Lloyds TSB credit card statement for previous house owner?

jaxo

Since August 09 Credit card statements for the previous owner of the house started arriving, he hasn't lived there for two years.
The card seems to be paid off every month by the same small set amount, I've walked into the bank and made them aware of the problem but just received another statement, no new transactions added to the card, I opened the envelope to check!
I'm also worried that I know we wouldn't even have known about this issue if the guy is doing it on purpose and signed up to TSB's 'green/security' option of not getting statements through the post!
Is there another way to get this problem sorted or make the credit agency companies aware without having to sign up to the 30 days free* bumpf.
If I complain to Lloyds TSB should they be removing this chaps association with the address?
Also we received someone else's name associated with the address for an government winter fuel payment, I'm starting to worry!

gt94sss2

jaxo wrote: »

Since August 09 Credit card statements for the previous owner of the house started arriving, he hasn't lived there for two years.
The card seems to be paid off every month by the same small set amount, I've walked into the bank and made them aware of the problem but just received another statement, no new transactions added to the card, I opened the envelope to check!

You're not allowed to open letters addressed to other people - even if they have been sent to your address.

Instead, just cross out your address, write something like 'Addressee not known at this address - return to sender' and put it in a letterbox.

It should then be sent to the 'If undelivered address..' and the relevant organisation will eventually deal with it.

Regards
Sunil

rb10

gt94sss2 wrote: »

Instead, just cross out your address, write something like 'Addressee not known at this address - return to sender' and put it in a letterbox.

It should then be sent to the 'If undelivered address..' and the relevant organisation will eventually deal with it.

I did this when Natwest kept sending me letters addressed to a previous occupant, but they never paid any attention to it; the letters just kept coming.

I eventually took one into a branch and asked to make a complaint (on the grounds that I'd told them many times, and they hadn't done anything about it). This stopped it immediately.

ElkyElky

I often get letters from Abbey regarding a child trust account from a previous tenant. After wasting my time returning them as 'not known at this address', I still keep getting them so I just bin them now.

Not my problem if the previous tenant has not changed the address.

**Upsy_Daisy**

We had this from a previous owner - his letters were from the then DSS we forwarded them for a while

When we finally opened one it appeared that he was claiming benefits claiming to have lost his job at a business he registered at our (his old address) and was claiming that the business was still running under our ownership

We sent the letters back to the DSS with a covering letter explainng that the company was his - not ours

I suggest you send it back with a covering letter stating that you opened it by mistake (we all make them) but that it has nothing to do with your address. Send it to their fraud centre, they may take a bit more notice than the post room staff

UD

jaxo

gt94sss2 wrote: »

You're not allowed to open letters addressed to other people - even if they have been sent to your address.

I have no problem opening what I recognise to be credit card statements and DSS payments that newly start appearing to tenants I've never heard of or haven't lived there for a very long time. I've been the victim of fraud, if comes to it I'll claim its a mistake. Obviously I naturally open mail addressed to my address.
I think you'd be an idiot not to act on it and trust the undelivered return address to deal with it!

st999

You're not allowed to open letters addressed to other people - even if they have been sent to your address.

No one has ever been charged or been taken to court for opening letters put through their letterbox.

If it comes through my letterbox it is mine regardless of who it is addressed to unless the postie accidentally puts a neighbours post through my letterbox
then I will take it to her.

Now I suppose we will get all the garbage about posties etc getting done for opening letters because the posters do not understand what I have written

Stan

jaxo

I'm wondering if the statements 'suddenly' started appearing in August because I've just seen that Royal mail will forward your mail for a maximum of two years.
Surely this and the fact that banks want you to elect to have online statements only - 'to cut down on fraud', good for the environment, saves them a fortune - could also hide the fact that someone is still using your address.
Two years!! ??

CannyJock

jaxo wrote: »

I've just seen that Royal mail will forward your mail for a maximum of two years.
Surely this and the fact that banks want you to elect to have online statements only - 'to cut down on fraud', good for the environment, saves them a fortune - could also hide the fact that someone is still using your address.

It sounds to me like a conspiracy between the Royal Mail and Experian to make sure we all sign up for ID Fraud Protection :rolleyes:

If you get enough of their mail then you could presumably stitch together enough of a background on that person to apply for things in their name, get it delivered to "your" address, spend all the money and leave them liable for it! :rolleyes::rolleyes:

custardy

jaxo wrote: »

I'm wondering if the statements 'suddenly' started appearing in August because I've just seen that Royal mail will forward your mail for a maximum of two years.
Surely this and the fact that banks want you to elect to have online statements only - 'to cut down on fraud', good for the environment, saves them a fortune - could also hide the fact that someone is still using your address.
Two years!! ??

well the person getting their mail redirected would know and then could change their address
how many people need bank mail redirected over 2 years after leaving the property?