I am a 40 year old male living in the Washington, DC metro area in the U.S. I have a mother, about 68, who lives in England (Northamptonshire, UK) with my brother and stepfather. My brother is 42 and has mild mental disabilities. My mother has a history of not being able to control her spending. My father has given her a lot of financial support over the years despite their having gotten divorced in the early 1980’s. My brother, who has money in trust, has also provided and continues to provide on-going financial support. We’ve now gotten to point with spending where my brother now has a number of U.K.-based credit cards (5-10 cards is a guess) and with an unknown amount of debt.
Is there a way for me to definitively determine how much debt my brother carries on all of his various cards? Secondly, is there a centralized way (agency or company) through which I can close all of his existing accounts so that no more charges can be incurred on his various cards?
Your family or brother could obtain a copy of his credit report www.experian.co.uk, callcredit.co.uk and equifax.co.uk to see what debt he carries, but this may require his permission or knowledge of this.
Your family could also ask for any statements he may have as they come in.
There is no one place you can go to in order to close his accounts. He would need to do this with each individual creditor, of course if the account is in arrears, the bank may close it themselves. Are any accounts in arrears?
What are you or the family considering doing? What other questions might you have?
Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.
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