Advice needed...

maileugene

We received a letter today by a ccs (commercial collection service) agency address to an unknown person in our household to collect a sum owed by this unkown person...

I think someone is using our address and applying for credit cards and using them...

strange thing is that we have not received any statements or anything else from this account apart fom this letter...

is this a scam??? Incorrect address??? any ideals anyone...what should I do...

Thanks for you help and advice in advance...
Eugene

Sorry if this is in the wrong section...

Suzz_2

I'd suggest first contact the company to inform them that the person does not live at your address. (Maybe worth checking first that they are a real company e.g. real address, postcode and landline tel. number).

Contact the Post Office to make sure no-one has put a 'forward' on your mail.  I've heard fraudsters will do this, get all your mail, take out the credit cards and then post the other mail back through your do, so you're not suspicious.

See here for advise and information on identity fraud; though this person has not actually stolen your identity, but your address.

BTW - have you lived at your address long?  Could the debt belong to a previous owner?

That's all I can think of but I'm sure other members will have more advice.

Galstonian

Get a hold of your credit reports, if the person appears on them you can get a notice of dissocciation. You may also see who the lenders are (if any) and can notify them of potential fraud. You could also notify the police.