My lodger is in terrible debt

GwylimT

While annoying don't worry about bailiffs, they can only remove your lodgers property, they cannot remove anything you own, people make out that bailiffs are horrible people, they aren't, they're just doing their job because someone decided they could spend someone elses money and not bother paying it back. I would just show ID if they asked, if you don't want to let them in it will get them away much quicker.

Now, you need to start the eviction process and sue for rental loses, do this as soon as possible.

ILW

GwylimT wrote: »

While annoying don't worry about bailiffs, they can only remove your lodgers property, they cannot remove anything you own, people make out that bailiffs are horrible people, they aren't, they're just doing their job because someone decided they could spend someone elses money and not bother paying it back. I would just show ID if they asked, if you don't want to let them in it will get them away much quicker.

Now, you need to start the eviction process and sue for rental loses, do this as soon as possible.

Probably need to use a baliff to get the money though

rozmister

bitemebankers wrote: »

Because bailiffs are scum and (s)he doesn't wish to assist them?

Yes absolutely every balliff is scum...especially the ones who are only working to put food on their tables and shoes on their children's feet. What terrible people doing a difficult and reviled job to earn a living - how disgusting. ¬¬

worried48

iolanthe07 wrote: »

Because it is bloody irritating, that's why.

Absolutely agree. I find the use of a plural to mean "one person of unspecified gender" extremely irritating. How much more so when gender has been specified!

matttye

*usually*, not always, when it gets to the point where bailiffs are instructed, it's because people have made no effort to pay and communication has been poor.

If people made the effort to contact their creditors and discuss matters, or at least attend court hearings (or respond to paperwork) and pay CCJ's as set by a judge, there's usually no reason why bailiffs will ever get involved.

I'm sure a lot of bailiffs lack understanding and are quite harsh, but think about the people they have to deal with on a daily basis and you might understand why. Slippery gits who make no effort to pay back their debts and try to worm their way out of it.

NOTE: I'm not saying every debtor is like that, or even the majority.

gazter

bitemebankers wrote: »

Because bailiffs are scum and (s)he doesn't wish to assist them?

Surely court bailiffs are enforcing debts agreed to by a court of law. They are not scum, but getting redress for people and organisations that have lent individuals money or not being paid in return for services.

Weird_Nev

Kick her out.
That will be the only major consequence of her financial ineptitude.

Accept you have lost the rent, and get a better lodger who actually pays.

spacey2012

Bailiffs will remove any property of value inside the building they get let in to .
The rightful owner has to jump through lots of legal hoops to get it back or it gets sold.
That's the reality, the police will not help.

Voyager2002

suchafankid wrote: »

I took on a lodger a year ago, she signed a tenancy agreement, paid deposit and months rent in advance as she had some financial support at the time. After some time she quit her job due to 'stress', she refused to apply for benefits or jobseekers for the time she was out of work and ran up rent arrears of around £1000. When she finally got a new job she failed to pay the rent on a number of occasions and is now in £2000+ arrears, I would rather she didn't move out as it means she is less likely to pay this.

Recently we had a visit from some bailiffs, she claimed it was for a fine years ago and apparently sorted it however I have recently found out (from going in her room to retrieve items she borrows and seeing letters) that she owes at least £700 to Wonga and has been approved for a £5000 loan at my address, I am concerned there may be other loans I am not aware of and that more bailiffs will come knocking, I have an anxiety disorder and find it very distressing when they do.

Is there any way I can find out if there are any outstanding loans registered at my address?

I doubt she would be honest if I asked as she never has been before. Thankyou in advance
:money::money:

Fact: you will never, ever see a penny of the money that she owes you. The longer that she remains in your room, the greater the amount she will owe (and not pay) and so the greater your total loss. Taking her to court would cost you money, and of course the court cannot make her pay money that she does not have.

Her other debts are none of your business; will not affect your credit rating; and really should not cause you any concern. You should not allow bailiffs to enter your property, and to reduce the stress of such a visit I do suggest that you show ID (keep an appropriate document hany near the door) to make them go away.

It is sad to think of anyone being made homeless after losing their job. The responsibility for helping such people is shared across society: we pay our taxes, and that funds benefits for those who fall on hard times. You have already paid your taxes, and in addition have waived rental amounting to two thousand pounds. I think that you have already done more than enough to help her.

An additional point: I don't think I would want to share my house with someone who often borrows things and forgets to return them.

Tirian

I agree with the above. One small additional point - if you are hoping that the £5000 loan will come through and she'll then pay you some rent, don't pin your hopes on that either.

Being "approved" for a loan is in no way the same as getting it. Plenty of loan companies send out this bilge to everyone on their mailing list. What it means is they are "approved" to apply for the loan, not that they will get it. And frankly, most lenders in that league will take one look at a credit report with a £700 Wonga loan on it and place the application straight in the "no" box.