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Scottish Power debt. Housemate's mother was Guarantor for bills.


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Lived with a girl until January 2020. Our tenancy agreement (AST) said we are both equally liable for all bills but also that her mother was Guarantor for the agreement as a whole, including said bills.

 

It was verbally agreed that as I paid Council Tax, and some other bills, she was responsible for Scottish Power and some others. She reneged on this and, perhaps importantly, had my name added to the Scottish Power (henceforth SP) account without my agreement or knowledge.

 

I never signed anything with them (although I had of course signed AST). SP said that the any dispute over liability comes down to what was agreed in the AST.

 

Am I correct to think that

1. Her adding my name is allowed but

2. Due to the AST her mother is ultimately liable?

 

Finally, which if any scenarios going forward, besides me clearing the balance, would damage my credit score?

 

 I'm currently paying a payment plan to slowly pay it off to avoid any damage but have also advised, verbally and in writing, that I don't believe I'm liable.

 

The girl late twenties woman has no intention of paying anything, and is financially very hard up but I am very reluctant to be saddled with this, and SP have cheekily told me I should quadruple my monthly payment to clear the balance faster.

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Stop paying let it fall to the guarantor cant hurt you nor your credit file 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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1 hour ago, dx100uk said:

Stop paying let it fall to the guarantor cant hurt you nor your credit file 

 

But only after they have exhausted all avenues with the tenants...but in reality she cant add your name to the agreement nor can SP add it without your written consent.

 

Andy

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Hi

 

Send SP a Subject Access Request asking for 'ALL DATA' that little phrase covers exactly that all data no matter whatever format they hold it in. They then have 30 Calender Days to respond and that time limit only starts once they have acknowleged reciept of your SAR and don't ask you to prove identiy.

 

 

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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