Mail for my ex-husband being sent to me - how?

Hovel_lady

maryroberts wrote: »

Forgot to ask Mary - what does PPR'ed mean?

Posting privileges revoked.

(Hope you don't mind me answering marywooyeah )

DVardysShadow

DebtFreeWannabes may have more to say about this -but this is my take.

DFW's are aware that if someone appears on the radar of one of the Credit Referencing Agencies, [Equifax, Experian, Call Credit] they will snitch to any creditor who presumably has offered a fee for information on the whereabouts of named individuals - or perhaps they just make available a database of people who are new or just back on the radar.

You have just come back from abroad. So you must have got yourself a bank account or done something to get yourself noticed by the Credit Referencing Agencies. That does not fully explain why you are getting correspondence for your ex. I would suspect that if you get your credit files from the 3 agencies, you still have a financial association recorded with your ex.

Does this seem likley?

marywooyeah

Hovel_lady wrote: »

Posting privileges revoked.

(Hope you don't mind me answering marywooyeah )

I do actually! :rotfl:

Hovel_lady

marywooyeah wrote: »

I do actually! :rotfl:

Sorry
I shall go and tell myself off

Lovelyjoolz

Blimey. I would freak out if this happened to me! It sounds like you are still financially linked to your ex on your credit files. You should get that link broken asap as it may adversly affect your credit rating in the future.

Get your credit file from each of the three agencies and check. Then write to the ones that have you linked to your ex and tell them to remove the association from your file.

coolcait

Will Lloyds give a detailed explanation?

Might they - genuinely or otherwise - invoke the 'Data Protection Act' as a reason for not giving you anything other than an apology for any inconvenience caused?

I agree that a check of your credit file is important, to make sure that no other nasty surprises are lurking. That's probably more important than writing to Lloyds, TBH.

maryroberts

Thank you - I continue to use the same bank account that I've had all my life, and have not applied for any credit since being back in the UK. I've just bought a house (cash) but that is a different address and is in my sole name.

I will get my credit files as suggested - we only ever had a joint mortgage but that ended 8 years ago, never had any joint accounts.

Whatever has happened should not have - I still can't get my head around why Lloyds would suddenly change his address from Greece to here, without any request from anyone. In this instance it was only a stock letter about credit cards, but what next, will they be sending his renewed credit cards & statements here? Obviously I will inform my ex because I am honest, but some people might not be.

maryroberts

Here is an update - over 2 months ago I contacted Experian as kindly advised on here. I checked my credit reference and there was indeed still a joint financial connection with my Ex. I asked them to delete this reference, which they confirmed. I got NO response whatsoever to the letter I sent to Lloyds TSB.

What had arrived in the post today? Another letter addressed to the Ex! I have not opened it but I can feel that it contains a credit card and I know it's from Lloyds TSB as the sort code is visible.

Please can anyone advise my best course of action? I have several options:-

1. Return the letter to Sender but this will not get to the bottom of the matter

2. Forward the letter to my Ex in Greece and let him go ballistic on the phone to his bank long distance. But I don't want him to know my address here in the UK which he will see on the letter

3. Go into a Lloyds branch, give them the letter/card, explain whole situation and let them deal with it and presumably send his card to Greece.

Basically, I want my Ex to know what has happened so that he can deal with his bank directly. But I also want some sort of explanation from Lloyds too, but from some sort of head office. Any advice please?

sassyblue

There are 3 email addresses on this list OP, go straight to the top

http://www.ceo email.com/

(Copy and paste into your address bar and then delete the space between o and e)

pink68

Hi Mary,

i worked for a bank for many years so this is my take on it.

Open the letter, if it is junk 'return to sender' and pop it in the mail box.

If it is a credit card, cut it in two and sellotape back to the letter and again return to sender.

Check your credit agencies again to make sure someone is not using your address. If it is a rogue connection Lloyds have made (tho I cant imagine why or how) just keep sending it back.

If you dont want your ex to know your address dont send it to him or contact him about it, if he phones Lloyds about it they will want the address as ID.

Just keep sending it all back. 'Not known at this address'.

Sometimes it can take the returned mail unit a few months to deal with as backlogs are huge and return from this is low for the bank so staffing levels are rubbish.

Just smile and pop it all back in the nearest letterbox. Again, and again and again. :T