Ex wifes credit card debt letters coming to my address still

TheRocketSurgeon

Hi,

My ex has cleverly managed to run up a 5k credit card bill since she moved out, but her correspondences have always come to my address, our family home. I spent a while giving her the letters and she did sweet FA about calling the company to change them. Now her letters state that she has a black mark on her credit and the agreement has been cancelled.

I've called them a number of times in the past to advise them that they had the wrong address. half the time they'd say "Thanks for letting us know, we'll update our records, we promise you'll never get another letter sent to your address" the other half it's been "Sorry, we're legally obliged to send them to the recorded address and can never ever stop that". The last time I called it was a case of the former, and it did seem to work, but now I get this "final" letter to my address still.

I called the money advice service a while back, immediately before this last call, and they said there is nothing at all stating they need to send the letters, and it's just stupid if they don't change the address. They also advised me that there is no way at all that her getting a bad rating will affect me / my address at all due to a change in the way credit was tracked a decade or so ago.

But where I stand now I have to presume that debt collectors will start calling at some point. And my experience with them is that they take a hell of a lot of convincing when you say that they've got the wrong house...

Any clarifications over how I should feel about this all? Just ignore it? Work to tell some other relevant body somewhere that she doesn't live here?

I've no idea what her plan is with it all, but she certainly appears to have one. Maybe she thinks that having moved house the debt won't track her down somehow?

cajef

Just put them back in the post marked 'Not resident at this address, return to sender'.

[Deleted User]

Do you know her current address?

YorkshireBoy

TheRocketSurgeon wrote: »

They also advised me that there is no way at all that her getting a bad rating will affect me

That's true so long as you're not financially associated. Are you? Maybe you should check your credit files.

McKneff

You keep saying 'she doenst live here'


Perhaps you should start saying 'she lives at ....xxxxx


That is the only way they will stop....

TheRocketSurgeon

McKneff wrote: »

You keep saying 'she doenst live here'


Perhaps you should start saying 'she lives at ....xxxxx


That is the only way they will stop....

I have, many times, and when I have they've said that tey'll update their records.

TheRocketSurgeon

cajef wrote: »

Just put them back in the post marked 'Not resident at this address, return to sender'.

How do I put a bayliff back in an envelope?

McKneff

nowhere in your post does it actually say that you have informed them of her address, only that you have told them that they have the wrong address, or that she doesn't live with you.....????

TheRocketSurgeon

McKneff wrote: »

nowhere in your post does it actually say that you have informed them of her address, only that you have told them that they have the wrong address, or that she doesn't live with you.....????

Sorry I thought it was evident that I'd have told the credit card company that, I guess I wasn't clear enough. Yea, I've given them her new address 3 or 4 times now.

jonesMUFCforever

They won't accept a new address from you only her.
If you return any correspondence to sender (and if this includes a statement) they will block the card until she gets in touch.

TheRocketSurgeon

jonesMUFCforever wrote: »

They won't accept a new address from you only her.
If you return any correspondence to sender (and if this includes a statement) they will block the card until she gets in touch.

There is no card anymore. The agreement is cancelled and the debt is being sold on with her credit rating being screwed for 6 years.

I'm so confused how a credit card company can say, multiple times on each case, that they will definitely update their records with the provided details and that it's illegal for them to do so...