Advice Please...

bluepop

I'll try and keep it short....

My now Ex partner left our home aug 2008, and we have not had contact since...
Two months ago I started to receive letters from Natwest bank detailing bank accounts in which he has gone over the overdraft limit on them.
I have rang them to say he no longer at this address since 2008, they would not tell me when these accounts were opened.
We were together 15 years and we both banked with Lloyds and neither of us had any association with Natwest.
All they will say is because of data protection they cannot tell me anything, which is fair enough but now, they have put a recovery process in place and I'm terrified bailiffs will be at my door for no good reason...
I have managed to speak to him he told me the accounts were opened less than 6 months ago, surely this is fraud?
The last letter I have now received even states his other womans name at my address and she has obviously never lived here...

So. 1. Is this fraud to use my address

2. What protection /rights do I have

3. Is my address now becoming black listed?

Any advice appreciated, thank you inadvance.

MusicalLawyer

I don't think there is such a thing as 'blacklisting'.

If the debt isn't in your name you do not need to worry about it. They can send bailiffs all they like - but they cannot enter your home unless you let them in, and sign a form - so DON'T do that!

bluepop

I supose what I meant as black listing, is, will my address now have a poor credit record, I myself have no debts other than my mortgage and normal household bills..

XXSCOTSLASSXX

They may well have tried to contact at the current address and had no response therefore have resorted to contacting other addresses on his credit file?? Opening mail that is not addressed to you is illegal tho, I would note on the envelopes not known at this address and return to sender they will soon get the message ...

. re the address being blacklisted.... credit rating etc is rated on the individual person nothing will be noted on the actual address... stop contacting the creditors and just return all mail to sender he no longer lives there it is not ur problem if he has listed your address for credit etc it is up to the creditors to sort it out....

bluepop

Im aware of opening mail that is not addressed to me, but i've been told once it hits my mat in my house and I have good reason to open it, I can.

XXSCOTSLASSXX

bluepop wrote: »

Im aware of opening mail that is not addressed to me, but i've been told once it hits my mat in my house and I have good reason to open it, I can.

to be honest am not 100% sure the postal act does state tho...

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.

5)A person who commits an offence under subsection (1) or (3) shall be liable on summary conviction to a fine not exceeding level 5 on the standard scale or to imprisonment for a term not exceeding six months or to both

to be on the safe side I would take nothing to do with it just return all mail to sender... should your ex get annoyed/complain that you now know personal financial info etc it may get messy.... your credit report etc wont be affected by any of this and if anyone was to turn up at the door you just state the truth he does not live there x

jtr2803

Addresses do not get 'blacklisted', people get blacklisted.

You should not be opening any mail that does not have your name on it, regardless of whether it comes to your house or not (Although I can see why you have). Take it into a branch, give it to them and explain the circs...