Really Messy Muddle - help needed please

If it’s changed now that’s good because It did affect my credit rating when I had someone living at my house and got into debt it took quite a long time as the address was what they went by

Hi fu I found this info online in case helpful:

Experian online form:
www.experian.co.uk/contactforms/consumer_onlinedisassociation.html

Callcredit print out form:
www.callcredit.co.uk/files/Disassociation%20Form%20v2.0.pdf

Equifax print out:
www.thecreditagency.co.uk/equifax/equifax-notice-of-disassociation.pdf

The addresses of the credit reference agencies are:
Equifax Ltd
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
0844 335 0550
www.equifax.co.uk

Callcredit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
www.callcredit.co.uk

Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF
0844 481 8000
www.experian.co.uk

Sources: www.ico.gov.uk/

Re the "dissociation" form, we never did that (didn't think/know about it) and I know our credit rating is fine because during that time we bought a house...

I'll look into it now though .

It used to be that debts attached to all occupants in an address for credit rating purposes, but this is no longer the case. You cannot be held liable for your son's debts, however if it's the address that bailiffs have and they are called in you will have to explain the situation to them. They cannot just come in and take things from your house, so set your mind at rest.
We moved into this house twenty years ago and for a full TWO years afterwards we had threatening letters, bailiffs at the door and harassing phone calls from debt recovery companies seeking someone who had lived here previously. These were persistent 'loan shark' types who took some convincing that the person they were after was nothing at all to do with us. Now I always warn would-be lodgers that I will carry out a credit reference check and it prompted one woman to then confess that, in spite of having just spent an hour telling me what a successful writer she was etc. that she had several County Court Judgements outstanding.

Don't worry about any post . As long as you are not a guarantor. You need to telephone the various credit agencies asap ( Monday) they will advise you about filling a form of disassociation ( on line or paper) but you do need to give full information as they decide whether to allow or not . At 45 I would imagine you don't have any problem . Please do it asap though . X

Not a guarantor or connected financially in any way, son is 45. Will look into a note of disassociation , thank you.
I will just forward any post to him but re Recorded Delivery I don't want to sign for them.

fumanchu sorry to hear of your predicament regarding your DS.
We all want to help our adult children, but sometimes we reach the end of the road.
When we rented a house a few years ago we got a lot of threatening letters addressed to the previous tenants, so the address does matter.
I think I would send back his post unopened, with return to sender, nobody of that name at this address.

Oh dear fumanchu. I think you and your husband need to file a note of disassociation with all of the credit rating companies (equifax etc) make sure you do it with all of them though as they don't always share information. Unless of course you are a guarantor to any of your sons debts in which case you're in a mess. Good luck .

Thanks Grannyknot xx
Loopyloo, this summer he has changed so much and his lies and aggressive behaviour have alienated both of us. We have seen this debt prob coming for a year and repeatedly warned him to watch what he is doing, but got nowhere. Ended up him shouting that we were no help at all and his girlfriend and her family had been terrific. (It sounds like she loaned him money or something but I don't know for sure). But I have asked the hubby to phone him then let me talk to him - I'm not having debt letters and hassle here, we are both late 60s and not in the best of health.

I think perhaps you should ask citizens advice bureau what they think. I don't think it will affect your credit rating although I am not sure. You could go on a credit rating agency site to see how you stand.
Also should you not talk to your son?. It sounds as if he needs some help to manage his debt.

Fu that happened to us with a nephew who stayed with us for a while. I just religiously sent mail back RTS - for years - until eventually the post dried up (we lost contact with my nephew - his choice, because we put some boundaries in place). But he clearly continued using our address, despite being asked not to via his mother. Re signed for stuff, I just declined to sign for anything addressed to him. He has had a string of jobs with periods of unemployment in between.

So far, we haven't got into any trouble and I do still get post for him every now and again.