Posts Tagged conspiracy

Get out of debt free… or, not

Guest post from Emma, an MSS member.

I and my partner recently moved to a new house. It went relatively smoothly aside from the usual stress of packing, unpacking and remembering what addresses to change, that sort of thing. After the move a large volume of post for the previous owner kept arriving at our address. At first I diligently gave it to the estate agent to forward on as we didn’t have a forwarding address. After a while this became irksome so we began just returning to sender. Alas the deluge of post continued and I began to recognise some of the return addresses and some worrying looking ones (with red ink) didn’t have a return address.

I found that most of the letters were from creditors of the previous owner seeking repayment of various debts. They were threatening and I must admit I would have been scared to receive them if they were addressed to me. The previous owner is apparently in some financial distress and I found myself feeling quite sorry for them and the difficulties they were presumably having.

Following the financial crisis more and more people have found themselves in this position and there are fewer and fewer places where people can get help and advice given cuts to public services and legal aid.

BTBATBJMU

People receiving debt letters can turn to social media for answers – unfortunately, not always good answers.

For example, in 2013 all legal aid for debt matters was taken out of scope – meaning that it is very difficult to get professional advice with debt matters. In the same way that we see people given a terminal diagnosis turning to miracle cure peddlers in the form of Burzynksi or ‘Yes to Life’, in the debt world the equivalent is the Facebook page and website ‘Beat the Bailiffs and the Banks’ (BTBATB). At the time of writing this group has over 20,000 members. Every day there are dozens of requests for help from people who have received letters similar to those being sent to the previous owner of my house. Read the rest of this entry »

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