What are the negitive expectations of someone using my home address to run up debt

davidharris

Sorry if this question has already been asked, but I can't find it anywhere.

Two years ago I had a lodger who moved to Asia for work. Since then I have been collecting odd bits of mail which i have forwarded to them in Hong Kong.

However, I tried to apply for an interest free credit card a few months ago and was refused. I found this really weird as I have always paid my bills and credit cards on time and have never missed a mortgage payment.

So, over the last few months I've been thinking about this carefully and realized i was still getting post 2 years later for my old lodger. So i rang him up and asked if he used my address when he was living with me for any credit cards etc as I couldn't get credit. He said no.

So (and i know i shouldn't of) last week a letter came from Lloyds bank addressed to my lodger (at my address) so I opened it. It turns out they are taking him to court for a £29k loan which he took out 1 month before leaving the country. He has never once made a repayment towards it.

I then got really concerned that my house was at risk and paid £2 for a credit check. This showed I was fine and my finances are in a good state (as i know they are), but I'm still concerned about my lodgers loan which is addressed to my house.

Three quesitons;
1. Even though the lodger left 2 years ago, because he is using my address to run up debt, could this cause me problems with my finances, even though nothing is in my name? (ie could i be blacklisted for example?)
2. If the bailiffs arrive at my front door, how can i guarantee my stuff will not be taken as they may think it belongs to my old lodger?
3. What else can i do to move the debt away from my house? (Even if I tell Lloyds he doesn't live with me, they will want a forwarding on address (which i can't give) as he no longer lives in the address I previously forwards mail to and he hasn't given me a new one).

What a mess.

Thanks for your help in advance.

terryw

1. people are blacklisted not addresses
2. provide proof of your identity and do not let them in
3. tell all the creditors by letter the story

DarkConvict

Addresses are not black listed, credit reports are tied to a name and address.
However, banks may well keep information on addresses although it should not deny you credit as it would be an unfair use of data.

If bailiffs arrive, you do not have to let them in. Its not uncommon for CCJs to be taken out at the last known address. If bailiffs arrive just state you are the owner of the property and that the person they are looking for does not live here. You do not have to let them in, and to reassure you they cannot take anything that does not belong to the debtor.
If they do attempt to take anything, you can inform the police and issue a criminal investigation.

There is nothing you can do on this, the debt is not at your address, The debt belongs to a person not an address.