need some help and advice

chickster_2

well i have had a phone call from my dad today saying he has had a ballift on his door for me with a letter.......

my dad who i havnt lived with for 4yrs rung me said that they have been to his house, a house he has just moved into with his girlfriend in hull where i have never lived at but they sent a letter there i dunno how i am linked there but i am ..........

anyway i have rung um up and its for £300 which i had no idea about whats the best thing i can do i cant afford £300 as i am a stay at home mum (not on any benifits) and other half works to pay for bills ect.......

i offered to pay £10-20 and month which to be honest is a strectch and she said tis wont stop it going to court, she dosent think,

i am just so up set as my dad is now saying that this will affect them now as they are buying a house and will affect his girlfriends job to, so i well upset as he has said this...

Anyone know is well how i am linked to an address i have never lived at ??


anyadvice or help will be gratefull
on what i should do next

new_leaf_6

You will need to sort this out for your sake and aalso your Dad's sake. I can see why he's angry. It 's not a minor thing to have your credit rating zonked by someone else. I would ask the Baliffs how they came by your contact address at your Dad's house and tell them that they've breached the Data protection Act and can be fined or worse.

pennylane99

if it hasnt been to court yet, it was probably a debt collector....not a bailiff....

CLAPTON

as far as your father credit rating is concerned, he needs to get copies of his credit record from the agencies and see what if anything is recorded there. there is no need for his record to be affected by this as he presumably has no financial links with you. I cant see how it can affect his girlfriends job.

presumably he and you share the same surname?


is he sure they were actual bailiffs and not simply debt collectors?

presumably you actually owe this debt? if they take you to court its important that you attend and explain your circumstances.

HazelEyes_3

Hi This is very upsetting for all concerned but DON'T PANIC - that is exactly what these people want to happen.First of all are they actually baliffs rather than debt collectors? I thought that baliffs have to have a court order and if they are saying that your payment won't keep the matter out of court they sound like a Debt Collection Agency.There is lots of good advice on this forum about how to deal with DCAs - use the Search this Forum function near the top of the page.You should get a copy of your credit report to see how you have been linked with your dad's address - this can be done on a free trial basis via Quidco https://www.quidco.co.uk (don't forget to cancel before the trial ends).Good luck