Don't open any letters

by Iamtomo Sun Mar 13, 2022 8:32 pm

Olá everyone.

I was just thinking about having debt attached to an old address. If you never saw the letters about it how would you know that there was anyone chasing you for this money? If you never replied how can they take you to court without giving you a fair notice of the alleged debts.

Just got me thinking maybe it's just all as simple as don't respond. If someone comes to your house don't answer the door.... No need for 3 letters or anything. Just ignore them and don't play the role of the debter.

I'm keen to hear any thoughts on this.

by **daveiron** Sun Mar 13, 2022 8:58 pm

Never ignore, if you do that it opens the door for them to get a judgement
in your absence, after which you will have all the hassel of trying to get it
set aside on those grounds ,& they will start recovery action again.

by Iamtomo Sun Mar 13, 2022 9:06 pm

Yes then why did I never get anyone knock on the door for the old tenants at my house having debt letters come every few months?

How can they do anything in your absence? You could be dead for all they know.

They only know once you respond.

by **Mrblue2015** Mon Mar 14, 2022 12:35 pm

If you’re dead a CCJ doesn’t matter… If you’re alive, a CCJ matters big time.

by Iamtomo Mon Mar 14, 2022 1:28 pm

But if I never saw or opened a letter how does it effect me?

by Iamtomo Mon Mar 14, 2022 7:30 pm

Sorry if I'm sounding ignorant I just try to look at things simply. I really am trying to innerstand this. If I never read a letter from a court or a DCA how would it actually effect me?

The only thing I can think of is my credit rating but who cares about that?

by **urchinatheart** Mon Mar 14, 2022 7:55 pm

Unfortunately, in commercial law, if you do not reply to a letter sent to the NAME you sometimes need to use, it will be assumed that you assent to, or agree with any claim made in the document delivered to your address.
Your (presumed) agreement allows court action, which can lead to orders and/or warrants of control over your property or (NAMED) person.
If it was as simple as not opening mail this site would be very different.
I hope your question was theoretical.

by Iamtomo Mon Mar 14, 2022 8:11 pm

I appreciate the reply.

I am asking because I personally know people who have moved out of the UK with massive debts and never had any problems.

I also know people who have done this in Sweden.

I also know that the previous owner or tenant at our house has had letters coming to us for years and we have never had anyone come to our house. The last letter that accidentally got opened had something like £17,000 attached to it they were trying to reclaim. I assume the NAME of the debt forgot to update his address. The same with my friends who left the UK.

With all the NAMES out there and data protection laws how can these private companies find the right NAME?

by flyingfish Tue Mar 15, 2022 1:24 pm

The way it works, if things reach court, is that the court claim is served to the alleged defendant at his/her last known address. If there's no response, the claimant gets a Judgement in Default. It's the claimant's problem to try and track him down if they want to try and collect.

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