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Previous owner still taking out credit on my address...what can I do about it??
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Go into carphonewarehouse and you can take out a contract by just swiping your credit card in the chip and pin. They only ask for ID if you have never bought from them before. If you've as much as bought a SIM only PAYG from them for a fiver they have your details on their systema nd don't require further checks.
BTW it can't be a secured loan because that would be secured on the property and your solicitor would have ensured it was redeemed when you completed and your mortgage registered. It could be a loan that was secured and they allowed to unsecure, but that is unlikely.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0 -
When I got my latest mobile contract I didn't have to show bills, bank statements etc. I just had to show bank card and driving licence. They're obviously not as strict as they used to be.0
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Register yourself and the previous occupants with the Mailing Preference Service and Telephone Preference Service. Consider writing to all three credit reference agencies stating that you are the current owners/ occupants of the address and can they ensure that the previous occupants records are updated with their new address as it has come to your attention that credit is being applied for erroneously. Not sure if that will be effective but may be worth a shot?Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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Here is one way they could be obtaining a contract phone and also receiving other items of post etc from online.
http://www.royalmail.com/portal/rm/jump2?catId=79500736&mediaId=481006950
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