Demanding letters from bank

dreamon100

Hi, the issue is as follows. We moved into our house some 12 months ago and initially the previous people had the post re-directed.
Since then we have received letters on a regular basis for their daughter from a High St bank. At first these were returned as ‘no longer at this address’ still more came. My wife inadvertently opened one and it was a demand for an overdraft to be repaid, further action included debt collectors.
Phoned the contact number and was told not to worry!! Another letter arrived so took it into the nearest branch, again I was told not to worry and they would sort it out.
Yet another letter arrived opened this one and now the debt recovery company are to be instructed.
Phoned the contact number, again told not to worry, but the point is we ARE worrying about bailiffs turning up on our doorstep.

The bank now insists that they can’t stop the letters as they cannot change this persons address until she tells them.
(Grapevine says she’s gone to Australia)

Question is, will the letters stop before we get an unwelcome knock on the door??

Any advice on a way forward will be much appreciated.

regards
Dreamon100

[Deleted User]

If someone does “knock at the door” then don’t let them in and show them something that proves you live there.

Don’t worry about an address getting blacklisted either as there’s no such thing.

DCFC79

As Gary says dont worry about it.

They wont take your car if you have 1 parked on the drive.
If the bailiffs are decent they will go away once you show them you live there.

Barney_Rubble_0403

Not to worry. It is the named person who is responsible for the debt and not the address. Debt collectors tend to bully by post and phone. Unlikely to send anyone and even if they did so what, just close the door on them.

Send the letters back.

[Deleted User]

Barney_Rubble_0403 wrote: »

Not to worry. It is the named person who is responsible for the debt and not the address. Debt collectors tend to bully by post and phone. Unlikely to send anyone and even if they did so what, just close the door on them.

Send the letters back.

Yes, you don't prove anything to debt collectors looking for someone else, nor show them any documentation. You simply order them off your property after telling them that the person they're looking for doesn't live there.

Nick_C

Try making a formal complaint to the bank.

I've been in my home for nearly 4 years, and was still getting letters for the previous occupier. Couldn't be certain whether the letters were coming from Lloyds or TSB, but I complained to both. Lloyds were very helpful. The guy I spoke to sent me a prepaid envelope for me to return the mail to him. He said he would open it and deal with it. Heard nothing more.

davethorp

I’ve had a similar problem but in my case it was my ex who ran up a load of debt before she left. I just kept marking the letters as “no longer at this address - return to sender” and popping them back in the post box. It took a while but eventually they stop or at the least die down

Debt collectors will often do a credit search when a file is passed to them to check for linked addresses and update their records if a newer address shows up

As others have said if a debt collector does show up (and there is a massive difference between a debt collector and a bailiff) at the door then politely inform them that the person in question no longer lives there and then ask them to leave

greyteam1959

I printed up some large sticky labels with ' Return To Sender Please Remove This Address From Your Mailing List ' in large bold type.
Stick one of them on the front of the envelope & then cross out the original address on the envelope with a bold marker pen.
Stick the letter back in the post box.