House-mate in debt will this 'affect' me???

ALSO_2

Hi,

I know that my house-mate has unpaid debts as he's receiving letters from 'capita returns management' on behalf of 'Equita', I am not 'snooping' the envelopes are translucent enough for me to see it!

Today he has received SIX letters, each one has a different amount outstanding so they must be about different things?

I can read through the envelope it says something about 'enforcement'.

I am 'worried' as we share the house together and my son lives here too (he is 18 my son).

what if he gets bailiffs coming round and my son opens the door? would the bailiffs make it clear who they are and who they are looking for? or would they just ask to 'come in' to have a word?

No I don't think my son would let anyone in just like that but he's a 'kind' young man and if 'deceived' he may do!

I have valuable things in the house which belong to me, I do not want to run the risk of bailiffs coming to see my housemate removing my things! our properties are not labelled as such, it is just us who knows what is mine and what is his! I have 2 televisions, my housemate has one, I have three valuable violins too, they are all mine..... you get the 'idea' right?

how should this worry me???

I am not sure I can bring up the subject with my friend to be honest


we do not share any bank accounts, the only thing where our names are down together is the tenancy agreement and the gas bill, the council tax is in my name.

thank you

PS I have a clean bill in regards to debts, I have never missed a payment towards anything in my life!

Tixy

Might be worth having a word with son just to say that if anyone does visit not to let them in the property, not to open the door to them.

Is your housemate reading his post as far as you know? Bailiffs have to give 7days notice before visiting - but one of those could be the notice.

Bailiffs do not take goods on the first visit. They really want the debtor to pay or arrange a repayment plan.

Bailiffs are not allowed to take goods belonging to anyone other than the debtor. If it does occasionally happen then you would need to contact the bailiffs to explain and get them returned. But obviously it is far easier to ensure they don't take them in the first place.

In this situation I would talk to your housemate. Perhaps just say that you have seen letters that look like they may relate to debts and recommend he seeks some debt advice from somewhere like national debtline. https://www.nationaldebtline.org/EW/information/bailiff-action/Pages/default.aspx

ALSO_2

thank you Tixy
I have spoken to my son, told him not to allow anyone to enter the house and if anyone 'is pushy' to call the police.

I think he does read his mail yes, though sometimes he can leave it unopened for a few days before he opens it....maybe he knows what the letters are and is not looking forward to open them....

Tixy wrote: »

Might be worth having a word with son just to say that if anyone does visit not to let them in the property, not to open the door to them.

Is your housemate reading his post as far as you know? Bailiffs have to give 7days notice before visiting - but one of those could be the notice.

Bailiffs do not take goods on the first visit. They really want the debtor to pay or arrange a repayment plan.

Bailiffs are not allowed to take goods belonging to anyone other than the debtor. If it does occasionally happen then you would need to contact the bailiffs to explain and get them returned. But obviously it is far easier to ensure they don't take them in the first place.

[Deleted User]

is there somewhere safe you can remove some/most of "your"valuables to?

ALSO_2

well, yes and no...I have a trusted friend (not in debt problems) but she's an hour drive away from me, not 'ideal' as I play my violins daily and what is the point of moving the telly if then I cannot watch it or the computer if I cannot use it

thank you for suggestion

woodbine wrote: »

is there somewhere safe you can remove some/most of "your"valuables to?

luckbox

Could you try and get it out in the open with your house mate? Maybe say you answered the phone and was told about their debts owed, something vague enough that the house mate might start talking?