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sammersmith

Debt letters and bailiffs knocking for previous tenant

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I've lived in my flat for 6 months and, from the beginning, there has been a constant flow of debt letters for the previous tenant. This seems to be combination of cc (Aqua card), car finance (Ford), and others.  Each time i received their post I returned with the text 'No longer lives here' as advised by Royal Mail however the letters keep coming.  

Bailiffs turned up the other week and essentially forced me to hand over ID to prove i wasn't the debtor or they wouldn't leave. I didn't like doing this but just wanted to get rid of them.

Letters have started arriving again and I want to prevent the bailiffs turning so told Housing Association but all they did was send me a link to citizens advice https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/bailiffs/stopping-bailiffs/stopping-bailiffs-if-you-dont-owe-the-debt/ which says i have to send off loads of letters and fight to prove the debt is not mine.

I really don't see why I should have to do this. It's the debt providers problem and I resent having to prove my identity to whoever knocks on the door. If i've dutifully returned all the mail and i'm on the electoral role for 6 months, don't the bailiffs not have a duty to check this rather than turn up looking for someone who's long since moved on? 

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As the unpaid debts age they will become less valuable (chance of anything being repaid drops) and it will become less and less economic to pay bailiffs etc to chase them so you should find this will all start to tail off.

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On 09/04/2019 at 17:24, sammersmith said:

I've lived in my flat for 6 months and, from the beginning, there has been a constant flow of debt letters for the previous tenant. This seems to be combination of cc (Aqua card), car finance (Ford), and others.  Each time i received their post I returned with the text 'No longer lives here' as advised by Royal Mail however the letters keep coming.  

Bailiffs turned up the other week and essentially forced me to hand over ID to prove i wasn't the debtor or they wouldn't leave. I didn't like doing this but just wanted to get rid of them.

Letters have started arriving again and I want to prevent the bailiffs turning so told Housing Association but all they did was send me a link to citizens advice https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/bailiffs/stopping-bailiffs/stopping-bailiffs-if-you-dont-owe-the-debt/ which says i have to send off loads of letters and fight to prove the debt is not mine.

I really don't see why I should have to do this. It's the debt providers problem and I resent having to prove my identity to whoever knocks on the door. If i've dutifully returned all the mail and i'm on the electoral role for 6 months, don't the bailiffs not have a duty to check this rather than turn up looking for someone who's long since moved on? 

The debt isnt yours - it follows the person who owes it.

You'll just have to polite-ish and prove your Id.

Ditto utility and ctax bills.

Having a passport of photo driving license will help.

And get info of the which bailiff compnay and who the debt is owed to.

Start billing them if they come back again.

 

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10 minutes ago, spyguy said:

The debt isnt yours - it follows the person who owes it.

You'll just have to polite-ish and prove your Id.

Ditto utility and ctax bills.

Having a passport of photo driving license will help.

And get info of the which bailiff compnay and who the debt is owed to.

Start billing them if they come back again.

I've known people hassled by them where they've refused to acknowledge anything other than what they want to hear.

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Dox the person on FB. I i got nowhere recovering a not inconsequencial amount of money via a gumtree scam from both my bank (HSBC) and Paypal. Even had a crime number but apparently none of that mattered so out of pure frustration and anger i put the guys name, address, FB account and picture of the ad on facebook.

Having returned the faulty goods and hearing nothing from the guy for nearly a month, i got a full refund a few hours after posting his details online. Turns out shamings still a powerful motivator/deterent......................

Edited by burk

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I had this for the first few months after moving into my Repo House.  Usual stuff:  Credit Cards, Motor Finance etc.  I emailed them and also mailed, (Recorded Delivery) a hard copy of a letter informing them that I was not the person they were trying to contact, the person they were trying to contact had moved on, and that I was removing the implied rights of access from my property and that if I continue to receive these demands it would be tantamount to harassment and as a result they would be in contravention of any number of laws and statutes.

I then cited a number of Acts and Statutes which they would be in contravention of if the harassment didn't stop.  I can't remember the actual Acts etc as it was about 8 years ago but you can google this or go to a website called http://Getoutofdebtfree.org.

I didn't receive any more letters after that...

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  • 224 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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