Neighbour using my address for credit

rsykes2000

GSXRCarlos wrote: »

Return to sender. Let them investigate it.

Isn't it actually an offence to open someone elses mail? - if so, how can you ring the companies

No, it isn't. It's an offence to steal it and/or open during transmission, but once it has been delivered to the address stated on it, you can open it and contact the companies concerned as long as you don't use anything contained within to the detriment of the addressee. I would say you are helping them by letting the companies know their correct address and the fact they don't live there anymore.

olly300

DirtPoorGuy wrote: »

Go to the http://www.experian.co.uk/ website and signup for a free 30 day trial to get a credit report, you will be able to see if any loans or contracts have been taken out at your address and you can also get them removed for free if they are for someone who does not live at your address.
.

Doesn't work like that.

Credit reports will only show information about you and whether people have tried to link their credit files to yours.

To be honest the best way to sort the issue out is tell the company involved then threaten to report them to a regulator if they keep sending letters to you as they claim it's a typo.

This happened to me 18 months ago with O2 and after threatening to report them to OFCOM and the Information Commissioner they got the message.

SallyForth_2

DirtPoorGuy wrote: »

Whilst most posties use common sense and will post a letter through the correct door, even if the number is wrong.QUOTE]

Trouble is, this isn't necessarily a good thing anymore. You know where with some applications, you need to provide something with proof of address on it? Well, if somebody get hold of a bill, contract or letter with the wrong address on it then they could use this to obtain more stuff by fraudulent means.

mikey72

GSXRCarlos wrote: »

Return to sender. Let them investigate it.

Isn't it actually an offence to open someone elses mail? - if so, how can you ring the companies

I open everything that comes through my letterbox. I never remember to check the name or address, I just open the lot in one pile. It's probably not a good habit on reflection, and my kids always give me stick when they get their mail (opened). I always tell them to get there first.

custardy

SallyForth wrote: »

DirtPoorGuy wrote: »

Whilst most posties use common sense and will post a letter through the correct door, even if the number is wrong.QUOTE]

Trouble is, this isn't necessarily a good thing anymore. You know where with some applications, you need to provide something with proof of address on it? Well, if somebody get hold of a bill, contract or letter with the wrong address on it then they could use this to obtain more stuff by fraudulent means.

well tell people to get their addresses right then it will be the odd item rather than loads

nikki2804

I keep getting letters for the previous tenant (they did a moonlight flit). I eventually got bored of returning the mail. In the end I opened them and phoned the companies who just told me to return the mail which I already have done so now it goes in the bin straight from the letter box.

Keep getting red letters through though, wonder how long until a nice baliff appears?

So chances are sending them back won't work unfortunately. I would report her and say you suspect fraud.

edgex

if the post is from multiple companies, its not a typo


youll need to contact them, & explain what is happening, & insist that they do something about it
also do it by letter, & insist on a reply from them stating that they have received your letter

hkhuni

i have recieved a letter from a credit place saying the account was in arrears - it is for next door neighbour but with my address - which when i received one before she told me she had corrected the address - apparently not

i phoned the company up to tell them - they didnt want to know and said if i wasnt the account holder they cant change anything!!!!!

now what should i do?

The_Pedant

I would send it back, with a signed letter saying the addressee is not known at your address for however long you lived there. Also state that any further correspondence may not be returned to them.

Many companies will not act on a returned letter without a signature to confirm that the addressee was not known.

Keep a record of the correspondence, I would then sleep happy and can ignore any follow-ups at your leisure.

All credit record entries are by person, not address (unless there are joint accounts) and so you have little to worry about on that front.