Ex wants loan in my address

j.e.j.

Guest101 wrote: »

As I said in another threads PINs are legally meaningless.

If there was a court order, part of that would've been the tenancy agreement.

Well, he certainly laughed his socks off at them.. :rotfl: But then he is a serial/career thug.

Guest101

Because they're meaningless

j.e.j.

Guest101 wrote: »

Because they're meaningless

As far as I understand it, they're a bit like ASBOs. Designed to punish or shame the offender, but in reality they're seen as a trophy, almost, by people of a certain mentality/criminality.

Jinx

OP I definitely wouldn't let the ex use your address for a loan. He doesn't need to, he can note his new address and your address as a previous address for a loan.


And I wouldn't forward his mail to him either, it doesn't change with the loan company that he's moved so any loan will be registered in his name against your address. Rightly or wrongly I'd open any mail that comes to my address and I'd shred any for loans. Now people will tell you this is wrong, well so is fraudulently obtaining loans and giving years of credit hassle to an ex partner.


You can actually contact the credit reference agencies and have a flag added which means lenders will see that there are additional checks required for a particular address. I did this when the person who moved into my ex LA flat used my name all over the place for credit and it took months to untangle. This situation is obviously much more involved....good luck.

Guest101

j.e.j. wrote: »

As far as I understand it, they're a bit like ASBOs. Designed to punish or shame the offender, but in reality they're seen as a trophy, almost, by people of a certain mentality/criminality.

They're not.

An a sob is a court order. And is public - by virtue of court being public.

A pin is a police information notice - not at all public or enforceable. It's a warning, at best.

pickledstar

I haven't had much support - Again I'm not going into it. You are just a number, noone cares. there was supposed to be support calls etc but noone bothered. I don't care and am ok on my own dealing with it. There is no evidence on how he was with me, theres no point in fighting the case, he is just an arrogant man who is a nasty bully. I've no fight left. He stood on my doorstep yesterday in front of the children swearing at me and telling me he is going to get the police as I am 'stealing' his mail.

Thank you for all your replies, when I receive the 'loan pack' hes waiting for I will give them a call. even if I forward it to his mums address, he will be able to apply as it will be the confirmation they needed that 'he lives here'

I do appreciate the straight talk too.

AngelOfTheNorth

Royal Mail have a scheme, designed to deal with junk mail, where you can refuse to accept any mail not specifically addressed to you. I don't know if it's possible to also refuse to accept post addressed to someone who is still a tenant, but may be worth checking. As much as anything though, I'd be worrying about making sure there's an official paper trail to use if HMRC think you're living together still and investigate your tax credits. I've seen a few women get into trouble letting an ex use their address for this type of thing. So maybe make sure GP, kids school etc are aware of the situation: people who could write letters of support if needed.

Guest101

pickledstar wrote: »

I haven't had much support - Again I'm not going into it. You are just a number, noone cares. there was supposed to be support calls etc but noone bothered. I don't care and am ok on my own dealing with it. There is no evidence on how he was with me, theres no point in fighting the case, he is just an arrogant man who is a nasty bully. I've no fight left. He stood on my doorstep yesterday in front of the children swearing at me and telling me he is going to get the police as I am 'stealing' his mail.

Thank you for all your replies, when I receive the 'loan pack' hes waiting for I will give them a call. even if I forward it to his mums address, he will be able to apply as it will be the confirmation they needed that 'he lives here'

I do appreciate the straight talk too.

Just remember credit and debt follow the person, so the implications on you are minimal at most

Guest101

AngelOfTheNorth wrote: »

Royal Mail have a scheme, designed to deal with junk mail, where you can refuse to accept any mail not specifically addressed to you. I don't know if it's possible to also refuse to accept post addressed to someone who is still a tenant, but may be worth checking. As much as anything though, I'd be worrying about making sure there's an official paper trail to use if HMRC think you're living together still and investigate your tax credits. I've seen a few women get into trouble letting an ex use their address for this type of thing. So maybe make sure GP, kids school etc are aware of the situation: people who could write letters of support if needed.

It's different if he's on the tenancy! Which clearly most people don't understand

rochja

Return post marked 'not resident at this address. Try [insert current address]. No deprivation of post. No lie. No formal agreement for handling of post received in absentia. When he asks the response is 'I am afraid of you and I am not answering the door to you. If you dont like it, sue. If you do turn up here I am calling the police.'