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How can I stop my vulnerable son accessing further credit?

 

Dear James,

 

Can I as a parent of a vulnerable adult – who in the past amassed serious debt that my husband and I paid off therefore still leaving him with a good credit rating – can I place some sort of marker on his credit rating to prevent my son from taking out further credit? My husband has now been appointed a deputy by the court of protection. Alternatively, what can you best advise us to do?

            

 

Penelope, Durham

 

Dear Penelope,

Yes we certainly can help with this. Your husband needs to apply for a copy of your son’s credit report, enclosing proof of his status. Then, once he has the report, he should email or write to us asking us to add a note to your son’s credit report outlining the circumstances. There is actually an agreed form of wording for this, which is: “As the person who holds a legal Power of Attorney for John Smith, I, Mary Jones, wish anyone checking this credit report to be aware that John Smith has mental health problems that might affect his ability to manage his credit commitments.” Obviously you’ll have to change this to reflect your particular situation and details. The note will then be included on any credit check we carry out in your son’s name, making sure that any lenders he approaches are made aware of the circumstances. You will also need to make a similar request to the other two credit reference agencies.

James Sign

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