Ex girlfriend's bank statements still coming through the letter box?

eskbanker

Jlawson118 wrote: »

the thing that bothers me is that I don't want her using this address anymore to then maybe apply for loans, credit cards.

I mean she was always talking of saving up for a new laptop, and she wanted the best, most expensive ones so she could game on it, so they're well over £1000 and she wanted to finance one. Again, I wouldn't want her using this address for that.

As pointed out in post #3, "Sharing an address does not create a financial link", so, while your desire to tidy things up may be understandable, it's not actually an issue in terms of impact on you and your finances.

Jlawson118 wrote: »

I don't think she's allowed finance though. She wasn't a native to the UK and so she won't really have a credit report

If she has a bank account with TSB, what gives you the impression that she wouldn't have a credit file and/or access to other financial products and services?

Lith

Zanderman wrote: »

So, er, they don't have to be written in red for a successful RTS.

It just makes life easy for you if they are!

Glad that's cleared up and that RM's online advice is perfectly accurate.

If they're not in red, they're put on the *back bench* waiting.

they'll get through in the end but like i said lol..

custardy wrote: »

So I take it RM no longer use blue crayons?
I know the answer but feel free to educate me on how these blue crayons fit in your RTS process.
I note you you wrote MC member,not worker. IME this is very true of many MC staff.
All rules and why stuff cant be done instead of actually getting on with getting mail into peoples hands.

Yea we use felt pens and crayons we haven't advanced much. :rotfl:

custardy

Lith wrote: »

If they're not in red, they're put on the *back bench* waiting.

they'll get through in the end but like i said lol..




Yea we use felt pens and crayons we haven't advanced much. :rotfl:

why are they blue then? Given red is apparently the official colour.

Lith

custardy wrote: »

why are they blue then? Given red is apparently the official colour.

Who knows lol,


all i know is RTS are marked in red (ones that are a diff colour? get put on a waiting list somewhere before processed)

custardy

As I said. Mail centres,all rules and not getting on with the job (which should be) in hand.

Jlawson118

eskbanker wrote: »

As pointed out in post #3, "Sharing an address does not create a financial link", so, while your desire to tidy things up may be understandable, it's not actually an issue in terms of impact on you and your finances.

If she has a bank account with TSB, what gives you the impression that she wouldn't have a credit file and/or access to other financial products and services?

It was a very basic account as far as I remember. Like I know there's certain banks and accounts that run a credit search but then there's basic accounts for those with next to no credit reports, it's one of them as far as I know.

I know that will generate a report for her, but she's only had the account around 18 months so I can imagine even if she does have a credit file, it'll be a very low score as there'd be hardly any history there

firely2327

eskbanker wrote: »

As pointed out in post #3, "Sharing an address does not create a financial link", so, while your desire to tidy things up may be understandable, it's not actually an issue in terms of impact on you and your finances.

QUOTE]


Maybe not, but personally, on principle, I'd try and stop anyone else using my address. What if you end up with bailiffs knocking on your door. More hassle than it's worth trying to explain it to them. Previous owners of my property applied for a new credit card and new phone contract using my address nearly a year after I bought the place and about two weeks apart. Envelopes were marked with company name and, not having had mail from these companies in their name arriving here in the first year (other companies yes, but not these companies). First came the phone one, which I put in the recycle bin, then the bank one. There was an obvious feel of a card in there so I opened it, saw that it was a new account, so fished out the phone one and saw it was a new account too. Contacted both companies directly and the bank tel number, written on the card, directed me to an automated system. I put in the code on the letter so that I could be directed to the right service and when I did was told that the card was now activated, goodbye! So armed with a validated credit card with £2500 limit:D I promptly went to the local police station and explained to them. It took them 45 mins to get through to an actual person on the banking system. Bank said the previous owners had committed fraud by using my address, as did the phone company the next day.


It's in nobody's best interest to use an address they no longer should.

eskbanker

But to a certain extent that proves my point - if you hadn't opened up the correspondence then you'd have been none the wiser, with no hassle and, more importantly, no impact on your credit files, etc.

If you'd followed the recommended practice of returning the letters to the senders (rather than either binning or opening them) then it would have been in the bank's and the phone company's hands to sort out, unless of course the letters didn't make it past obstructive (or perhaps colour-blind) Royal Mail employees

If a dispute/debt ultimately arose in the event of returned letters not making it all the way through to the senders, you'd become well aware of it long before any bailiffs got involved!

Don't get me wrong, as I said I do agree that it's worth trying to tidy things up but only in the right way and for the right reason....

colsten

Jlawson118 wrote: »

She wasn't a native to the UK and so she won't really have a credit report

Many people living in the UK aren't 'natives' (however you may define that), yet still have records with credit reference agencies. CRAs don't distinguish by nationality or country of birth, and nobody gets born with a CRA record, not even British citizens.

alanq

Having someone use ones address could cause other complications. e.g. If there is only one resident then a reduced amount of Council Tax is due. The Council may use Credit Reference Agency information to verify the number of residents.

"Applications for discounts will be verified and subject to periodic review. The council may use third party organisations to carry out such checks using financial and credit referencing information."

http://www.northampton.gov.uk/info/200028/council-tax/106/council-tax-discounts/2