- Thu Sep 13, 2007 9:08 am
Hello Brickie !
I do not know what would happen in case of CCJs (I have not reached that stage yet !!!) but, like any business, they would have to protect within reason the confidentiality of their clients.
I am sure they are quite aware that many of their clients use their services as a "buffer", so as not to be exposed directly to the unpleasant consequences of dealing with creditors. They are just a commercial service offering a mailbox and various associated services. They do not care what people use the mailbox for as long as it is legal.
You can tell them to refuse registered letters and not to sign for anything. I would probably say that they are subject to the same rules of confidentiality that apply to Royal Mail. Which means that they would not give your forwarding address to a normal creditor representative who just comes to inquire, as they would come to your doorstep if you had a residential address. But they would probably have to give this information to the police or to a court representative.
Do not forget that CCJs can be issued in absentia, so it does not make a big deal of difference whether your address is just postal or residential. The court would still issue a CCJ. And I suppose the mailing company would not care at all. They would just put the letter in your box as normal. They are not involved in your affairs. They are just keeping your mail for you and will be neutral as long as your activities are legal and you pay your bill.
Of course, this is my understanding as a member of the general public. I have no special knowledge of legal affairs. Maybe a better informed member of this forum could give his/her opinion on the legal aspects of using a mailbox. All I can say is that I have used this system for several months to keep in touch with my creditors because I live in temporary accommodation and do not want to be hassled by creditors despite doing my utmost to keep up with my obligations toward them (Banks do not care that you try hard ; they always want more ...).
Finally, you must not forget that, like any other human activities (and postmen in particular), there is the potential for human error : letters put in the wrong box, the creditors entering wrongly your address (this happened to me once : a one digit mistake in the box number and the letter goes to the neighbouring box ...).
But have you never had your postman giving your mail by mistake to a neighbour ? Complete confidentiality is hard to achieve nowadays. But, in the end, who cares ??? Nobody is perfect : Most people have debts, affairs, or aspects of their lives they would rather hide. Look at the way politicians are hiding assets or bishops having marital affairs !
So, if you have a CCJ against you, it is not the end of the world if a few persons know ... As I was told by the several debt advisors I consulted, when it comes to insolvency, to the banks, to the judicial system, to any other party involved, you are just a number, not a person ...