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Son's debts probably coming to my door

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  • elsien
    elsien Posts: 36,060 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Basically summarised as debt collectors are all mouth and no trousers.
    Bailiffs & Debt Collectors. The Difference? StepChange
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • sourcrates
    sourcrates Posts: 31,593 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 7 February at 5:38PM
    There is a very long and rocky road from defaulting on a debt to a bailiff knocking on your door.

    The only debts likely to be worthy of such action would be Council tax debts, and possibly any individual with a grudge.

    Commoner garden consumer credit debts will never use that option, as its an added cost, with no guarantee of recovering the money.

    Bailiffs must give seven days notice of attendance in writing, they can also charge statutory fees, which you would not be liable for as you are not the debtor.
    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-letter
  • artyboy
    artyboy Posts: 1,611 Forumite
    1,000 Posts Third Anniversary Name Dropper
    edited 7 February at 5:47PM
    Just to add, you mentioned 'parking fines' - there is a big difference between actual council issued penalties (for parking on public roads) and the nasty private firms that prey on people in car parks etc. The latter is entirely a civil contractual issue and nothing criminal/prison related can come from it. And a lot of those firms send a lot of threatening letters but otherwise don't actually do anything. It would take a county court judgement against your son before any bailiffs can legitimately visit, whatever the letters might say. And even then, they can only seize things that are his, they can't take your possessions.

    I know it's probably just one thing of many, but there is a sub-board on here relating to parking tickets (under the Motoring board) that would be worth a look at.
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