Effect of unauthorised use of address

Marcus_Cooper

Hi all - we have just found ourselves in an odd situation and are wondering if it will affect our credit scores and what we should do about it.
My wife's brother got divorced last year - his ex-wife has been living in South Africa for 3 years and at the point she left she stopped paying a lot of accounts (mobile phone etc.) so we assume she has a bad credit score and a lot of red flags on her name.
She recently visited over Christmas to see her daughter and had a new bank card delivered to our address without asking or informing us (she asked her ex husband and he refused at his address).
So - is her bad credit file now linked to our address? Is there some way we can remove it? Should we contact the bank and/or return the bank card?

[Deleted User]

There's no address "blacklists".

Credit is linked to a person not an address.

If she ever gets into debt on the card then people may come knocking at your door and sending letters addressed to her to your address, yes

Marcus_Cooper

She won't be back in the UK again for the foreseeable future, and we weren't planning to send the card on to her - should we return it or destroy it?

[Deleted User]

You could return it as person not at this address, sure