Advice on a familys members debt affecting my credit!

Clarkey_24

Hi

I have posted on here before but Im just looking for a bit of extra advice.

Basically my sister has got herself into some debt, mainly store cards and she has had loans with Provident. She also has around 5 mobile phone contracts in her name, 3 of which she took out on the same day in the same store!! She has basically taken these out for her layabout boyfriend and members of his family.

My parents have tried talking to her about it but it seems to go in one ear and out out the other.

She keeps recieving letters for the debt she owes and also from debt collecters.

I am looking to get a mortgage with my partner after christmas and my question is if she does get CCJ's for her debt, will this affect me or any other member of my house with there credit rating.

Also if the debt collecters do decide to send bailiffs, are they within their rights to go into my familys home and hassle them for the outstanding debt?

Any help would be appreciated!

Lisa

piglet39

Hi Lisa

Re: Your sister's debts - unless you are financially linked in some way i.e. joint account, joint loan, joint mortgage, her credit history will not affect you.

Re: Bailiffs. If they get in - I'm not sure. I know they can't take stuff that you can prove doesn't belong to your sister.

I am sure someone with more knowledge will post in a mo.

HTH

Piglet

bathgatebuyer

Just to reiterate what has been said - it will NOT affect your own credit rating unless you have a financial association with her.

There should not be anything to worry about.

Clarkey_24

Thanks for your comments, much apreciated!

Does anyone have any more advice on the bailiff part?

Lisa

RobertoMoir

if you search the site you'll see where myself and a few others have posted about what bailiffs can and can not do.

For this type of debt (for most types, actually) they can't break into a house or force their way in past someone, they need to gain what is known as 'peaceable entry'. That term might not mean what you think: they can come in whether you want them to or not, but only by trickery or entering through an open door or window, things like that, they can't push past you or wedge a foot in the door.

They also can't take stuff that does not belong to the debtor (you'd need to be able to prove this, at least for stuff in her room).