someone is paying home insurance for my flat!!

daniesto

I opened a letter addressed to my flat (didn't really check the name as I am the only person who live here) and as it turns out someone has been paying home insurance for my flat. I am rather puzzled by what is happening.

The letter is a home insurance renewal document/ form from Legal & General. Address to Mr & Miss X, as the home owner and have been paying £17.45 per month for last 12 months. There is a mini statement that shows last year payments (2018). Now, I bought this flat last year from Mr & Miss TR (not from Mr & Miss X, whom I have never heard of, until today).

I called Legal & General and reported this. They of course withheld any information regarding to the couple however I insisted Mr & Miss X do not own this property at all. They have asked me to return the letter. I am not entirely convinced therefore I am seeking advice as to what I should do next.

All help are welcome

Thanks.

AdrianC

Why aren't you "convinced"? Just return it.

Somebody's simply picked the wrong address.

googler

How many flats are in the building, what number is yours, is there another flat that is likely to have been mistyped or mistaken for yours ....?

Are there similar blocks of flats in the area, and could the block be mistaken for another?

What are you not "convinced" of? The possibility that this is a simple administrative error, or something else?

Do you not feel inclined to ask around the building, or the area to see if you can find Mr & Miss X?

daniesto

I am not convince the way Legal & General operator spoke to me, maybe I am being paranoid. Perhaps I was looking for an explanation and I did not get one. There are about 60 flats here. The documents were consisted of 7/8 pages and few of them had my address and their names as property owners. A mistake that too?

I know who lives on 17 flat and definitely not Mr & Miss X. This by any means no scam I hope.

daniesto

I am no 7 and it was addressed to no 7.

powerful_Rogue

daniesto wrote: »

I am not convince the way Legal & General operator spoke to me, maybe I am being paranoid. Perhaps I was looking for an explanation and I did not get one. There are about 60 flats here. The documents were consisted of 7/8 pages and few of them had my address and their names as property owners. A mistake that too?

I know who lives on 17 flat and definitely not Mr & Miss X. This by any means no scam I hope.

Of course it's a mistake. They don't type the details on each page, it's autopopulated after being typed in once.

sal_III

Just return the letter to sender informing that the addressee doesn't live at address. As you were told by the L&G over the phone, what is so difficult or odd in that?

There could be million reasons for the mistake - technical error, typo, computer glitch, old occupants falling victims of auto-renew.

AdrianC

daniesto wrote: »

I am not convince the way Legal & General operator spoke to me, maybe I am being paranoid.

Yes, you really are.

Perhaps I was looking for an explanation and I did not get one.

An operative in a call centre gets a call, saying "This has come to the wrong place". And you expect an explanation? If they knew why, they wouldn't have sent it, would they...?

This by any means no scam I hope.

<sigh> Yes, they're insuring your flat so they can burn it down for the payout...


No, they probably simply picked the wrong address on a comparison website and didn't notice.

DevilsAdvocate1

I wonder if they owned the flat previously (not the people you bought from but before that) and with the way insurance automatically renews these days, have been paying insurance for years after they've moved out.

Cakeguts

More likely that someone with a degree in home economics and drama from a university that offer degrees worth about the same as a roll of toilet paper has typed in the wrong address and or the wrong name. If you try to do anything that requires paperwork these days it nearly always comes back wrong. Lots of people are going to university but there seems to be getting less and less of the population who can actually read and type correctly.

daniesto

DevilsAdvocate1 wrote: »

I wonder if they owned the flat previously (not the people you bought from but before that) and with the way insurance automatically renews these days, have been paying insurance for years after they've moved out.

This is what I concluded too.