Addressing debts from Prison

stevepotts2010

Hi all
A family friend who has just been sent to prison for 2 years.
He has left numerous debts... and his parents have asked if i can help addressing the situation as they are not in the best of health. In honesty they would not know how to use a calculator let alone a computer to surf the net! (lol)
He is in his mid 20's
Was living with parent recently until sentenced,
previously he was living with his Ex girlfriend.
Debts are at both addresses....

HSBC (now with debt recovery) £304 (addressed to parents house)

O2 Bill £114 (address and in girlfriends name as he could not get credit!)

T Mobile £60 (addressed to girlfriends rented house)

Zopa Limited £5100 (addressed to girlfriends rented house)

Alliance and Leicester £600 (addressed to girlfriends rented house)

Paypal (now with debt recovery) £230 (addressed to girlfriends house)

I need your guideance and advice for best course of action.

I am thinking best he writes them all a letter from Prison explaining his current position.

Is there a template letter that should be used?

What will then happen to the debts?

I do not to have bailiffs knocking on the door of innocent parties if this can be avoided.

I look forward to all your words of advice

thanks & regards
Steve

RAS

Hi

If by any means, bailiffs ended up at either house, they could only take HIS belonging and onyl if the householder let the bailiff into the house. So that is not a problem.

He probably would be best writing to all the creditors and giving them his prison address for future correspondence. That should make them realise that the chance of getting much back is nil.

Regarding the O2 bill, as this is in his GF's name, she will have to deal with it. If he thinks he will be able to help her with it in the future, he needs to talk to her.

It may be that he can get a CAp advisor to visit him to discuss his options?

stevepotts2010

Many thanks

Gorgeous_George

Hi steve

The largest debt is the Zopa loan. I recommend that someone contacts them for advice (contactus @ zopa dot com).

I'd be worried that he could incur bank charges if the payments are not stopped.

GG

Bone_Idle

Hi Steve

Shelter have prison debt advisers who can arrange to visit him and work out how to deal with the problem - your friend should ask a member of prison staff about this.