PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Possible blacklisted address

nathorpe
nathorpe Posts: 14 Forumite
in House buying, renting & selling
Hi,

I'm new to the forums, and thought I'd sign up to benefit from your wealth of experience!

I'm a first time buyer, and if everything goes to plan should be exchanging contracts next week.
The flat I'm buying is a repossession (no wait, come back!) and although I've heard the horror stories, things seem to have gone relatively well so far.

Obviously the previous occupant has defaulted on their mortgage, so that got me wondering - who else do they owe money to?
My mum's a landloard and has had problems in the past whereby a tenant has done a runner, and the new tenant has been unable to apply for anything - credit cards, loans, mobile phone contracts, tv and internet packages - because the address has a history of bad credit.

Is this something I need to worry about?
Is there any way of finding out if this is the case, without the hit and miss approach of just waiting until I apply for something?
And if it is it the case, is there anything I can do to get the address de-blacklisted?

Thanks

Comments

  • silvercar
    silvercar Posts: 49,739 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    It is people that are black listed, not addresses.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • GDVS
    GDVS Posts: 134 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    nathorpe wrote: »
    Is this something I need to worry about?
    No. Credit records are linked to a person, not an address.
  • nathorpe
    nathorpe Posts: 14 Forumite
    GDVS wrote: »
    No. Credit records are linked to a person, not an address.
    silvercar wrote: »
    It is people that are black listed, not addresses.

    Lovely, that's what I thought. It's just the experiences of some of my mum's tenants that planted the seeds of doubt in my mind.
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Although the above is true, you may receive letters to the previous occupant demanding money, oreven bailiffs at thedoor who donot know he's moved.

    Best advice is to keep photocopies near the door to show them. Once they know, they'll go away:

    * your ID (passport etc
    * a utility bill in your name
    * your Land Registry Title (show date you purchased)
  • nathorpe
    nathorpe Posts: 14 Forumite
    Great advice, thanks.
  • worried_jim
    worried_jim Posts: 11,631 Forumite
    10,000 Posts Combo Breaker
    If anybody ever turns up (they won't) just tell them to foxtrot oscar and stop trespassing on your property- it's not your problem so don't worry about it.
  • Guest101
    Guest101 Posts: 15,764 Forumite
    worried_jim wrote: »
    If anybody ever turns up (they won't) just tell them to foxtrot oscar and stop trespassing on your property- it's not your problem so don't worry about it.

    If there's a court order - eg for council tax, they will turn up. AND if there's utilities owed, they may also turn up to put in prepaid meter.

    You'd be best to put a notice on your door, stating that the previous occupant has now left, and it has recently been bought
  • Old_Git
    Old_Git Posts: 4,751 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Cashback Cashier
    Guest101 wrote: »

    You'd be best to put a notice on your door, stating that the previous occupant has now left, and it has recently been bought
    So if I owe a zillion quid to someone I could put a note on the door saying I have moved and they will believe me ;)
    "Do not regret growing older, it's a privilege denied to many"
  • Guest101
    Guest101 Posts: 15,764 Forumite
    Old_Git wrote: »
    So if I owe a zillion quid to someone I could put a note on the door saying I have moved and they will believe me ;)

    or have them enter when you're out and install a prepaid meter, maybe take a look in your drawers....
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 599.9K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture