step son used my address for bank account

mad_mike

After a messy divorce where my evil ex stepson lived with us for around 6 months, I have started to get the occassional post with his name and my address. He had tried to take out a credit card but I just rang them and told them he doesnt live here (they took some presuading and I had to do it a second time). I had through the post a bank statement, obviously part of an ongoing dispute where he has not been getting paper statements for obvious reasons. Is there a way I can find out what is tied in to my address that I dont know about. I dont know what I am going to get in the post day to day.

Many thanks
Mike

DrScotsman

Why does it matter?

You say you want to know what's "tied in to [your] address". Do you think that credit ratings are done by address? They're not, they're done by person.

Unless mail not addressed to you REALLY bothers you, just mark each one "NOT KNOWN AT THIS ADDRESS" and every fortnight put them through the postbox.

olly300

As DrScotsman said all you need to do is write" Not Known at this Address" on every letter and post it back.

Some banks and financial companies will get the message and stop sending them.

Others may contact you. You can choose to ignore them or not. I have found it's better to set them straight i.e. you don't know where the person is, they only stayed at your house temporary before a divorce and you didn't give them permission to use your address for any correspondence as they don't live there permanently. They then may freeze the account so the person has to go in and change the address.

Finally some thick ones may continue to send you mail for years. If they do open a letter and contact them in writing using recorded delivery and put the title "Formal Complaint" on your letter. You are not breaking any laws by doing this as you are trying to prevent any crimes being committed.

If they reply quoting the Banking Code stating they have to send statements then make a formal complaint to the FOS. If they reply and quote the Data Protection Act saying they can't discuss why they are sending statements then contact the Information Commissioner. In either case indicate that by using your address you think the perpetrator is involved in fraudulent activity otherwise they wouldn't continue to use your address when they have only lived their temporary for 6 months and live permanently somewhere else.

squack

yes it is stressful but they can't touch you for what he has done

bingy_burge

Yeh a friend rented his house out and one of his credit card statements went there and his tenant put 'NOT KNOWN AT THIS ADDRESS' Next thing he knows his credit card has been frozen. To a while to get its sorted as they want proofs for his new address.

He will some learn if you do that as the banks lenders get very funny if your mail is returned.

He should at least of have the common sense to redirect it.

mad_mike

DrScotsman wrote: »

Why does it matter?

You say you want to know what's "tied in to [your] address". Do you think that credit ratings are done by address? They're not, they're done by person.

Unless mail not addressed to you REALLY bothers you, just mark each one "NOT KNOWN AT THIS ADDRESS" and every fortnight put them through the postbox.

Fair enough, i just dont like him doing it. He tried to take out a vanquish credit card twice!. When he doesent pay the bill, they bang on my door!!

stclair

Financial Organisations & Credit reference agencies are members of GAIN (Gone Away Information Network) a network which lenders share information on customers with debts who have moved home without telling their lenders of a forwarding address. The information may include both the address the customer moved from and any address the customer has since been recorded as living at. If you send everything back to them as gone away they will make attempts to trace them at there new address.