My son has given my address on a Pay Day Loan

[Smowball]

Elder son took out £100 Payday loan from Toothfairy Finance in April. Doesnt live with me and I had no idea. Was meant to pay it bk the nxt week but didnt have work so he called me in a panic and I paid it for him - £118 in total.

I get a letter today to his name but my address, from a debt recovery agency. Said he hasnt paid the £100 back - so they have added £172 interest,£150 legal fees and £200 recovery fees!! I called them and they had no record of my payment. Looked at letter again and date was May. Rang son and he admitted he had taken out yet another loan the following month. Swears he didnt give my address and they must have stored it on system from me paying previous loan.

Q is - is that true or has he given them my address? And will they send bailiffs to my house as I cannot and will not pay this back for him - again.

[Charity]

I'm not very good at tough love with my children (all young adults now) so I'd do my best to help him pay it a.s.a.p. He's very young, unemployed and has a new baby. A lot for an 18 year old to cope with.
We all make mistakes.

[B00]

Hate to sound harsh smow, but you're a soft touch, why your kids are walking all over you.

If you don't toughen up with them these kinds of problems won't go away.

[lcg]

i think i would kick my son up the arse if he pulled a stunt like this....and never give him another penny. he's living rent free at gf's parents house, so why is he taking on debt? no need imo....just greed and an expectation you will pay it off again. don't be a mug, smowball.....x

[horseshoes]

I have a feeling that you are a very kind preson Smow and certain people take huge advantage of this. I also suspect that you have been drained of your self confidence and find it difficult to say no. Do yourself a huge favour Smow; toughen up; go and get yourself some confidence building lessons, get yourself out in the world again, and let your son learn to look after himself and his family. (hug)

[Smowball]

Ok, I've spoken to National debt Helpline - they were brilliant. Have set up password etc for son to call them and they will send him pack with relevant letters etc to send to these loan people, in order to get the interest frozen and make a realistic payment plan. If he doesnt call them then thats up to him but my job is done, not going to even worry about it any more.

[tenrec]

Well done Smow. It is so hard when it is your flesh and blood, but you have definitely done the right thing, by him and you.

[horseshoes]

Well done Smow. Stand firm:-)))

[EDDIE51]

Get him to contact the loan company and tell them what has happened , they do have to take action and freeze the intrest if the customer asks for help.
Make sure you cancel the card you used to pay off the last loan, these companys store the details and try to take cash out of your account.
You need to contact the loan company as well and make certain they know that the address used is incorrect. Wonga at least will freeze intrest and take repayments over a few months , I know this for fact as my son got into trouble with them . But they will not just do it you have to contact them and ask for help as does your son. After that it is up to him.

[flump1]

Your son has committed fraud smowball. Sorry to add to your tale of woes of late bless you, you don't need cr@p like this.

[Smowball]

Found out yesterday he hadnt used my address, he had used his dads. Hi had received exactly the same letter as me. They wrote to me because theyad my address on their system

[jno]

that's good news, he hasn't been dishonest or taken advantage of you. He does still need to get his debts sorted, though.

[emmie]

have you asked the company to take your name and address off their system, you should..

[Smowball]

Yes have told debt company to remove my details . Son took my advice and rang the national debt helpline lastnight and they are helping him sort this out.

[emmie]

good. Hope this gets sorted soon