Provident loan being ignored.....

debrag

So my partners nephew who lives with us (unfortunatly) doesn't work but has taken out every possible line of credit he can get, not paid any houshold bills in his name (old house) meaning them wanting to take him to court etc etc.

Anyways I found out in the previous property that he had taken out a loan with provident, at the time I have thought it had gone to DCA/court or about to. Anyways two days ago a letter from them came to our new address so either he told them it or they found it out. I'm getting !!!!ed off coz I don't want baliffs at my door and yesterday I found the letter just thrown in the bid, he clearly isn't giving a crap about it. This letter is just an 'account overdue' letter so I think he is paying them sometimes or at last I hope he is.

What are provident like when people don't pay?
How long before letters about baliffs?
Who has to prove the ownership of items in the house? us or baliff

We keep most things locked in our bedroom or spare room as I don't trust him to not allow a baliff to take our stuff or even him to take stuff to sell.

Should I just let him deal with this himself even though he won't?

Hannah_10

Since it's your house and he's family, I'd say you were in a prime situation to say "oi, face up to it (and I will help you) or fek orf!"

About baliffs... I'm not an expert but until an expert appears to give the definative this is my understanding of it... before a baliff can call, the debt has to have gone to court, the boy will have been CCJ'd, ordered to pay, he will have had to not pay, then it goes back to court, then finally a baliff is sent, then the baliff can't enter unless he has been invited in, he can't force entry, he can't just take things, he has to "levy" on them, which means write them on a list of which you get a copy, then on a different visit come back and take them. What's more, it's the baliffs job to prove that belongings are the boys and not yours, not the other way around.

Like I said though, I am not an expert.

What I am sure of though, is that you don't have a lot to worry about with regard to baliffs. A debt dollector isn't a baliff however, and he might get those calling for him if he's totally ignoring it. They have no powers (a bit like the Avon lady but usually with more stubble and a less cheery disposition... not always though!)

debrag

yeah I know 'baliffs' from DCAs aren't actual baliffs (debt problems myself in the past) and it's no good me telling him anything. I'm not blood or married into the family thank god, me saying anything is pointless, he has only now set up a payment plan with scottish power as they were taking him to court so maybe he'll sort something out when that time comes with provident.

Just the mention of his name gets me angery and depresses me.

He actually has no belonging!!

RenovationMan

I dont think I would have a guest in my home that I couldnt trust not to steal from me. You clearly dont want him there, so why not front up to your OH and get him to ask his nephew to sort himself out or leave?

With certain people, the more you help them, the more you harm them. This lad needs to be taught some responsibility not allowed to laze around your house (rent free?) and ignore his problems.

debrag

The house is in my partners sisters name it's HA and the nephew is listed as living there so we have no choice.

DVardysShadow

debrag wrote: »

The house is in my partners sisters name it's HA and the nephew is listed as living there so we have no choice.

OK I see your choices are limited. If you sleep with dogs, expect to get bitten by fleas. He has the upper hand here and although you are right to be concerned about things like the letter being binned, you have no right to intervene! On other parts of these forums, if it was your nephew posting to complain about you even commenting on the debt letter, he would be advised no doubt to pull up his socks over the debt - but also he would probably be advised to tell you to but tout!

Look at it as the sister's house. Bailiffs coming are a hazard like rain coming in through a leaky roof - if she won't do anything about it, you either accept the leaky roof or find a better one of your own.