Me and my boyfriend have recently bought our first house. Since we moved in we have been receiving letters from a solicitors for the previous owners and phone calls saying the baliffs will be round. We have tried explaining we are not these people but they aren't listening. What can we do? Will this affect our credit rating?
2007-03-28 00:42:54 · 10 answers · asked by Em 1 in Business & Finance ➔ Credit
Any letters addressed to the previous owners should be returned unopened marked 'gone away'. If you have been opening their letters and keeping them, then the senders probably think the letters have reached the right person and that is one reason they are chasing you. It is illegal for you to do this - interfering with the Royal Mail.
Can only suggest you write a very clear letter to the creditors, maybe send a copy of a Council Tax or utitlity bill in your name to prove you now live there.
2007-03-28 00:48:57 · answer #1 · answered by fengirl2 7 · 0⤊ 0⤋
the same thing happened to us, the young son of the previous owners had an unpaid overdraft and was basically still using our address to get new mobile phones, etc. We got a bailiffs letter and called them straight away. If any of the letters say -DO NOT IGNORE THIS LETTER - then you must open them and call them or they will come round. Lucky for us it was the Bank of Scotland and Orange so they where happy that we where not the people involved. Make sure you send proof in writing of who you are and when you moved into the house (a solicitors letter will suffice). We also had a phone number to call the previous owners from when we where buying the house so in the end we just range them up and told them what there son was doing and they sorted it out.
2007-03-28 00:59:41 · answer #2 · answered by Anonymous · 0⤊ 0⤋
It will not affect yours and your chaps credit rating as its all based on the individual person. You will have to phone and write to the people who are contacting you and explain that this person has left and you do not have any forwarding address. They will get the message but may take a while. Don't worry about the bailiffs as they can not enter your property anyway as that person doesn't live there if they did turn up. You just have to keep on at them and return all letters addressed to the previous people.
2007-03-28 00:48:03 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Well, before you purchased the house, you should have made sure that the TAXES are current. If the previous owners were behind in their mortgage, this could very well be the case. Unfortunately, the property taxes stay with the property and do not go with the people. So, the current owners (you and your bf) would now be the repsonsible parties. Check with your county recorder in order to begin investigating.
Good luck!
2007-03-28 02:34:29 · answer #4 · answered by YSIC 7 · 0⤊ 0⤋
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers!
2007-03-30 03:23:17 · answer #5 · answered by gabriel jones 4 · 0⤊ 0⤋
It should not affect your credit rating if they do there job properly, but 6 years on I am still getting threatening letters, Shrug it off now but at the start very frightening, Good luck
2007-03-28 03:38:43 · answer #6 · answered by Janet C 2 · 0⤊ 0⤋
Actually yes it can but you can sort the problem out by declaring non association, get a credit check by for example the company in the link, they should cost no more than a couple of pounds anyone who asks for more is ripping you off. They also give in the credit report some good advice about sorting out issues.
2007-03-28 00:57:18 · answer #7 · answered by pete m 4 · 0⤊ 1⤋
my daughter had the bailiffs come for her washing machine she explained to them and showed id they went away with nothing. that didn't stop her getting a morgage and moved I had a letter from a debt collector I phoned explained I owed nothing they investigated and Received an apology if the debt is not yours don't worry
2007-03-28 02:27:20 · answer #8 · answered by susan will of the wisp 4 · 0⤊ 0⤋
credit travels with the person, not the house.
2007-03-28 00:46:05 · answer #9 · answered by Anonymous · 0⤊ 0⤋
not unless these people have your social security numbers and if they do I would want to know how they got your information.
2007-03-31 13:05:45 · answer #10 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋