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At some point people must be made to be responsible for their actions (I am referring to, in the main, unpaid finance.agreements). If you sign an agreement (assuming those agreements adhere to all the correct regulations), and you fail to comply with the terms of the agreement, then you must expect some fall-out. All these new regulations are punishing the majority of creditors/solicitors who do things properly, for the wrongs of the few dodgy DCAs who "mass-issue" to any old address in the hope they get a hit. Further, it is getting more and more difficult for creditors to recover monies they are owed. Eventually creditors will either charge a lot more to lend money, or tighten their lending criteria, and lend less, which is going to be bad news for everyone. Regarding the issue of parking tickets mentioned by David Carrod, I may be wrong, but aren't the proceedings issued to the last keeper's address held at DVLA? Isn't it an offence not to keep that address updated? In that case the person concerned only has themselves to blame, surely?