I have a close friend in the same situation. I would have agreed with the posters who said not to give your friends address, but I have just been told this in a more recent thread: "if you entered into a contract or agreement with someone and you then move or become of no fixed abode, the responsibility for providing a contact address is yours and an e mail address is not acceptable. indeed you are probably in breach of most agreements by not doing so" So if this is correct, it seems a homeless person is required to provide a contact address......I wonder what the procedure be if they don't have one!

Understood, but what if you are of no fixed abode, have written to them stating you are of NFA and can only be contactable via email...and they still write to you at a previous address? (that address's current residents have returned the letters unopened but they still send them)

So if a creditor issues a court claim, say after 1 year of your last direct debit payment, but cannot find you so they just send it to a previous address....what would happen?

I was told today by the Consumer Credit Counselling Service that a debt will only become Statute Barred after 6 years if the dca or creditor makes no attempt to contact the debtor in that 6 years. If they did try and failed to find the debtor within the 6 years the debt stands. This sounds ridiculous to me. Has anyone ever heard of a dca or creditor that didn't attempt to find a debtor; they go out of their way and stretch the law to find and harass debtors, their families, and anyone else connected. And even if they didn't, they could say they did. How could the debtor prove the dca never attempted to contact them within the 6 years...

Thanks angry cat, do you think I should write to inform them the resident doesn't live here, or ignore them? If I ignore them they might go through the motions and send a baliff in a few months. The former resident in question wrote to them in Jan to say they weren't at this address. If dlc are in breach, is there any chance of getting the debt cancelled or is this wishful thinking?

Ahh, I opened them, and read them to the former resident over the telephone. Should I still send them in a new envelope, keeping photocopies?

Thanks, but I wondered if I should retain and file any letters sent by them, particularly any that are sent after any letter from me saying she doesn't live here, because that would be harassment and I might be able to do this former resident a favour and get her debt cancelled through harassment.

Dlc, of Brackley, sent a letter demanding immediate repayment of £10k, at the start of Jan, and again at the start of Feb (which perhaps suggests it is a stock letter) to my address, addressed to a resident who left in 2005. This was the address he used to apply for the loan, which is the subject of the debt in question. He informed dlc, in writing, that he is no longer at this address, after the Jan letter, but they have obviously ignored it because they sent the Feb letter here. Can anyone point me in the direction of a template letter to inform dlc that this person is no longer resident at my address, or advise me of appropriate steps to take?