Can Son run up overdraft / credit card bills against my house ?

TUS

Why not just say you don't have his birth cert/passport as they have been lost in the past.
It would be up to him to request new ones via the relevant authorities.

Davewils

By the sounds of it he's not living with you?

So it he'll have your house on his file as a previous address but thats it. You can also check your credit file and see if it says that you're financially linked to him (this usually only applies to partners).

If for some reason his name does appear you can contact all the credit agencies and tell them that you are not financially linked to him.

Degenerate

Fang wrote: »

You cannot keep his documents. What on earth made you think that you could? Until he's 18, he can't go overdrawn. Does he live with you?

Not exactly true. They cannot keep his passport, it is a one-off identity document that belongs exclusively to him. Assuming it's the original that they paid for, they can do what they like with his birth certificate - it's merely copy of a registry entry, and their property. Anyone can purchase and own a birth certificate for anyone else. If he wants it, he can buy his own copy.

7891368

Davewils wrote: »

By the sounds of it he's not living with you?

So it he'll have your house on his file as a previous address but thats it. You can also check your credit file and see if it says that you're financially linked to him (this usually only applies to partners).

If for some reason his name does appear you can contact all the credit agencies and tell them that you are not financially linked to him.

You're only financially linked to someone if you choose to do so eg bank accounts/loans etc

Only problems occur when father/son have the same name, which you would need to get sorted

chattychappy

Degenerate wrote: »

Not exactly true. They cannot keep his passport, it is a one-off identity document that belongs exclusively to him.

Not exactly true either - UK passports remain the property of HM Government.

robpw2

TUS wrote: »

Why not just say you don't have his birth cert/passport as they have been lost in the past.
It would be up to him to request new ones via the relevant authorities.

i do not think this is the best advice ,as that would be lying and as the police are now involved would also be fairly foolish

i think you should just give him his passport and and birth certificate , they are of use to you ?if he is not living at your home then he would not be able to open up a bank account there unless he has a proof of address such as bank statement utility bill etc

Degenerate

chattychappy wrote: »

Not exactly true either - UK passports remain the property of HM Government.

Touch!, but the point is they legitimately belong in the named holder's possession.

chattychappy

Actually it's a bit disappointing that the police would even bother getting involved. Sure, it could be a technical offence.. Seems they could be missing a bigger picture if there is a risk of fraud. In fact, there are circumstances in which you can deprive someone of their property if it is to prevent a crime.

A bit of a digression...

I think this chap needs his bottom smacked and told that credit is for grown-ups...

sharpy2010

Your son sounds like an idiot.

izools

TBH it's up to your son what he wants to do and his responsibility. Prohibiting him from making mistakes, prevents him from learning them, and prevents him from becoming as responsible as he potentially could be.

Debts aren't recorded against addresses, but an individual. Even if your son could get in debt (which legally he can't being 17, even through fees) there's nothing anyone could do about it that would affect you.

His credit file, not yours. The data about him missing payments / defaulting / etc would only be visible when HE applies for credit and no one else at the property.

And besides, once he turns 18 he wouldn't be granted enough of a credit limit anywhere big enough to result in court enforcement. Even if he can get a Capital One Classic and a Vanquis card that'll be total credit limit of £500 tops and no creditor will push for bailiff action for that amount. Just wouldn't happen. But even if they did, it'd be for him, not you. Doesn't affect anyone else living at the property.

let your son learn how to be responsible by allowing him to be an individual