Brother keeps borrowing

downwithmonarch

My 22 yr old brother currently lives at home with my parents and has twice now gone into his overdraft which once it hit the limit my parents have bailed him out. He lost his job due to illness and while he now gets disability payments he continues to spend over his means. My mother has now seen on his bank statement a loan from a payday lender and is worried about bailifs turning up on the front door. Does anyone have any advice for how to deal with this? I've tried talking to him but it just seems like no one can get through.

Pixie5740

My brother is similar. He ran up a lot of debt whilst at university which my parents paid off for him and regularly lend him £100 here another £100 there and he's now 30 years old with his own family. I told my mum that by constantly bailing him out she is enabling him but she got upset so I never raised it again.

Anyway, if it gets to the situation where bailiffs do turn up to the house (not debt collectors but proper court appointed bailiffs) they can't start taking your parents' possessions to cover your brother's unpaid debts.

I understand your mum's concerns but maybe it's time this little birdy flew the nest b

K0SS

downwithmonarch wrote: »

My 22 yr old brother currently lives at home with my parents and has twice now gone into his overdraft which once it hit the limit my parents have bailed him out. He lost his job due to illness and while he now gets disability payments he continues to spend over his means. My mother has now seen on his bank statement a loan from a payday lender and is worried about bailifs turning up on the front door. Does anyone have any advice for how to deal with this? I've tried talking to him but it just seems like no one can get through.

Firstly, you need a court order to get bailiffs to go to a property. It is a legal requirement. Debt collectors can on the other hand come to the property provided you have invited them to come, and they must leave if you tell them to leave. Debt collectors have no rights to remove goods or demand payments, they can only turn up to make arrangements for you to pay. The pizza boy has more rights than a debt collector, if you remember that and tell them where to go you shouldn't have any problems. If they cause problems, call the police, stating there will be a breach of the peace if they don't turn up, because someone is making you feel, distress, alarmed and harassed.

Supplementary: http://www.legislation.gov.uk/ukpga/1986/64

Thrugelmir

Speak to your parents. Point out that unless your brother learns from the consequences of his actions that things will never improve. Nothing like experience for people to learn. However harsh it may seen.

27col

He is never going to change his ways as long as he knows his parents are going to bail him out. I know that, you know that, he knows that. Unfortunately, until his parents know that too, he is not going to change his ways.

Ed-P

He can get payday loan advice for his loans.

Ask your parents to maybe let him deal with this so he learns he cannot keep doing this.

thebritishbloke

FYI, even if they get a court order to seize 'his' assets, your parents can state that they actually own everything in their own home and they can't take anything at all as it's not their debt. Obviously they shouldn't lie, but I'm guessing they've bought him most of his things that he keeps in the house.