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Help!! New house with bad credit history
kelk
Posts: 32 Forumite
Help!
We have rented a house from a housing association and keep getting debt letters for previous tennants. I'm fed up of ringing the companies and telling them the people no longer live here etc but they just do not seem to listen :mad:
Is their anyway in which I can get all the debt etc cleared off the house??
Its effecting me and my wife when applying for credit
Thank You
We have rented a house from a housing association and keep getting debt letters for previous tennants. I'm fed up of ringing the companies and telling them the people no longer live here etc but they just do not seem to listen :mad:
Is their anyway in which I can get all the debt etc cleared off the house??
Its effecting me and my wife when applying for credit
Thank You
0
Comments
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It will not affect yours or your wife's credit rating, as it is the person, not the house, that has a credit rating, obviously there is something in your back ground that is stopping you from getting credit.
It is a fallacy that the house is black listed!!!!!!!!!!0 -
Debts are attached to individuals not properties so I don't understand why it would affect your own credit-records.
Start sending the correspondence back with "Gone Away" written on the envelopes but be prepared for debt-collectors at your door eventually. Keep some ID and your tenancy agreement somewhere handy to prove you are not the people they are looking for.0 -
It will not affect yours or your wife's credit rating, as it is the house, not the person, that has a credit rating, obviously there is something in your back ground that is stopping you from getting credit.
It is a fallacy that the house is black listed!!!!!!!!!!
I think you got the fist part back to front
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ok thanks for the feedback, but surely there is a better way other thann send letters back and phoning companies to stop these letters being sent here0
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I am in a similar position with debt collectors letters arriving in their dozens for the previous occupier. I heard, actually I might have read it here, that if they think you are telling lies and are just saying that the person is no longer there, they can add to your credit file that the debtor's name is an alias of yours and you will be connected to them in that way. Any truth in that?0
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They render themselves liable to substantial claims if the do that without good evidence.I am in a similar position with debt collectors letters arriving in their dozens for the previous occupier. I heard, actually I might have read it here, that if they think you are telling lies and are just saying that the person is no longer there, they can add to your credit file that the debtor's name is an alias of yours and you will be connected to them in that way. Any truth in that?Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
Letters to the previous owner of our house (who was in debt) started to tail off after a year of writing "Gone Away" on envelopes, and now we get about one letter a month for her.
It's a shame the phone calls (about a different debtor, whoever had this number before us) haven't stopped. Getting bored of telling them now, we tend to go "We'll just fetch him" and put the phone down on a table for half-an-hour.:heartpuls Mrs Marleyboy :heartpuls
MSE: many of the benefits of a helpful family, without disadvantages like having to compete for the tv remote Proud Parents to an Aut-some son 0 -
If you get post not addressed to you, you should write on the envelope nkata and pop it in the post box. It is against the law to open mail not addressed to youBe Alert..........Britain needs lerts.0
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paddedjohn wrote: »If you get post not addressed to you, you should write on the envelope nkata and pop it in the post box. It is against the law to open mail not addressed to you
No it is not. It is only against the law to open mail, intending to use it to the addressee's detriment.0
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