Lloyds debt for someone that does not live at my address

geministar2008

Hi,

I am constantly getting debt letters in relation to an ex partner who left my address in June 2009. The main one is from Lloyds, although wrong, i have now been opening these letters and it would seem it is in relation to a debt on his current account. It would seem he had applied for an overdraft after our split, but had the account listed as he was still living at this address! And has obviously fallen into difficulty.

I have done the whole return to sender thing but they keep on coming! Does anyone know of who i could see, email or speak to at Lloyds about this? Or should i collect the letters and take them into my local branch and tell them this man does not live here? It's driving me mad.

Also in relation to county court judgements, are they registered against the person only or does it involve the address aswell? My concern is that this man is going to cause me a lot of financial difficulty.

Look forward to hearing from someone.

Tixy

Hi

The important thing is to check that you are not registered as financially associated with him at the credit reference agencies - did you ever have joint financial items? bank account, loan, mortgage etc?
If you are associated with him this woudl affect your rating. However if it just an address thing then you will be fine.

Do you know where he is now? and if you do would you like his creditors to know?

spark911

I wouldn't bother sending it back via the branch. If it has a postal address on it from the building who is sending the letters demanding repayment, send it all to there.

Also, if you've already opened one, feel free to phone up and give the reference number and advise that he is your ex partner, you don't wish to discuss the account (as they can't anyway with 3rd parties), but that he no longer lives there and hasn't for <however long>. They can instruct agents to find his new address and take it from there.

geministar2008

ok Tixy, how would i check this and how do i remove the connection if there is one? And spark, thank you i will try this.

Tixy

You would need to get copies of your credit file from both experian and equifax (free trials are available if you remember to cancel in 30days or order the £2 statutory report) and look at them to see if he is shown as a financial associate. If he is then you can apply to be financially disassociated from him -each agency has an online form you can complete to do this bit.

If you are associated on either of these then you'll probably need to check and do the same with callcredit as well.