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I have been receiving letters addressed to my son at my address regarding debts my son has accrued. My son has never resided at my address. Will my credit rating be affected by this?
I have been receiving what I regard as threatening letters, addressed to my son, at my address. My son has never resided at my address where I and my wife have lived since 1998. Apparently a notice of default has been granted against my son at my address. I have no knowledge of his whereabouts or what the alleged debt represents. I have contacted the senders of the letters and informed them that I want them to remove my address from their files. What is the legal position in respect of any effect this will have on my credit rating?
Debts are not transferable. There is no reason why your son's debts or default or judgements that might be registered in his name would be entered on to your credit record.
The best thing you can do for yourself and your son is to send back the letters unopened.
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