Rude debt collector at door for PREVIOUS tenant

Moved in 2 months ago, had a relative around who opened door to go to shop to find someone in doorway just standing there and gave a name, I recognised it as former tenants name who was in care for months before passing away,

Person had no id, wore no identifying uniform and I came down and he asked about the Scottish Power debt owed, who were we, how long I lived here and multiple times asked for my "details" which I refused to give.

He then asked for proof I had an active account with SP so he could "close the debt" and for a tenancy agreement to prove I moved in when I said etc.

I refused and said he could check with the HA and ask neighbours, he then asked for a "passport or driving license" and I said I had neither and he gave me one of those "really" looks and asked again "are you sure you don't have them"

I gave him a false name and number and let him leave.

I am in Scotland by the way,

Annoyed but is there anything else to be done in case this jerk comes back.

Replies

  • edited 21 October 2022 at 11:26AM
    sourcratessourcrates Forumite
    26.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    edited 21 October 2022 at 11:26AM
    Debt collectors have no power to demand anything, or enter your property, there rights are exactly the same as yours or mine.

    You do not have to engage with him at all, as it`s not your debt, stick to your story should they come back.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
  • bargainbettybargainbetty Forumite
    3.5K Posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite
    If there was a death notice of the former tenant in any local newspaper, print a copy of it and hand that over. Not your deceased person, not your debt. 
    Some days, it's just not worth chewing through the leather straps....
    LB moment - March 2006. DFD - 1 June 2012!!! DEBT FREE!



    May grocery challenge £45.61/£120
  • EssexHebrideanEssexHebridean Forumite
    16.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    If he returns I'd suggest not bothering to go down the line of telling him you "don't have" anything he asks for - instead tell him you're not giving him anything at all, that he had precisely no right to to ask, that you have told him you are not the person he is looking for, and that he now needs to go away and stop harassing you. Ask HIM for his name and a card for the company he represents as soon as he shows up. 
    🎉 MORTGAGE FREE 30/09/2016 🎉
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    2023 "Gym Neutral Fund" - £11.87/£280 (Membership taken 01/2/23)🏋🏻♀️ 2023/24 Gym cost per use: at 01/02/23 £280.00 per visit! (1) 🏋🏻♀️
    she/her
  • TripleHTripleH Forumite
    2.8K Posts
    1,000 Posts Fourth Anniversary Name Dropper
    Forumite
    Agree with EssexHebridean, ask for ID straight away. If none is offered, say nothing.
    For all you know, it could be anyone being a nosey so-and-so.
    If you find a death notice online for the former tenant, give any confirmed debt collectors that website detail and nothing else, you're not a paid investigator for them.
    May you find your sister soon Helli.
    Sleep well.
  • sourcratessourcrates Forumite
    26.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    It`s really simple, it`s not your debt, and you are not the debtor.

    This is nothing whatsoever to do with you, the onus is on the DCA to trace the correct debtor and their new address, you don`t have to say, do or prove anything.

    No more to be said.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
  • lordmountararatlordmountararat Forumite
    201 Posts
    100 Posts Second Anniversary
    Forumite
    This happened to me shortly after I moved into a new house. The previous occupant had died (suicide) leaving large debts, and debt collectors kept coming to the door. The problem is that they think you're lying (perhaps quite a lot do lie) and are very persistent. In the end I did show them my passport just to get rid of them. Sometimes it is easier to go with the flow!
  • diystarter7diystarter7 Forumite
    4.1K Posts
    1,000 Posts First Anniversary Name Dropper
    Forumite
    Even when seeking an ID as stated here by others, take it with a pinch of salt as there are fake ones around,
    Look up the ID on the net and give them a call on the number you find and not the one on their ID etc
    If they are genuine, they won't mind if you tell them you are worried as they may not be genuine.

     ..

    Before you spend, remember the 
    MSE Money Mantras. Ask yourself, do I need it? Can I afford it? If the answer is NO to any of those questions, DON’T buy it.  (Quote from MSE  15/11/22)


    Politeness & courtesy are some of the few things in life that are free. Please remember that when posting, I may ignore permanently the unpolite, tedious, unconstructive and deliberately obtuse comments. Many thanks.
  • EssexHebrideanEssexHebridean Forumite
    16.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Even when seeking an ID as stated here by others, take it with a pinch of salt as there are fake ones around,
    Look up the ID on the net and give them a call on the number you find and not the one on their ID etc
    If they are genuine, they won't mind if you tell them you are worried as they may not be genuine.

    Absolutely do NOT make contact by telephone if the debt isn't your OP - keep this very simple indeed. "No, I'm not that person. I believe they died. I can't help you any further, now please please immediately." 
    🎉 MORTGAGE FREE 30/09/2016 🎉
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    2023 "Gym Neutral Fund" - £11.87/£280 (Membership taken 01/2/23)🏋🏻♀️ 2023/24 Gym cost per use: at 01/02/23 £280.00 per visit! (1) 🏋🏻♀️
    she/her
Sign In or Register to comment.
Latest MSE News and Guides

Glitch hits Nectar bonzana

Did you miss out on bonus points?

MSE News

Ask an Expert: Scams

Watch MSE Katie's answers to your questions

MSE Forum

Hot Diamonds 40% off code

Including already-reduced outlet stock

MSE Deals