Bank letters with a strange name coming to our house

zazou

We keep receiving bank letter for somebody who has never lived at this address.
We have returned to sender with 'Does not live here' written on the envelope previously but keep receiving them.
Naturally we are worried about our credit rating and or being blacklisted.

All the bank says we can do is send the letters back, they wouldn't even take the address or name.

Should we be worried, what measures can we take to protect ourselves?

YorkshireBoy

zazou wrote: »

Naturally we are worried about our credit rating

Addresses don't have credit ratings...people do.

All the bank says we can do is send the letters back, they wouldn't even take the address or name.

Raise a complaint.

Hominu

You've done all you can, if you receive any more letters from said bank, raise a complaint and throw them in the bin.

JuicyJesus

YorkshireBoy wrote: »

Addresses don't have credit ratings...people do.Raise a complaint.

Hominu wrote: »

You've done all you can, if you receive any more letters from said bank, raise a complaint and throw them in the bin.

Why raise a complaint? They're entirely within their rights to not be chasing one of their customers just because a random person who they can't verify called up and said their address is wrong without any proof. Can you imagine the havoc someone spiteful could cause if they did that? And realistically, they've done nothing wrong - they've sent letters to their customer at the address the customer last gave them. These have not been returned undelivered or as "not known at this address" so they can assume they're going to the right place. Any fault lies with the customer for not updating their address details (an act which tends to bite them in the a*se sooner or later).

OP: Put the letters in a postbox with "not known at this address" written on them. The person concerned will probably have their accounts blocked and be chased, and the letters will stop coming. Your credit rating will be totally unaffected.

Hominu

JuicyJesus wrote: »

Why raise a complaint? They're entirely within their rights to not be chasing one of their customers just because a random person who they can't verify called up and said their address is wrong without any proof.

Complain because they are ignoring the letters being returned, and complain because it's basically harassment. If you don't complain they could be knocking on the door next asking for the person who doesn't live there.

They've contacted the bank who refuse to do anything, so the only thing left is to complain before it gets any worse.

JuicyJesus wrote: »

These have not been returned undelivered or as "not known at this address"

Err, they have, several times. You can't be expected to keep doing it forever.

robatwork

Hominu wrote: »

Complain because they are ignoring the letters being returned, and complain because it's basically harassment. If you don't complain they could be knocking on the door next asking for the person who doesn't live there.

How can it be harassment sending letters to someone else at your address?

It's not really difficult to just throw them away or pop them back into a letterbox.

OP - nobody will come knocking and your credit rating is your credit rating, not your address's.

daveyjp

Next one that comes open it and call whover is sending them. We had 4 from Northern Rock, called them, they knew 4 letters had been returned, but anyone can return mail, including the person it is for.

Once told the letters stopped.

typistretired

Or take into branch sometimes face to face is better. Take proof of who you are and address.

JuicyJesus

robatwork wrote: »

How can it be harassment sending letters to someone else at your address?

Yeah... it's kind of a thing that happens to virtually everyone. Those of us in rented accommodation see more letters addressed to other people than Postman Pat.

typistretired

robatwork wrote: »

How can it be harassment sending letters to someone else at your address?

It's not really difficult to just throw them away or pop them back into a letterbox.

OP - nobody will come knocking and your credit rating is your credit rating, not your address's.

I think they are concerned someone is using their address to conduct their affairs.

EarthBoy

Hominu wrote: »

Complain because they are ignoring the letters being returned, and complain because it's basically harassment. .

Only people can be harassed, not addresses.