Lowell Portfolio chasing my son at my address

adviceappreiciated

Hello everyone

I would really appreiciate some help and advice. My son went through a really difficult time 3 years back (which I wont go into the full details), but basically left the UK to live in Czech Republic. He left quite a few debts behind, including his house that was repossessed. I own another house which is currently empty but will be hopefully tennented by December, and about a month ago letters started arriving there addressed to my son.

I opened these letters and they were from Barclaycard and from Lowell Portfolio 1, saying they had purchased £8500 debt from them last year. My first thoughts were how stupid purchasing £8500 worth of debts from a person who had left the UK 2 years previously. My son informs me he has several defaults and 3 CCJ's and was under the impression all his debt was written off.

I am 65 years old, not in the best of health and worried that this Lowell company will try and associate me with my sons debt. I am also livid that they have wrote to him at an address he has never lived at, although as my ex mothers house, I have owned for 10 years. If for example I had a couple or family move into the house, what would happen if they kept pestering him to pay the debt back, or worse still sent bailiffs??

I do not really want to speak to these people, but I realise I will have to contact them. Can I do this in a letter? Also can I make it clear that my son is not only not residing at this address but not even in the country? Will I have to forward them the details I have of him in the Czech Republic? Could they catch up with him over there?

Thank you in advance

sharpy2010

You don't have to write to them, but expect more letters if you don't.

So, I'd write to them, saying something like this: "Dear Lowell Portfolio, the person named in the letters you are sending does not live at the address you have sent letters to. I request that you now stop all communication to the address *XYZ*. Should you not do this, I will deem it personally harassing, and will forward your details to the police. Yours faithfully, adviceappreciated."

And just leave it at that.

No need to give further details.

Hope that helps

chanz4

shouldnt be oppening the mail, instead returning them as never lived here. He will then have a gain flag logged against him

Curr946

Its also possible that your son, used this address for other mail, or they have just done a wide search using the surname. I got a letter once from a debit company for some with my name. I called and explained who I was and asked what this debit was for... they advised me that i was not the person they were looking for so could not go into details lol. Never hears anything since.

adviceappreiciated

Thanks for advice so far. So should I just forward any future mailings unopened do you think?

Big_Alf

Can only echo what has been said here, dont panic, mark the envelopes 'NOT AT ADDRESS RTS' scribble out your address and put it in the post.

This will probably just arrive back with some admin person at the debt sharks who will flag it and delete it from the system.

adviceappreiciated

Thanks. I guess i'll wait for the next letter then and do nothing until then.

Tixy

If you have the same name as your son (or very similar) then it might be worth double checking your credit file to check that they debt collectors haven't put details of his accounts on your file in error - they shouldn't obviously as your dates of birth will be years apart but it does happen occasionally.

Hazzinho

Just return to sender. There is nothing they can do as it's not your debt. I used to get these for formers tenants they just send out scary letters to try and get the people they're after to pay.