Letter from bank we dont hav acct with...

MissyMaddyMoo

This morning i recieved two letters to my house from a bank my oh and i dont use.

it was to this address but with other names-does this mean that someone has taken out accounts on this address and that it will affect our credit rating...and what can i do???!!!

many thanks


(hi from a newbie btw!!! )

zppp

MissyMaddyMoo wrote: »

This morning i recieved two letters to my house from a bank my oh and i dont use.

it was to this address but with other names-does this mean that someone has taken out accounts on this address and that it will affect our credit rating...and what can i do???!!!

many thanks


(hi from a newbie btw!!! )

Welcome to MSE!

The easiest thing to do is to send it back 'return to sender'. Put addressee unknown and that should suffice.

rb10

Definitely return to sender, as zppp suggests.

It won't have any impact upon your credit rating, as that is personal to you (& possibly between others who you hold a joint account with too).

It could be something really simple - e.g. transposed the letters in a postcode to get the wrong address.

Wasteofspace

Just a punt, Santander?

With the recent transitions from A&L and B&B a lot of people have been receiving letters sent out for accounts they thought were closed years ago. It is possibly someone who held an account perviously while at your address.

WhiteHorse

Letters like these may be computer idiocy, fraud, or past debts catching up with someone. They can turn nasty, so they are better dealt with.

Generally, returning to sender (see the 'undelivered' address on the back), is a waste of time because it's a third party mailing company. They are supposed to action returned mail, but this rarely happens.

Better to write to the banks Data Protection Officer, enclosing the letter (keep copies of everything), pointing out that it has been wrongly addressed and that their database is in error.

daniel598

Let me guess Halifax??

DrSyn

Suggest you do all WhiteHorse advises (send by recorded delivery post). Alternatively find the name and address of thr banks chief executive and send it to them, again keep copies of everything sent).

You might also for peace of mind get a copy of your credit report and check it for accuracy. To find out more about this just type
"credit report" into search box on this site.

Hope all is ok!