bailifs - urgent help required

likklegemz

Hi guys I urgently need some help, and I dont know who to turn to.

About 2 years ago, I bought my house with my husband, my dad and his wife (my step mum) where having a rough time and split up andI let my dad stay with us for about 6/7 weeks.

Needless to say it's destroyed what little relationship I had with my father. He was absent most of my childhood and we only got back in touch when I got married 5 years ago to my husband as like every girl, I wanted my dad to walk me down the aisle.

Anyway, within about 7 weeks, we'd had a few rows, he owed me mum and we had a massive row on what was his last night with me to which I ended up throwing him out.

I've hardly seen him since.

In the past 12 months I've been hounded by debt collectors. I've told them repeatedly that he doesnt live here, it stops for a while then starts again.

I've had no letters from them since November, and today I've come home and my neighbour has said, they've had a phone call asking was anyone in as they had a parcle to deliver to my address. I've had a few parcles go missing over Christmas (which I complained to Royal Mail) which is why he said, that he was in all day and could drop it to them.

Thing is I've got no parcles that are coming (and I've checked with my husband) and he's got none coming either.

The kept asking does Mr x x x live here - as my husband works away in the week he at first said yes, then realised that it wasnt my husband when they mentioned my dad's name. They kept pushing him does he live here, in the end he said if you've got a parcle to deliver I'm in and hung up

What's the chance of this being a bailfif? It seems high to me but I may be worrying for nothing. I'm sick of it all and dont know what to do.

I just want it to all go away. I'm only worried as my husband and I are going on holiday on MOnday (which took us forever to save - a romantic break after 2 years of living apart due to work) and I'm scared that they could break in whilst I'm away.

Our house has a mortage to us, all the bills are in our name and I've got no connection to him! Can this stop us from applying for credit? Our fixed term mortgage has just ended and I want to refix but am scared that this could stop us.

What can we do?

Really sorry if this is in the wrong thread, but I've searched the forums and couldnt find the best place!

sniggings

they are just trying it on,they cant break in or anything like that,if they do call around dont let them in and once you tell them he doesnt live at that address and if they come back just call the police for harasment,they just still think he lives with you but once they understand he doesnt then it will stop.

the only way his debts will affect you is if you ever shared any accounts, loans, bank etc then you would have a link to your dad so then his debts would affect your credit but as you say you never had any together then it will be ok,bad credit does not relate to a house but a person so as your dad has moved so has his bad credit.

IF

Hi likklegemz, I would post your question on the DFW Board too as you will get more help and support there.

The Debt-Free Wannabe Board - Click here

Best wishes
If...x