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Creditors Chasing Tenant
liverpoolcarl
Posts: 165 Forumite
Hi All,
Currently I own a property and seven months ago my tenants moved out and new tenants moved in.
I am as off today still receiving letters from creditors chasing my previous tenants, up to now I have been ringing the creditors, passing on my tenants forwarding details and have been following this up with a letter.
I was concerned about this in a few months, worrying that this may recorded against the property so I did a credit check with Experian and all came back fine. I listed myself as living at the property for the purpose of the check.
Can anyone confirm that credit is against the person and not the property?
Can anyone suggest anything else other than promptly calling the creditors when I receive letters?
I suspect this girl may be still using my address to try to fool the creditors. Is this a criminal offence and can I report this to the Police?
Any help will be greatly appreciated.
Currently I own a property and seven months ago my tenants moved out and new tenants moved in.
I am as off today still receiving letters from creditors chasing my previous tenants, up to now I have been ringing the creditors, passing on my tenants forwarding details and have been following this up with a letter.
I was concerned about this in a few months, worrying that this may recorded against the property so I did a credit check with Experian and all came back fine. I listed myself as living at the property for the purpose of the check.
Can anyone confirm that credit is against the person and not the property?
Can anyone suggest anything else other than promptly calling the creditors when I receive letters?
I suspect this girl may be still using my address to try to fool the creditors. Is this a criminal offence and can I report this to the Police?
Any help will be greatly appreciated.
0
Comments
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Can anyone confirm that credit is against the person and not the property?
Yes, since 2004 you can only be linked to someone that you have a financial link with. MAy be even earlier that you can't be linked by address.I suspect this girl may be still using my address to try to fool the creditors. Is this a criminal offence and can I report this to the Police?
Only an offence for things like driving licences.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 -
may i suggest that you open one or two, and phone them to explain the situation debt collecting agencies rarely take any notice of "gone away" mail, as they assume it is the tenant doing it themselves.0
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Yes, credit checks/blacklisting against the property vanished in the early 90's, think the majority of personal links were tightened up around the same time but there were still a few grey areas - sons/daughters with same names were a bit tricky.0
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I have been opening them all and calling the credit agencies straight away to pass on the details. I was just worried that there may be doing something else that could help...0
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