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Debt Letters to Unknown Person

2

Comments

  • System
    System Posts: 178,420 Community Admin
    10,000 Posts Photogenic Name Dropper
    Mojisola wrote: »
    Nonsense! ............

    No it isn't,

    https://www.legislation.gov.uk/ukpga/2000/26/part/V

    5) A person who commits an offence under subsection (1) or (3) shall be liable on summary conviction to a fine not exceeding level 5 on the standard scale or to imprisonment for a term not exceeding six months or to both.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • System
    System Posts: 178,420 Community Admin
    10,000 Posts Photogenic Name Dropper
    It is only an offence if there is not a reasonable excuse to open the letters. Since the OP has stated that because the letters are clearly from DCAs, they are concerned about the impact to their credit files and the potential for bailiffs to attend their home, that 'may' constitute a reasonable excuse.

    That's not an excuse. It has no impact on their credit files because it isn't linked to the address and they can check if there is an impact on their credit file without having to open the mail. Opening the mail and contacting the bailiffs won't prevent them coming to their home to verify the facts because do you honestly think the "they don't live here any more" line has never been used by someone trying to evade the bailiffs?

    So no it isn't a reasonable excuse at all. Just because you and the other up voters are in the habit of opening mail not addressed to you merely because it lands in your letter box and want to convince yourselves you're not committing a criminal offence doesn't alter the fact you are.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Mojisola
    Mojisola Posts: 35,574 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Tarambor wrote: »
    No it isn't,

    https://www.legislation.gov.uk/ukpga/2000/26/part/V

    5) A person who commits an offence under subsection (1) or (3) shall be liable on summary conviction to a fine not exceeding level 5 on the standard scale or to imprisonment for a term not exceeding six months or to both.

    You're ignoring the bit about "reasonable cause".

    In most cases there is no intention to cause detriment to the addressee so that's also quite legal.
  • greyteam1959
    greyteam1959 Posts: 4,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Make sure that you cross out the address that the letter was delivered to before writing 'return to sender' on the front.
    Then put it back in the post box.
  • ariba10
    ariba10 Posts: 5,432 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I write “Not known at this address “ on the envelope then put it the post box.
    I used to be indecisive but now I am not sure.
  • Nasqueron
    Nasqueron Posts: 11,259 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    All of you replying to Tarambor seem to be ignoring what he/she actually wrote. You're all replying as if he/she was talking about opening the mail which I agree is a common myth.

    Read the post:
    Tarambor wrote: »
    Criminal offence to withhold or delay mail not addressed to you under Postal Act 2000 punishable with level 1 fine or up to 6 months prison.

    Stick not at this address on the front, shove back in post box.

    Opening the mail sure you can do with reasonable excuse, but Tarambor commented specifically about delaying the mail not opening it.

    Read the law again, ignore the bit about opening the mail which was never mentioned.
    84 Interfering with the mail: general.

    (1)A person commits an offence if, without reasonable excuse, he—

    (a)intentionally delays or opens a postal packet in the course of its transmission by post, or

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • POPPYOSCAR
    POPPYOSCAR Posts: 14,902 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I am fed up returning post to sender and yet they still keep sending so now I open it.

    Had one the other day saying a direct debit had been set up.

    I rang the company and advised them that this person was not living at this address and they insisted I tell them my name and that they could not do anything without putting my name in their system.

    I refused to do so as my name is non of their business.
  • Mojisola
    Mojisola Posts: 35,574 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    tarambor wrote: »
    so no it isn't a reasonable excuse at all. Just because you and the other up voters are in the habit of opening mail not addressed to you merely because it lands in your letter box and want to convince yourselves you're not committing a criminal offence doesn't alter the fact you are.
    nasqueron wrote: »
    all of you replying to tarambor seem to be ignoring what he/she actually wrote. you're all replying as if he/she was talking about opening the mail which i agree is a common myth.

    :(....................
  • ciderboy2009
    ciderboy2009 Posts: 1,247 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Nasqueron wrote: »
    Opening the mail sure you can do with reasonable excuse, but Tarambor commented specifically about delaying the mail not opening it.

    Read the law again, ignore the bit about opening the mail which was never mentioned.


    You're missing out a bit of the law as well: "...in the course of its transmission by post..."


    Once the mail has been delivered to the address on the envelope then the course of its transmission by post has ended.
  • sourcrates
    sourcrates Posts: 32,510 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    From the Royal Mail website :


    I've received someone else's mail


    If you’ve received mail which has your address, but not your name, this is because we deliver to addresses rather than names. If this does happen, you can put a cross through the address and write 'Not known at this address' or 'No longer lives here' and put it back in a letterbox. Where possible, we’ll return the item to the sender hopefully allowing them to update their records.


    Nothing could be clearer than that.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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