Debts are owed by the individual(s) who signed the credit agreement.

Their family doesn't owe the debt - unless they signed the agreement in joint names or acted as a guarantor.

A debt collector calling at the house shouldn't be discussing their business with anyone else - really they shouldn't be identifying themselves at all.

Put a complaint in writing and give it to any visitor, You should either forward mail addressed to your relative to them or return it unopened to the company which sent it.

Someone else's debts shouldn't have an effect on your credit rating. If you are worried you can get some further advice on that from www,experian.co.uk or www,equifax.co.uk.

If your relative wants advice on the best free way to deal with debt, they can call Debt Advice Foundation by clicking on my name.

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