Neighbour's registered his Barclaycard to my house and not paid his bill...

vikingaero

You need send two letters by recorded delivery both marked COMPLAINT. One to BC and one to Apex. Tell them that you will charge them £100 per letter (and whilst you are writing tell them that they will also be charged per telephone/mobile call/SMS and visit and any implied right of access is also removed) received in future. Tell them that they may reply ONCE BY LETTER to confirm that they have acknowledge your letter. Add VAT on to the £100 if you are VAT registered and file claims online.

GingerBob_3

MrVogon wrote: »

Thanks everyone for the advice - very handy. I shall heed it and simply send back the letters, unopened.

It's made a little more complicated by the fact that I don't want to fall out with my neighbours who are very decent people so I'd rather not embarrass them in any way.

You're right in saying that if the bailiffs do end up knocking on my door I'll be able to prove who I am.

All the best!

You don't need to, and as a matter of principle you shouldn't. You simply order them off your property and issue a verbal Withdrawal of Implied Right of Access (WOIRA) as you're doing so. If they contact you again, issue a written WOIRA and advise them that you'll sue them for harassment.

solentsusie

GingerBob wrote: »

You don't need to, and as a matter of principle you shouldn't. You simply order them off your property and issue a verbal Withdrawal of Implied Right of Access (WOIRA) as you're doing so. If they contact you again, issue a written WOIRA and advise them that you'll sue them for harassment.

Or you could of course send them next door to your neighbour. A bit more embarrassing than just talking to them in the first place and asking them to get their son to sort the address out....

pvt

vikingaero wrote: »

You need send two letters by recorded delivery both marked COMPLAINT. One to BC and one to Apex. Tell them that you will charge them £100 per letter (and whilst you are writing tell them that they will also be charged per telephone/mobile call/SMS and visit and any implied right of access is also removed) received in future. Tell them that they may reply ONCE BY LETTER to confirm that they have acknowledge your letter. Add VAT on to the £100 if you are VAT registered and file claims online.

Neither BC nor Apex has ever sent the OP letters, they misaddressed them to someone else who does not live at the OP's address.

For rather obvious reasons banks will not just take the word of someone ringing them out of the blue to advise them to change the address of one of their customers.

The OP has a number of options:

- Write "Not Known at this Address" on them and put them in a pillar box;
- Destroy them;
- Give them to their neighbour and remind them politely each time that the address needs correcting.

Marktheshark

We see this "opening other peoples mail" problems every week.
The advice is put them in the bin and ignore them.
Sooner or later people have to do this, once the debt collectors harvest your phone number and they will, your phone will be ringing off the hook daily if you have one.
You see they work on two fronts, first is a hooked fish is a hooked fish, the second is you are a liar trying to fob them off.
They never let go of that position, all you can ever do is make more trouble for yourself.
It can not damage your credit, so put the letters in the bin.
Eventually they will either give up or try to work out why they are now getting ignored, thus eventually realising you might have told them already.

Opening other peoples mail creates more problems than it ever solves and they get worse every time you do it.

planteria

solentsusie wrote: »

You don't have to embarrass them. Pointing out that you are receiving mail with the incorrect house number on that obviously belongs to their son is hardly embarrassing. They should actually thank you for it as you are making them aware there is a problem and being a good neighbour.

i agree. and you shouldn't really need to do any more. i would be keen to stress that you really do want them to ensure that the address details are changed too, and that still doesn't need to be embarrassing.

vikingaero

pvt wrote: »

Neither BC nor Apex has ever sent the OP letters, they misaddressed them to someone else who does not live at the OP's address.

For rather obvious reasons banks will not just take the word of someone ringing them out of the blue to advise them to change the address of one of their customers.

The OP has a number of options:

- Write "Not Known at this Address" on them and put them in a pillar box;
- Destroy them;
- Give them to their neighbour and remind them politely each time that the address needs correcting.

I've not advised the OP to ring BC or Apex. I'd advised them to write 2 letters as official complaints to them to cease and desist.

14-15 years ago when I moved into my current address, I continued to receive bills, statements and summons for the previous occupier. This culminated in a phonecall from Mrs Viking who said there was a bailiff at the door. I rushed home to be confronted with a meathead. But of course all bailiffs play by the rules don't they? Like f**k. I showed him our ID and house purchase forms/completion statement and he was still agressive and demanding money for his costs and threatened violence if we didn't pay. Of course we didn't have the knowledge back then about DCA's, banks and bailiffs that we have today and calling the Police - the internet was still dial up and there were no consumer help sites.

It really is about nipping the problem in the bud. I would open all letters to see what stage any debt is at and control the situation.

mozzy10

pvt wrote: »

What you describe is a completely different situation to the OP's.

The householder who received your incorrectly delivered (not incorrectly addressed) letters should just have put them back into a pillar box without writing anything on them, or perhaps been a good citizen and delivered them to you. They were wrong writing "not at this address", and that is what caused Lloyds to understandably take the action they did.

Well DUH I KNOW it's not the same situation.

I said they were correctly addressed in my original post. I also stated why Lloyds had blocked my card.

You seem to have completely missed the point of my post.........

It's an example of what can happen if you write "not at this address" on a credit card bill and put it back into the post!!

If the OP had done this from day one, then the situation may have been sorted earlier.

And, if I had ever known who HAD written on my bills I would have gone round and pointed out that they could have just put them back into the post instead of causing me a lot of faff!

pvt

mozzy10 wrote: »

Well DUH I KNOW it's not the same situation.

I said they were correctly addressed in my original post. I also stated why Lloyds had blocked my card.

You seem to have completely missed the point of my post.........

It's an example of what can happen if you write "not at this address" on a credit card bill and put it back into the post!!

If the OP had done this from day one, then the situation may have been sorted earlier.

And, if I had ever known who HAD written on my bills I would have gone round and pointed out that they could have just put them back into the post instead of causing me a lot of faff!

We agree then.