House on blacklist

spursoliver

Firstly sorry if this is in the wrong place but I can't seem to post where I want to.


I was hoping someone could help me, I have recently been told by my bank manager that there is a blacklisting on my house; I’ve owned my house since 2005 but from January 2009 to May 2013 I rented my house out to several different tenants and I know for a fact that over the last couple of years at least two separate tenants have racked up an enormous amount of debt and left the property owing money to various different companies. I have tried to let companies know along the way that the specific tenants don’t live here anymore. One such tenant owed a lot of money on a car she had on finance and I believe that she may have even sold it while being financed, my last lot of tenants who were Polish had applied for various different loans and credit cards and we are still getting letters through to this address for people that weren’t even registered to live here. It seems that they have been using my address to apply for credit when they shouldn’t have even been living here. It is my understanding that utility companies can get a house blacklisted but it is against the law? In fact the only time a house can get blacklisted is if there has been some sort of fraud?


My question is how do I get my property off the blacklist, when as far as I’m concerned it shouldn’t be. Its affected my credit ratings and all sorts which isn’t fair. I also want to sell the property at some point in the near future and I want to be able to get a new mortgage etc.
Is there a way of finding out what has caused it and how to get rid of it.


Thanks for any help.

MCGONIS

Hi.

It's really strange you mention your house on a blacklist. As this very website states...

"There's no such thing as universal credit ratings, or blacklist!
Every lender has a 'perfect customer' wishlist, so a rejection from one isn't a rejection from all. Each judges you differently, the list varies for each product and scoring systems are never published.
The tools they use to decide aren't universal, either. As well as your credit file, they also look at application info and any past dealings they've had with you."


And yet today on MSE news they put this....


An oil worker placed on a credit blacklist in a row over payments for a laptop computer he bought 16 years ago has won his case in the Supreme Court.

I am now very confused. Not that my reply with help you I am afraid.

So is there a blacklist or not? (although I know the answer already!)

But why keep making reference to one?

The_Boss

As above, houses cannot be blacklisted.

With regards to individuals, I guess defaults and CCJs are a sort of blacklist...

Thrugelmir

Companies can blacklist any customers they wish to.

spursoliver

Thanks for all your replies, I'm very confused as to what is going on as I've been told its not me its the house. I know one tenant potentially committed fraud with a car, so can DVLA blacklist a house?
I'm gonna have to find out how it's been blacklisted and who's caused it but I have no idea where to start.

Hazzinho

They are talking rubbish, you can't blacklist a house, we'd all have to know credit history of the previous occupants.

CKhalvashi

As I understand it, a company can refuse to deal with a house.

The fact is that a credit history is personal, and unless there's a financial link between people (through a joint account, joint loan etc), then there's no concern for any future occupants.

I'm linked to my OH, who I have various joint accounts and have had joint mortgages with, but I'm not financially linked to my neighbour, who has paid several cheques into my account in the last few months.

CK

themull1

About 22 years ago, i lived in a house where the whole area postcode was blacklisted, and although our credit was good, we couldnt get any whilst living in the house, so, yes, it definitely used to happen.

PaulW922

A credit provider can of course refuse to deal with anyone if it chooses. The most likely thing that has happened is that a CIFAS (fraud indicator) has appeared attached to the address. This would be to warn potential lenders that the address has been connected with dodgy applications in the past. Potential lenders cannot refuse credit on that basis or imposes punitive rates but it does mean that any application from there, or associated with that address will be thrown out of the automated process and looked at manually. That means no instant credit or instant online approval.

I suggest you get a copy of your credit file at that address and see what appears. If for some reason you are personally linked to any bad debt you can then deal with that. It would also be worthwhile making sure that any outstanding debt is not linked to you. Otherwise you could end up with a bailiff at the door who may not immediately believe you are not the debtor! (If that should happen be prepared to show them ID - some people will say that this is an invasion of privacy etc etc but if you put yourself in their shoes it may not seem so unreasonable)

spursoliver

themull1 wrote: »

About 22 years ago, i lived in a house where the whole area postcode was blacklisted, and although our credit was good, we couldnt get any whilst living in the house, so, yes, it definitely used to happen.

My Mum and Dad's property was blacklisted about 20 years ago, so I guess it is possible, of all the things I've found out, it is very possible for a house to get blacklisted but it is illegal!

spursoliver

PaulW922 wrote: »

A credit provider can of course refuse to deal with anyone if it chooses. The most likely thing that has happened is that a CIFAS (fraud indicator) has appeared attached to the address. This would be to warn potential lenders that the address has been connected with dodgy applications in the past. Potential lenders cannot refuse credit on that basis or imposes punitive rates but it does mean that any application from there, or associated with that address will be thrown out of the automated process and looked at manually. That means no instant credit or instant online approval.

I suggest you get a copy of your credit file at that address and see what appears. If for some reason you are personally linked to any bad debt you can then deal with that. It would also be worthwhile making sure that any outstanding debt is not linked to you. Otherwise you could end up with a bailiff at the door who may not immediately believe you are not the debtor! (If that should happen be prepared to show them ID - some people will say that this is an invasion of privacy etc etc but if you put yourself in their shoes it may not seem so unreasonable)

Well that seems very possible what you said in your first paragraph, and most likely I guess. My credit report isn't great but from what I can see its only due to money I owe on credit cards. I haven't had any dealings with Bailiffs while I've been living back in my house, but it took a few months when I first moved in to make sure that didn't happen. Bailiffs had been visiting one of my tenants about a previous tenant but that slowly stopped. can only assume it is something to do with said tenant as she owed to so many people including the council and car finance etc.