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Debt collectors, ex girlfriend, my house
snickpan
Posts: 168 Forumite
She moved out 3yrs ago, I have a big stack of mail but no forwarding address, although I know the shop where she works. Debt collector called for her today, I suspect she has run up multiple debts. Could this affect me in any negative way? I don't think they accept work addresses, but I'd like them to catch up with the old bat!
What options do I have
What options do I have
0
Comments
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You know.... how dare she use my address, and all that1
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If you're not forwarding the mail then surely you should just return all the mail as "not at this address", how else are they not going to know she's there?2
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Are you saying that she is currently using your address to take out credit? It could be that these are old debts from when she lived there that are being chased.
As for the letters, probably best to stick them straight back in the post "not known at this address".🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
If the shop is local, I'd take the whole lot there (making sure there's some customers in) dump it on the counter and loudly tell her that a debt collector's been round and you'll be sure to send him/her to this shop on the next visit . Failing that, as others have said, chuck it back in the post with address not known/the shop's address.
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Debts are tied to individuals, not addresses, so it makes no odds either way.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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I messaged her on Facebook 2 months ago that it might be time to update the companies with her new address, she replied with a thumbsup, and blocked me! Her mail dried up for a while, I assume she paid to have it rerouted, then it started arriving again, followed by that debt collector.
Relieved that it won't affect my address, I'll just write GONEAWAY on everything now.
Thanks everyone1 -
I think you can disassociate on equifax etc, I had to do it with my debt laden ex wife.Baby Step 6/7 . £15000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
Currently Negotiating with HMRC !1
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