Bailiff Advice

jason589

Hi,
Any help would be great,
I live with my mum and brother. My brother has over the past year ran up an incredible debt with various companies, lost his job and become a real problem for us. We have attempted to help him throughout the last year whilst he has got in to such a financial mess.
My mum is still allowing him to live with us (rent free) as she wants to help him get on the right track. As harsh as it sounds, I am of the view he just needs to leave and sort himself out. We have tried and tried (a year is a long time), each time he gets money, he blows it on the latest phone or clothes. He has not learned and he needs to learn the hard way. He has now (since loosing his job) resorted to taking out pay day loans to buy the goodies he wants. It is redicilous. He won't listen and becomes very rude and abusive if we try and speak to him about it.

My biggest concern is the mounting CCJs he is getting which I am finding screwed up behind his tv. The bailiffs will be due to come any day. I am most concerned for my mum and my own valuables. My brother has literally nothing as he has porned or broken everything he owns, but it is going to be very hard to prove what I own and what my mum owns, which is one of the reasons I have suggested he moves out so that we can provide the debt collection company with his new address. I just don't have all of the receipts I have. And from a bailiffs point of view, if he steps into my room, it looks like all of the treasures from the house have been stashed in one room.
We have tried helping him financially but it was the worst thing we could have done as it has allowed things to carry on for even longer.
We have also arranged bank appointments and CAB meetings all of which he has not bothered to turn up to.

Any advice on this would be greatly appreciated, mainly on what we can do with the valuables we own to ensure that we are not caught up in the mess he is in. It doesn't matter how many times, I say throw him out, he is my mum's son and she does not want to do it.

I am sure you all have your own opinions but I can honestly say we have tried everything with him and he will not reason. My mum has been too good to him in my opinion and it has done him no favours.
The money he owes is in the thousands and we are unable to now help him financially in paying this off.

HappyMJ

Don't let the bailiff in. Talk to the bailiff through the window.

How about you moving out? If your mum won't take the hard line and this is affecting you then you can move out.

jason589

HappyMJ wrote: »

Don't let the bailiff in. Talk to the bailiff through the window.

How about you moving out? If your mum won't take the hard line and this is affecting you then you can move out.

Thanks for your post. I have considered going, but I don't think she could afford all of the bills on her own. I have threatened to go a couple of times, and she has come down hard on him, but it never lasts.