5 Oddest Excuses For Not Paying Debts.

Most people will need a loan to help them financially at some point. Under some circumstances people can forget about loan repayments or find them too hard to pay off. But don’t fear! Nobody better understands the pressure of unpaid debt than our debt collection solicitors in Brighton.

Overdue debt is equally as stressful for both the lender and the debtor. A person or a business who is a lender is put in a financially troubling position if they haven’t received repayment. Furthermore, receiving a letter demanding clearance of debt would make anybody panic. Especially when visualising court dates and debt collectors banging on your door.

As you can imagine, the fear of a potential investigation results in some crazy excuses to deflect responsibility. In this article, our debt collection solicitors in Brighton are going to look at some of the funniest reasons for people not paying their debts.

If you have any questions about debt collection troubles, please visit our debt recovery page or contact our solicitors in Brighton directly on 0203 007 5500.

1. The other ‘me’ sent the payment.

Mental health is no laughing matter, but this individual decided it would make the perfect excuse. They claimed that another version of them had made the payment, and therefore they had paid on time.

However, they also neglected to mention that their condition had never been diagnosed. Unless you have a validated medical documentation acknowledging a multiple personality disorder, creativity is not going to do much good regarding escaping an unpaid debt.

2. I’m waiting for someone to buy my kidney.

If you’re finding it difficult to sell a kidney, perhaps you could try Facebook Marketplace?

As humorous as this excuse is to an outsider, debt collection isn’t a laughing matter in the eyes of the law. Bills are bills, and the avoidance of them will put you at a significant disadvantage in the future and expose you to legal investigation.

And a poor credit score.

3. The postman stole the stamp from the letter I sent.

The noble postman is a profession that dates back decades. And not one that’s reputed for stealing stamps off letters.

Nevertheless, someone decided to bring the name of postmen and women across the country into disrepute by claiming one had stolen the stamp from the letter they sent, presumably to repay a debt. This was a second class excuse with little thought put behind it.

If the debtor decided to stand against the postman story, this matter would have gone to court. The lender would need to provide evidence regarding the debt not being paid and put pressure on the debtor. To avoid a more costly punishment, the debtor would then need to bring forward robust evidence bringing credibility to their argument.

4. I broke both my legs so I couldn’t post the cheque.

Our debt collection solicitors hope for a speedy recovery for this person if they really did break both legs. However, this doesn’t affect somebody’s capability to send a cheque as they could easily have asked a friend or family member to deliver it for them.

If getting a friend or family member to deliver a letter is not an option; there are other options available. We live in an era where online bank transfers are universal. So, it’s easy to make the payment from the comfort of your home.

5. I have died.

Out of all the excuses our debt collection solicitors have seen, responding by saying you’re dead has to take the crown. The obvious question to ask is, how have you managed to write back to us if you are dead?

I shouldn’t imagine this excuse will have much credibility when the debtor has to argue they had miraculously resurrected on the day of the court.