How you can deal with debts not in your name
There are a few different scenarios to consider when you’re being chased for someone else’s debt. How you deal with this unwanted contact may vary, depending on which scenario applies to you.
I’m getting letters addressed to a previous resident of my home
When a person moves home they should update their creditors with their new address. This doesn’t always happen, or there may be a delay while their creditors update their records. The important thing is that you are NOT liable for debts owed by someone who lived in your house before you.
In this scenario, simply write ‘not at this address’ on the envelope and put it back in the post box. This doesn’t require a stamp and the Post Office should return the letter to the sender. This might be enough to stop further contact. If you do continue to receive letters, you can then send a written complaint to the company.
There’s a chance that if this debt is passed on to a collection agency you may start receiving letters again. If this happens, just repeat the process and the letters should stop.
If you receive letters that look like they’re from a bailiff or county court, don't ignore them. Call the court or bailiff and let them know the previous occupant no longer lives at the address.
You’re not legally obliged to provide proof that you’re the current resident of the property. However, you can offer to send a photocopy of your council tax bill to the court or bailiff to prove that the person they’re looking for is no longer a resident. Doing this should prevent further contact.
A bailiff or debt collector has visited or plans to visit my home over someone else’s debt
Should a bailiff (or a sheriff officer if you live in Scotland) visit the property to take control of goods for someone else’s debt, we recommend that you do not let them in. Instead, you can either communicate with them via your letterbox or ask them to go to the end of your driveway where you can talk at a safe distance from your front door.
Showing the bailiff your council tax bill to prove your identity is usually enough to make them leave. They cannot legally take goods that the person they’re pursuing doesn’t own. If they’re within viewing distance of a window, you can put your council tax bill against the windowpane for them to see.
If the bailiff refuses to leave, you can consider making a complaint about them.
If a debt collection agent visits, please keep in mind that they are not bailiffs and don’t have any right to enter your house and seize goods. Just as with a bailiff, you can tell the agent via your letterbox that the person they’re pursuing doesn’t live there. Visits from debt collection agents tend to be more implied rather than something a collection agency resorts to, as sending agents to a property costs more to the agency.
I’m getting phone calls or text messages from a creditor looking for someone else
If someone calls your number looking for payment on someone else’s debt, make them aware of this and ask them to stop contact by telephone immediately. If they keep contacting you, then you can make a complaint in writing. Many mobile phones have a number blocking feature that can help.
Sometimes you may receive text messages from a creditor pursuing a debt. We recommend that you don’t respond to these kinds of text messages, and block the number if the debt isn't yours.
I’m getting letters addressed to a family member or friend
Sharing an address with someone does not make you liable for their debts. You can only be liable for debts which are in your name, or in joint names with you and someone else.
Many people with no fixed abode may use a family member or friend’s postal address to receive mail. Again, having a person using your address for post doesn’t make you liable for their debt. You should still make the person aware of the post that you’re receiving and urge them to get debt advice.
If the person being pursued for the debt is vulnerable or otherwise unable to deal with it, you may be able to deal with their debts on their behalf. This is called power of attorney, and it does not make you liable for that person's debt.
I’m getting letters for a guarantor loan I signed for someone else
When you apply for a guarantor loan on behalf of someone else, you’re agreeing to make any payments towards that debt should the person fall behind or be unable to pay. You may have started receiving the letters because that person is behind on payments, and you're now expected to cover the amounts they’ve missed.
Speak to the person you took the loan out for and make them aware that you’re now being asked to make payment. If they’re unable to make payment, you’ll need to deal with this debt as if you took it out for yourself. It’s important that you don’t ignore letters about a guarantor loan you’ve taken out.
I’m getting letters for a joint debt I have nothing to do with
Quite often a person may agree to a joint loan with a partner but have very little to do with that debt, other than have their name on the credit agreement. Should your partner or ex-partner reduce or stop payment on this debt the creditor is allowed to pursue you for payment because you’re ‘joint and severally’ liable.
This means that the creditor can pursue either of you for the full amount. Both of your credit ratings will also be affected by any reduced payment on a joint debt, and if one person goes bankrupt, or takes on any other type of insolvency solution such as a DRO, IVA or trust deed, the other becomes solely liable for any remaining balance.
I’m getting letters for a deceased person who still has debts outstanding
When a person dies, their debts will be settled from their estate (the money and assets they left behind). If their estate is not enough to clear the debts, the remainder will usually be written off. If you’re administering the person’s estate, you are NOT liable for their debts, unless you don't administer the estate properly, such as by making distributions to beneficiaries before settling the debts.
The only other exception to if any of the debts were in joint names with you and the deceased person. Sending a copy of the person’s death certificate to the creditor may be enough to end further contact.