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  • Legal FAQs

    Removing tenant's bad credit from my property

    I have a current tenant who is being harassed by a debt collector who is after a previous tenant. How do I stop this and how do I remove the bad debt from our house? 

    Thank you for any help
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    Tell them the person has moved on to a different address. 

    Bad debt is with the person and not property.
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    Tell the tenant to show the debt collector a copy of their council tax bill or passport to prove they are not the person in question, and then tell the debt collector to leave.

    You could send the tenant this link as it advises how to stop someone chasing you for another person's debts.

    As Graa said, the debt is not attached to your property, and the debt collector will go away and you won't hear anything else about it.

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    In the 90s (94 IIRC) it was made illegal to dock someone's credit rating based on other people at that address having bad debts.

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    I turned up at one of my properties the night before I was due to welcome new tenants, to find a threatening debt collector's letter on the doorstep. It was addressed to a person I have never heard of and not the previous tenant. 

    A furious phone call telling them is no uncertain terms that the property and it's contents were mine, and they had better not dare lay a finger on my property or harass my new tenants appeared to do the trick.
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    If the outstanding debt is not your tenants they cannot and should not come back when shown proof of the I D by your current tennant.
    It is unlawful and can be shown as harassment however the Bailliff’s will want to see I D proof of the current tennant.
    Once you do this they will leave you in peace.
    Nothing to be worried really.
    Hope this is helpful.
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