Previous owner still taking out credit on my address...what can I do about it??

Emmzi

they may haave never changed the address on their driving license, for ID

Little_Leita

brians_daughter wrote: »

How have they got a secured loan on the property? This is impossible, The company would check land registry and the mortgage provider before agreeing any loans that were secured on the property..

I wish I had hung on to the letters, I am baffled anything financial (which is why I'm asking for help here) my (soon-to-be-ex) hubby looked at it and said it was a secured loan. Surely they wouldn't have given an unsecured loan for such a large amount to someone with such bad credit? Is that possible? I think I might be slightly less worried now!

Thank you, and the other MSE'ers for all your help and advice, your time is much appreciated.

RAS

Is it possible that they took out the loan before they sold the house?

I would suggest that if you do not understand the letters in future, you take them down to CAb and aks them to write to the creditor (preferably regsitered post) and tell them that they no longer live at the house.

Dinah93

I set up my new phone contract over the phone, no proof of ID needed, and got the phone delivered to my work as no one was home during the day, so I can see how someone could lie about their address under the circumstances. Anything that comes through your door I'd just write 'return to sender on it' then on the back 'the Mr/Mrs X moved out and sold this property on (date). Their new address is XYZ. At the end of the day I can see it would be very annoying, but its not going to hurt you or your credit record.

Indie_Kid

We get other peoples' mail. One of them asked me to actually give him his mail. If he wants it, he can come and get it and change his address. 90% of the mail we get is for people who no longer live here.

foxy-roxy

My dad got me a contract phone instore and all he had to do was give them his bank card??
I don't remember him having to take any sort of ID.

terryw

foxy-roxy wrote: »

My dad got me a contract phone instore and all he had to do was give them his bank card??
I don't remember him having to take any sort of ID.

I fear that your memory is faulty.

Indie_Kid

foxy-roxy wrote: »

My dad got me a contract phone instore and all he had to do was give them his bank card??
I don't remember him having to take any sort of ID.

This is all I had to do. I was asked for no proof of address.

Savvy_Sue

Emmzi wrote: »

they may haave never changed the address on their driving license, for ID

And they MAY have set up a re-direct for post in their name, which has either expired and they've not renewed or was never 100% effective. Goodness knows enough of our post didn't get forwarded as it should have been.

Glad

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