ex flatmate taking out loans at this address

simon_templar_2

Addresses are not black listed.

noh

McKneff wrote: »

J........
Its a criminal offence to open mail not addressed to you personally

No it isn't.
From the Postal Services Act 2000

84 (3)
A person commits an offence if, intending to act to a person’s detriment and without reasonable excuse, he opens a postal packet which he knows or reasonably suspects has been incorrectly delivered to him.

There is a reasonable excuse in this case and no intention to act to anyones detriment.

sfm82

I used to send them back but tbh it has happened so many times not just with this company but with lots of payday loan companies that I just started opening them to see what was going on. Seemed a bit strange to keep getting letter after letter, they are all new loans too not even letters chasing up repayments from old loans.
I'll just keep checking my credit reports and hopefully this is the last i'll hear from them.

RobertoMoir

sfm82 wrote: »

I've checked my credit report online and I am not associated with any body financially, should I still contact these agencies about disassociation?

I wouldn't bother. If you're not associated with anyone you don't need to disassociate. The old saw about credit ratings affecting an address and everyone who lives there isn't valid now (if indeed it ever was)

I_know_my_ABC_and_my_CMYK

McKneff wrote: »

Just send them back with 'not known at this address'
Its a criminal offence to open mail not addressed to you personally

Actually I think you will find this is incorrect.

RAS

McKneff wrote: »

Its a criminal offence to open mail not addressed to you personally

it is not - that is an urban myth.

It is a criminal offence to open mail with the intention of committing another offence (eg fraud).

RAS

Do check whether they are still on the electoral roll? That would make it easier for them to get credit at your address.

mrcow

McKneff wrote: »

Its a criminal offence to open mail not addressed to you personally

No it isn't. (Unless there has been a shock change of law in the past 24 hours that we've not heard about? )


And if you think that someone is using your address to commit fraud, you'd be nuts to simply return the mail.