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Blacklisting a family member from borrowing

2 months ago - Posted by

My closest friend has asked for advice on the possibility of stopping one of his son’s from obtaining any more on-line loans. He has no income and no way to pay, but uses the money to fund a drug habit.
Then the family are receiving final demands through the post.
As they have no previous knowledge of the loans (the lad lies to them), they are struggling to pay these debts on his behalf.
I suspect they can do nothing as he is not a minor (now aged 23).
But I thought I’d ask the experts.

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1 Answer

TAD Member

2 months ago


I am sorry to hear of your friends problems.

This may be a case where some hard love is required.

Unfortunately, there is no way to stop your friend’s son borrowing and if he is doing it to feed an addiction, it seems likely he won’t stop until he addresses that underlying problem.

However, it seems they may be inadvertently assisting him by paying his debts. The most effective way to stop someone borrowing is for their credit rating to be damaged to such an extent that no-one will lend to them.

If they stop paying, this is likely to happen and hopefully the credit he is accessing will dry up. This may even force him to face up to and address the underlying problems which are leading him to borrow in the first place.

I appreciate the consequences of the debts not being paid may worry your friends though. If their son is not living at their home anymore, they should remove him from the electoral roll and also return all his letters to sender. This will force the lenders to stop lending to him.

If he is still living there, they should look into financially disassociating themselves from him. This is done by obtaining a credit report from themselves and if he is appearing on their credit reports, completing a Notice of Disassociation and sending it back to the credit reference agency.

This is free to do and is possible if they have no financial links to him.

This will stop him affecting their credit scores.

If it gets really bad and bailiffs start turning up, they should remember they can refuse them entry and even if they obtain entry through an open door (they cannot force entry), they can only take his possessions, so direct them to his room. Hopefully it won’t come to that.

The important thing is to stop enabling his irresponsible behaviour and encourage him to get help with his underlying problems.

Once he is willing to do that, he can start addressing his debts.

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