Credit rating problem?

crystaljanet

My daughter has lived in her house for over a year now and keeps getting letters for someone who owes a lot of money, from various debt collecting agencies, as the debt is passed aroound. As this debt is attached to her house (but not her name) will this affect her credit rating in the future? She has contacted these agencies by email and they always acknowledge her emails, but continue to send out threatening letters. How can she get them to take this chap off her address and not contact the house again?

[Deleted User]

It won't affect her rating. Credit ratings are specific to a person, not a front door.

Send a formal notification in writing telling them that the person does not live there and to stop writing and update their files.

JohalaReewi

Hopefully, she is not opening these letters. She is just marking them 'not known at this address' and putting them back in the post?

larkim

I've got the same experience myself. Accidentally I opened one of the letters addressed to someone who I have no record of ever having lived at my address, and it was from the court service. I phoned them up apologetically and they were very understanding, said they would update their records. Subsequently had several more addressed to this phantom person, including having a bailliff turn up one day.

TO be fair, it hasn't actually caused any specific problem, but it would be nice to be able to get out of the loop. I strongly suspect that the culprit is the son (now adult) of the former householder and he is giving this address because he can run the postcode off from memory. I suspect him because today a letter was actually addressed to him at our address, for which the return address was a railway prosecutions unit. Perhaps the inspector forced him to show proof of his name this time.

Whilst I wouldn't suggest operating illegally by opening someone else's post, my experience was that if suspicious post got opened by accident (perhaps by an enthusiastic child at your home?) then the people that sent it are quite happy to have you get in touch. At least it means you are doing something, rather than just returning the post "not known at this address".

Matt

crystaljanet

Will advice her to just keep sending the letters back. She has in fact tried contacting the several firms but it doesn't seem to have done any good. But at least I will be able to put her mind at rest.

sew109

I had the same in my first flat collectors coming round and getting phone calls from people who would not believe it was not me, I changed the phone number and kept my passport to hand to show any collectors, it was not nice but I got the flat for a song as it was reposessed so I guess that was the price I had to pay