Helping out my Sister-in-Law

Rowly1310

Hi, my wife and I have finally convinced her sister to get out of a pretty unpleasant relationship where she's been saddled with debts (he's not worked or claimed benefits for a few years, just online games all day). She's going to come and live with us until she can get herself sorted (she has a 3 year old, who we love to bits). We've promised to help her out as best we can, but we don't yet know the extent of the debt problem, as Sis isn't the best with money! I've suggested getting a credit check, so we know what we're up against, but would anyone know - if she registers at my address, and it turns out she has a CCJ or an adverse credit rating, will that affect our credit history? If so, is there anything we can do to minimise the impact? We've committed to help her, and are prepared for the worse, but if we can mitigate the risk, it would be nice. Any help or advice gratefully accepted!

mel12

Should be fine as its done by person not address her debts won't affect your rating unless you have a joint account/loan etc with her

tigerfeet2006

Also phone someone like National Debtline with her and start by going through her options with them.

NeverAgain_2

It's unlikely, but bailiffs could eventually become involved to seize the sister's goods.

The OP needs clear records about who owns the items in his house.

Rowly1310

Thanks all - some really useful advice. Better start getting the room ready - think my place is going to get a bit crowded for a while!