Speak to one of our specialist advisors 0808 156 7730

Q&As and Ask an Expert

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.

Struggling with debt?

Find out if you are eligible to write off unaffordable debt.

1 Answer

TAD Member

2 months ago

Hi

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.

Debt solution finder

FREE personal debt advice

Complete our debt solution tool to get FREE individual debt advice now

  • Completely anonymous
  • Free and easy to use
Try our debt solution tool

If you have a question on a particular debt topic, you may find the answer in the questions below or in our full Q&A section.

Request debt help & advice

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aenean rutrum lacus at magna lacinia efficitur. Sed sodales, diam ac aliquam tristique, urna ligula eleifend lorem.

Our team of specially trained consultants can advise you on the best debt solution based on your current situation. For confidential advice Just fill in the form below and one of our team will call you back




If you consent to us contacting you for this purpose, please tick here

Live Chat

Got a question? Our advisers will point you in the right direction.

  • Monday to Friday, 8am to 8pm
  • Saturday, 9am to 1pm
  • Sunday and Bank Holidays, closed
Launch chat

Call us

Got a question? Our advisers will point you in the right direction.

0808 156 7730
  • Monday to Friday, 8am to 8pm
  • Saturday, 9am to 1pm
  • Sunday and Bank Holidays, closed