Someone using our address for credit

Kira000

drewT65 wrote: »

I didn't think that Bailiffs could take legal ownership of anything if the debtor didn't own the item. i.e if they came , saw the company car outside, they couldn't take it as I didn't own it.

I may be wrong, but as far as I am aware, there is nothing left in the house that he has ownership of or that isn't in my partners name.

I think this was in response to my post... you are right, they cant take anything that doesnt belong to the creditor.. however some bailiffs can be more action and less listen, hence my advice to have proof of ownership handy of that the car and household contents at your address are indeed yours, incase they come looking to get assets from him.

drewT65

Kira000 wrote: »

I think this was in response to my post... you are right, they cant take anything that doesnt belong to the creditor.. however some bailiffs can be more action and less listen, hence my advice to have proof of ownership handy of that the car and household contents at your address are indeed yours, incase they come looking to get assets from him.

I see your point, and bow to your knowledge.:)

Kira000

drewT65 wrote: »

WELL!
There was one credit search in her name though.
She had tried for a store card sometime earlier this year, however that's the only one she can remember, but the search was for Santander credit card. She told me that she never tried this with them. Could the store in question be linked with this search and Santander ?

Hmm. Santander do own an awful lot of other companies now as subsidiaries, so it is possible that the store card search is related to the credit card search. Possibly worth a bit of research to see who provides the credit for that particular store card. You could try the store head office and ask. But the tiny T's and C's for the store card may well have a bit saying who the credit is provided by.

In terms of becoming separated from him on the credit agencies, if any of them are being difficult, your partner may need to provide proof of financial separation. If there is no official paperwork, then you might need to pay to get a sworn oath notarised at a solicitors, taking with you any proof of separation- ie, his name coming off bills, council tax, etc.

Oh, and have you checked with Callcredit as well as experian and equifax? Its the third of the big three agencies, so best to cover that one as well.

antrobus

drewT65 wrote: »

.....

Question there though. Are we legally allowed to open his mail?

From the Postal Services Act 2000 s84(3)

A person commits an offence if, intending to act to a person’s detriment and without reasonable excuse, he opens a postal packet which he knows or reasonably suspects has been incorrectly delivered to him.

It is therefore perfectly legal to open any mail that you receive, so long as you either a) have a 'reasonable excuse' or b) have no intention of causing anyone any 'detriment'. Which is apart from the fact that (in the circumstances outlined) it is arguable that any mail delivered to your house addressed to the estranged husband as actually been 'correctly delivered' to the address specified by said estranged husband.