Keep getting debt collection letters for neighbour

jaydeeuk1

Gordon_Hose wrote: »

Could be someone typed the number in wrong on an application or on the file that got passed to the DCA's.

On my credit file there are 2 past addresses, 1 is 54 xxxxxx Drive, the other is 45 xxxxxx Drive. I've never lived at 45.

If it was for one company and one debt I could understand.
So far there are at least 4 or 5 different debts, all with different companies and all our address. Bank accounts, mobile phones, car loans and credit cards. One I could understand as a mistype, but 5?

Have spoken to neighbours several times, and shoved post through the door, but all they say is they'll speak to him (he lives elsewhere and they won't give us his proper address)

Writing not known at this address hasn't done anything either. Must have wrote it on 20 or so letters (we probably have 2 a week from various agencies on average).

RobertoMoir

jaydeeuk1 wrote: »

Bumping this old thread!
Still getting these damn letters, probably at least 1 a week since this thread was opened. I've written Not at this address and put back in post box, I've put neigjbours (the kids parents) address and put back in post box, I've written to the various debt agencies and rang them, and nothing has changed.

My wife is heavily pregnant and we've had hand delivered notices, and the thought of them eyeing mine and the wifes car up makes me want to go round to the neighbours house with a few mates. She doesn't want to be at home during the day now incase someone comes round - why should they believe us when we say he doesn't/has never lived here?

Its not a case of these putting the wrong address on - the kid has done it on purpose, bank accounts, car loans and phone bills with our address down.

Is there anything I can do legally? I'd love to sue the balls off these people (and the f*cker who should be dealing with this)

Put the letters in the bin, don't open them (or only open them enough to make sure its more mis-addressed rubbish, and stop thinking about them. They're only stressing you out and worrying you because you are choosing to open these letters, read them, and become stressed out and worried. So stop doing it. No really.

I promise you as a former bailiff and hence someone who might know a little bit about what bailiffs and debt collectors might or might not "eye up" at peoples houses, that

1. Debt collectors are not bailiffs.
2. That only bailiffs have the power to go to a debtor and remove their goods (and only then after a debtor has been taken to court and lost).
3. If a bailiff were given an address to visit, it is for them to prove the person they're speaking to is their debtor, not for the person they are speaking to to prove that they are not.
4. That the kind of bailiffs who would be involved in recovering the kinds of debts concerned are considerably more professional and better behaved than the ones collecting council tax that keep making all the bad headlines.
5. And that bailiffs can't take your stuff for someone else's debt and in the (very very very very VERY) unlikely event that one tries, they would be committing theft.

Put the letters in the bin and forget about them. Or given the cost of fuel these days, put them to good use as kindling if you still have a 'real' fire in your front room.

Gordon_Hose

jaydeeuk1 wrote: »

If it was for one company and one debt I could understand.
So far there are at least 4 or 5 different debts, all with different companies and all our address. Bank accounts, mobile phones, car loans and credit cards. One I could understand as a mistype, but 5?

Have spoken to neighbours several times, and shoved post through the door, but all they say is they'll speak to him (he lives elsewhere and they won't give us his proper address)

Writing not known at this address hasn't done anything either. Must have wrote it on 20 or so letters (we probably have 2 a week from various agencies on average).

If they are getting his address from the credit reference agencies then yes, it's perfectly possible.