Can we get information?

Seanymph

on someone else's borrowing or spending?

I don't know if this is the best board, but wondered if anyone here would be able to suggest anything?

I can give the gory details, but feel that will muddy the waters, so I'm not avoiding telling and will answer any questions at all - but fundamentally, if someone has been borrowing money, and spending it obviously - is there a way to check what has been borrowed?

de_g.

Who are they in relation to you, and why do you want to know? Aside from the practical, there is an ethical issue about trying to involve yourself in another's affairs without their consent.

Generally, a person's financial affairs are treated as sensitive personal information under the Data Protection Act and therefore anyone (person and organisation) giving those particulars to you without that person's permission would be breaking the law.

If you have court-ordered mandate to act on behalf of another person (such as a power of attorney) then you should be able to get the info if you provide proof.

Seanymph

It is my step daughter aged 18, she lives with her maternal grandmother who is getting visits from debt collection agencies (we don't think bailiffs yet, but she only has part information) because my SD has been taking out pay day loans and a telephone contract and not paying them.

We have concerns over where the money has gone too.

The grandmother (retired) went to the bank and guaranteed a loan so SD could consolidate debts two weeks ago after several visits from different agencies and she thought that was all that was owing - since then one more agency has arrived on the doorstep and SD says she 'forgot' that loan.

Her aunt has checked her room and it appears she has more 'approval this money is available to you' paperwork for people who have not been paid off with the consolidation loan, nor yet arrived at the house.

The family doesn't know if she collected this money or not obviously - if more agencies will arrive at the grandmothers house, or what exactly is outstanding.

My Step daughter has issues, and tells lies - causing considerable stress to her grandmother. Her father and I have become involved, as are SD's other family members. However, my SS is not co-operating and the grandmother whose house they are turning up at is exceedingly stressed.

It was a long shot, but I wondered if I could find a list anywhere of what she had borrowed so at least we could try and organise things so the grandmother didn't end up with bailiffs and court orders at her address.

We have no mandate to act.

de_g.

I'm a little confused - what is your stepson's role in this - or are the references to SS intended to be SD?

Other posters will be much better placed to advise about the best way to deal with the debt collection agencies (not bailiffs - they're different and have very different powers).

poppasmurf_bewdley

I thought the references to SS meant 'silly sod!'

Seanymph

Sorry, SS's should be SD's! I'll edit.

Grandma called them 'bailiffs' talking to my OH on the phone last night - but so far there have been no court actions, so I assume they are debt collectors from the Pay Day Loan Companies.