Debt letters for someone who no longer lives here

anonymous13

I have been getting letters from creation finance for about 1 year now for a member of my family who moved out 3 years ago for a debt they says they are paying. They’ve  told me they’ve  set up a payment programme with them and only has £30 left to pay and has told them they’ve  changed address but they are still sending letters saying they owes them £300+ I have sent so many letters back with return to send on them but they’re still coming. 3 in one day a few weeks ago! 

How can I stop this because it’s got my anxiety through the roof. The latest letter had a number on and I’m tempted to ring it but scared I’ll make things worse and if I communicate with them they will just see it that I will end up paying it to get them of my back or something. 

I dread the post and seeing another letter from them! 

[Deleted User]

anonymous13 said:

I have been getting letters from creation finance for about 1 year now for a member of my family who moved out 3 years ago for a debt they says they are paying. They’ve  told me they’ve  set up a payment programme with them and only has £30 left to pay and has told them they’ve  changed address but they are still sending letters saying they owes them £300+ I have sent so many letters back with return to send on them but they’re still coming. 3 in one day a few weeks ago! 

How can I stop this because it’s got my anxiety through the roof. The latest letter had a number on and I’m tempted to ring it but scared I’ll make things worse and if I communicate with them they will just see it that I will end up paying it to get them of my back or something. 

I dread the post and seeing another letter from them! 

1, dont open mail not addressed to you! 

2. Write "not at this address" on the envelop pop back in a post box and forget about it 

Yahoo_Mail

_shel said:

anonymous13 said:

I have been getting letters from creation finance for about 1 year now for a member of my family who moved out 3 years ago for a debt they says they are paying. They’ve  told me they’ve  set up a payment programme with them and only has £30 left to pay and has told them they’ve  changed address but they are still sending letters saying they owes them £300+ I have sent so many letters back with return to send on them but they’re still coming. 3 in one day a few weeks ago! 

How can I stop this because it’s got my anxiety through the roof. The latest letter had a number on and I’m tempted to ring it but scared I’ll make things worse and if I communicate with them they will just see it that I will end up paying it to get them of my back or something. 

I dread the post and seeing another letter from them! 

1, dont open mail not addressed to you! 

2. Write "not at this address" on the envelop pop back in a post box and forget about it 

Don't bother sending them back, they won't pay any attention to it. Just bin them.

MalMonroe

I would do as _shel said.

Do not open mail that isn't addressed to you.

Cross out the name and address on the front and make sure there is a return address somewhere on the envelope so you can then write in block capitals : 'Please return to sender, no longer at this address' on the front, that should work. It has for me, in the past when I've moved house, anyway.

I would also have a word with that particular member of my family and ask them to contact the company to advise of their change of address. It isn't fair to you for them to not have done this, as it's causing you a lot of anxiety. 

Hasbeen

anonymous13 said:

I have been getting letters from creation finance for about 1 year now for a member of my family who moved out 3 years ago for a debt they says they are paying. They’ve  told me they’ve  set up a payment programme with them and only has £30 left to pay and has told them they’ve  changed address but they are still sending letters saying they owes them £300+ I have sent so many letters back with return to send on them but they’re still coming. 3 in one day a few weeks ago! 

How can I stop this because it’s got my anxiety through the roof. The latest letter had a number on and I’m tempted to ring it but scared I’ll make things worse and if I communicate with them they will just see it that I will end up paying it to get them of my back or something. 

I dread the post and seeing another letter from them! 

Perhaps handing them over to your family member. Who you are still in contact with for them to deal with it is the way forward?

prettywowers

It's got nothing to do with you. Ignore. Move on. Why is it so difficult for people to grasp this concept? Why get all stressy about it? Nuts.

cymruchris

If it's a member of your family who is 'dealing with it' - ask them to call the debt collectors and update the address to where they are staying now. That should stop all letters to you, and the related stress as a result. If they are really 'dealing with it' as they claim, they won't mind completing this small request to make your life easier. If they decline to do it, it may be that they aren't 'dealing with it' after all - and so I'd then go back to putting them back in the post box with return to sender on them.

KatrinaWaves

cymruchris said:

If it's a member of your family who is 'dealing with it' - ask them to call the debt collectors and update the address to where they are staying now. That should stop all letters to you, and the related stress as a result. If they are really 'dealing with it' as they claim, they won't mind completing this small request to make your life easier. If they decline to do it, it may be that they aren't 'dealing with it' after all - and so I'd then go back to putting them back in the post box with return to sender on them.

Personally I’d get them to do it whilst I was there. I’d go round and hand them the bloody phone. 

anonymous13

prettywowers said:

It's got nothing to do with you. Ignore. Move on. Why is it so difficult for people to grasp this concept? Why get all stressy about it? Nuts.

Excuse me? I “get stressy” about it because I’ve had years of paying my exes debt that he left me with which brought a lot of misery to mine and my child’s life. So excuse me for asking for advice because I don’t want it to happen again. This was my first post on this forum because I thought it would be helpful. And this will be my last 👋 

macman

But the letters were not addressed to you. Why did you even open them, and what do you think would happen? 
If debt collectors did turn up, they have no right of entry anyway, and as long as you could show that the person in question no longer lives there, and that you were not that person, they would then leave.
Presumably your exe's debt was joint debt also in your name, so an entirely different situation, as you were jointly liable for it. You have no liability otherwise for your exe's debts.
Credit history is linked to individuals, not properties.

prettywowers

anonymous13 said:

prettywowers said:

It's got nothing to do with you. Ignore. Move on. Why is it so difficult for people to grasp this concept? Why get all stressy about it? Nuts.

Excuse me? I “get stressy” about it because I’ve had years of paying my exes debt that he left me with which brought a lot of misery to mine and my child’s life. So excuse me for asking for advice because I don’t want it to happen again. This was my first post on this forum because I thought it would be helpful. And this will be my last 👋 

You need to learn to help yourself. Opening up mail that has nothing to do with you then getting upset about it is just silly. 
Throwing your toys out of the pram when told this is even more silly. You really need to get a grip.