Help! I am still receiving loan statements from my ex!

Mission1

Hi, I split up with my partner 3 years ago and he has not bothered to update his address for a loan he took out, he now lives in Australia and is not paying the balance. I still keep receiving letters from the bank (addressed to him only) for payment. I have informed the loan company that he no longer lives at this address, but they still keep sending letters. I have no forwarding address for him. Will my house be black listed? Any help on this matter would be really useful as I don't want the bailiff round. Thanks

brettcta

i'm not much help, but they may be chasing you for it because you're at the address and because he's unreachable in australia. give them a call.

InsideInsurance

Remember it is illegal to open mail that is not addressed to you. If anything turns up, leave it unopened, cross out the address, write across the front "Addressee gone away - no forwarding address" and put it in the post box, no need to pay for postage etc.

No one and no property is ever "blacklisted", its all an urban myth. On his credit record there will be any defaults etc marked against him and a GAIN (gone away information network) record. If you have any shared financial products then that will affect you. If you did but they are all closed/ settled then it would be sensible to file a notice of disassociation to ensure he isn't going to impact you.

McKneff

It's not illegal to open someone elses post, only illegal if you are going to act on it inappropriately.

But personally, I would just keep marking the envelope 'return to sender' or 'not at this address'

fluffnutter

InsideInsurance wrote: »

Remember it is illegal to open mail that is not addressed to you. If anything turns up, leave it unopened, cross out the address, write across the front "Addressee gone away - no forwarding address" and put it in the post box, no need to pay for postage etc.

No one and no property is ever "blacklisted", its all an urban myth. On his credit record there will be any defaults etc marked against him and a GAIN (gone away information network) record. If you have any shared financial products then that will affect you. If you did but they are all closed/ settled then it would be sensible to file a notice of disassociation to ensure he isn't going to impact you.

It's not illegal to open mail per se. It's only a crime if you use that information for fraudulent or malicious purposes. Don't worry too much that you've opened some mail already. Having said that, it's not a bad idea to merely return it but, given that you've already contacted the bank and told him he no longer lives there, I'm not sure this will make much difference.

As InsideInsurance says addresses aren't blacklisted so don't worry about this affecting your credit rating. However, unhappily this doesn't necessarily stop debt collectors calling at your door. If they do, remember they have no powers to enter your property or remove any of your belongings. Ask them to leave and if they threaten or harass you, simply call the police.

Make sure you don't have any joint loans or financial products together. I'd probably write to the bank/loan company (which is it? Are you getting letters from more than one place?) advising that he no longer lives there and that they are to cease contacting him at your address. I believe it's against the law for them to keep doing so.

fluffnutter

Put simply, Mission1, nothing untoward can happen to you because of your prior association with this guy (provided you don't have joint loans). You can safely ignore and it will probably go away of its own accord, or you can be a bit more proactive and advise these companies that he no longer lives there. If they persist then follow their complaints procedure. Or just ignore it and send them all back 'Not known at this address'. Up to you. But try not to worry.

Mission1

Hi everyone, thanks so much for all your useful advice. Just to clarify I did not open the letters, the tenant who currently lives in my house did, by mistake. I will make sure that all future letters are sent straight back to Santander and I have already informed them he know longer lives at this address. Thanks again! :T