts for this grandson, we have paid lots to banks, and lending firms, my son his father has paid quite a few as well, i have rang firms and told them he doesnt live here when letters have come, a firm called vanquis i spoke to a young lad and told him, grandson didnt live here and didnt have a job he said he knew where i was coming from but his firm loaned to young people who had no jobs, this i cannot understand, thank you all for helping x

[enquirer]

Re: grandson using our address

Your best bet will be to go to a solicitor after Christmas and swear a Statutory Declaration - it costs about £10 in any High Street solicitors. Get a few copies so you can send them to anyone chasing at your address to state he doesn't live with you.

Also consider taking space in the public announcements section of a national newspaper. That way, the information that he doesn't live there, and that the OP denies any responsibility for his debts, has been 'published to the world'.

[bluebottle]

Re: grandson using our address

we paid phillips bailiffs £1950 earlier in the year, it was when i first joined legal beagles, it was a court fine but the interest was huge, i rang court manager but they did nothing, i sent a recorded letter asking them to refund some of the costs but heard nothing. my husband and i are not prepared to pay anymore debts for this grandson, we have paid lots to banks, and lending firms, my son his father has paid quite a few as well, i have rang firms and told them he doesnt live here when letters have come, a firm called vanquis i spoke to a young lad and told him, grandson didnt live here and didnt have a job he said he knew where i was coming from but his firm loaned to young people who had no jobs, this i cannot understand, thank you all for helping x

With regard to the court fine, did Philips claim you were legally-liable to pay the fine and did they threaten to seize any of your goods or make any other threats? Also, what charges did they impose? To the best of my knowledge and belief, interest cannot be charged on a court fine.

If you could detail EXACTLY what they did and said, it will be easier to advise you as to how to go about redressing this situation.

As for Vanquis, this sounds very much like irresponsible and/or reckless lending.