We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
Help: what impact will this have on MIL?
katini
Posts: 197 Forumite
in Credit cards
I have tried searching the forums for an answer to this but didn't find anything so apologies if someone else has already dealt with this.
My BIL(to be) is unemployed having been out of work since October 2010 when he broke his back. He moved back in with his mother, step-dad and half brother after an operation to repair the fracture and was claiming approx £60 per week in SSP. Having had enough of living at home, he decided to move back down south and try to find work again, signing himself off of medical care and therefore unable to claim SSP any more.
The person he rents a room off is claiming various benefits for both himself and a phantom person who doesn't actually live there so BIL is apparently unable to visit a local doctor and get signed off again because he can't claim any sort of benefits in case the landlord gets "found out".
Before he left his mother's he was able to apply for a credit card in branch with Santander with a credit limit of £3000, registered in his name to his mother's address. The statement has arrived today and he's taken all of the money out of the account from ATMs over the course of 3 weeks. He unfortunately gambles and drinks, but won't seek any sort of help, and it is likely that most of the money that he has taken out of the ATMs have gone that way. He argues that gambling is the only way he can get himself "out of a hole" and when he doesn't win he ends up in the pub. This is how he ended up falling downstairs and breaking his back originally.
There are a whole load of issues here but what I want to know is how this credit card being registered to his mother's address will affect her and her family if he is non-resident. He clearly will not be paying his minimum payment and therefore the debt will increase and he will be charged late penalties. Is there any way that Santander can be informed that he doesn't live there? His mum is very reluctant to do anything that will get him into trouble but also does not want bailiffs knocking at their door and moreover doesn't want to have to pay the credit card balance for him. I don't think that she would inform debt collectors of his new address because she wouldn't want to get him in trouble. Can anything be done before it gets to that stage?
If he runs out of money completely then he will have no where to live. None of us want to end up having to have him living with us because he won't stay off the drink and becomes very violent when he doesn't get his own way. He's 34 years old.
Any advice re: the credit card that you can give will be very much appreciated. It's something that's causing a lot of stress to all of us at the moment.
My BIL(to be) is unemployed having been out of work since October 2010 when he broke his back. He moved back in with his mother, step-dad and half brother after an operation to repair the fracture and was claiming approx £60 per week in SSP. Having had enough of living at home, he decided to move back down south and try to find work again, signing himself off of medical care and therefore unable to claim SSP any more.
The person he rents a room off is claiming various benefits for both himself and a phantom person who doesn't actually live there so BIL is apparently unable to visit a local doctor and get signed off again because he can't claim any sort of benefits in case the landlord gets "found out".
Before he left his mother's he was able to apply for a credit card in branch with Santander with a credit limit of £3000, registered in his name to his mother's address. The statement has arrived today and he's taken all of the money out of the account from ATMs over the course of 3 weeks. He unfortunately gambles and drinks, but won't seek any sort of help, and it is likely that most of the money that he has taken out of the ATMs have gone that way. He argues that gambling is the only way he can get himself "out of a hole" and when he doesn't win he ends up in the pub. This is how he ended up falling downstairs and breaking his back originally.
There are a whole load of issues here but what I want to know is how this credit card being registered to his mother's address will affect her and her family if he is non-resident. He clearly will not be paying his minimum payment and therefore the debt will increase and he will be charged late penalties. Is there any way that Santander can be informed that he doesn't live there? His mum is very reluctant to do anything that will get him into trouble but also does not want bailiffs knocking at their door and moreover doesn't want to have to pay the credit card balance for him. I don't think that she would inform debt collectors of his new address because she wouldn't want to get him in trouble. Can anything be done before it gets to that stage?
If he runs out of money completely then he will have no where to live. None of us want to end up having to have him living with us because he won't stay off the drink and becomes very violent when he doesn't get his own way. He's 34 years old.
Any advice re: the credit card that you can give will be very much appreciated. It's something that's causing a lot of stress to all of us at the moment.
0
Comments
-
Hi,
Sorry to hear about your worries. I am no expert, but I think you will find that credit records are held by the person and NOT by the address. Your mother has no need to worry that she will be implicated.
It sounds as if your brother is in a downward spiral. Do not attempt to pay his debts, as he has to reach rock bottom before he will see reason (assuming he ever does) and seeks help for the gambling and alcohol addiction that are ruining his life. It is very hard to stand back, but I`m afrais only tough love, or allowing him to crash will work at this moment. Emotional support when he seeks it, is all you can provide.
Sorry to sound harsh, but my family have been there with my dad - he killed himself with the drink, still insisting he did not have a problem.Debt September 2020 BIG FAT ZERO!
Now mortgage free, sort of retired, reducing and reusing and putting money away for grandchildren...0 -
Return any correspondence ,addressed to him, to sender, marked "no longer living at this address, current address unknown" - DON'T OPEN ANY ENVELOPES!!0
-
brewerdave wrote: »Return any correspondence ,addressed to him, to sender, marked "no longer living at this address, current address unknown" - DON'T OPEN ANY ENVELOPES!!
Totally agree. This is the best solution, maybe seek some avice from a CAB too.:j:):jI am a bankruptcy survivour (10 years ago). It does get easier.:j:):j
:hello:
0
This discussion has been closed.
Categories
- All Categories
- 345.8K Banking & Borrowing
- 251K Reduce Debt & Boost Income
- 450.9K Spending & Discounts
- 237.8K Work, Benefits & Business
- 612.7K Mortgages, Homes & Bills
- 174.3K Life & Family
- 251K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards