debt collector letter for previous owners

leni

I did get turned down for a current account with Halifax last year. I've always been good at paying back my loans and credit cards and my mortgage (which was and still is with Halifax) yet after doing a credit check, I wasn't allowed a current account with them, which I found bizarre!

oops_a_daisy

Halifax can be very funny. I havent been refused credit but it does impact on me getting credit. We even had somebody round looking for him 2 weeks ago. My DD answered the door and said that nobody of that name lived here. OK it could have been somebody who knew him but given the amount of letters I get chasing him for money I dont think so. Unfortunately I was in the shower and when I went out into the street I couldnt see the person but still makes me wonder why it is still happening 5 years on.

Emmzi

oops_a_daisy wrote:

yes why dont you come with me next time I want to get a mobile phone and wait all day till they run further checks into me because there is a CCJ registered against my address.

Hey, I'm just quoting it like the credit reference dudes tell it...


Have you
- got copies of your credit reports
- asked for financial dissasociation from CCJS as they are not yours

This should remove them from your file.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1149605730,95768,

Dan29

oops_a_daisy wrote:

yes why dont you come with me next time I want to get a mobile phone and wait all day till they run further checks into me because there is a CCJ registered against my address.

Sounds like a fun day out

Is the CCJ also registered against your name? Have you checked your credit record?

Dan29

C_Ronaldo wrote:

i agree with daisy, its your home why should you have to prove who you are

Who's having to prove who they are?

oops_a_daisy

I was replying to Dan when he asked for proof !



I have seen my credit report and everything is up to date or satisfied.

I did not know about the dis association thing though - will look at your link

Dan29

oops_a_daisy wrote:

makes me wonder why it is still happening 5 years on.

I don't think you have to necessarily worry that he's still using your address. Debts are sold to debt recovery companies who can turn up years later looking for money. I recently had Wescot on my case about a debt that someone had run up in my name 8 years earlier, and which I had never heard anything about during those 8 years. I soon got rid of them though

oops_a_daisy

Dan29 wrote:

Sounds like a fun day out

Is the CCJ also registered against your name? Have you checked your credit record?

no the CCJ is not against my name it is under the name of the person that used to rent my house before I bought it and my credit report is fine. All I am saying is that in my experience I have had problems obtaining credit because there is a CCJ against my address - I havent been refused but I do get checked into more. Even if the law states that it goes by name - in practice they check your address.

Dan29

oops_a_daisy wrote:

I have seen my credit report and everything is up to date or satisfied.

And the mobile phone company told you that it was because of a CCJ at your address but not in your name?

Dan29

oops_a_daisy wrote:

in practice they check your address.

How? Against their own records, or with Experian etc? I don't think Experian would let them do that as they'd be in breach of the data protection act.