Misused Address

AncientPerson

I have received a number of items addressed to a person who has never lived at or had any other connection to my house. All of the correspondence concerns borrowing that is in arrears.

One of the lenders, Capital One, says that they are obliged by law to continue sending correspondence to this address despite being aware of the situation. This is tantamount to harassment. Is this claim a correct understanding of the law and can I do anything to stop those?

[Deleted User]

AncientPerson wrote: »

I have received a number of items addressed to a person who has never lived at or had any other connection to my house. All of the correspondence concerns borrowing that is in arrears.

One of the lenders, Capital One, says that they are obliged by law to continue sending correspondence to this address despite being aware of the situation. This is tantamount to harassment. Is this claim a correct understanding of the law and can I do anything to stop those?

Return to sender written on n the back, stick it in the post box. Why is this bothering you? Won't effect you in any way

[Deleted User]

AncientPerson wrote: »

This is tantamount to harassment. Is this claim a correct understanding of the law and can I do anything to stop those?

No, it's a incorrect misunderstanding of the law.

But they will stop eventually.

Edi81

Getting mail not for you is harassment? Pull the other one!

MisterBaxter

Crap falls through the letterbox of most households every day, just do what everyone else does and throw it away; you've told them once that they are sending it incorrectly if they insist on sending it then just ignore it, you could keep returning it but if you don't want to put yourself out just put it in the recycle bin and forget about it.

As an aside, it might be worth checking your credit files just to make sure there are no links back to you at all, and it never hurts to check credit files from time to time. Not that there should be an issue from this.

[Deleted User]

MisterBaxter wrote: »

Crap falls through the letterbox of most households every day, just do what everyone else does and throw it away; you've told them once that they are sending it incorrectly if they insist on sending it then just ignore it, you could keep returning it but if you don't want to put yourself out just put it in the recycle bin and forget about it.

As an aside, it might be worth checking your credit files just to make sure there are no links back to you at all, and it never hurts to check credit files from time to time. Not that there should be an issue from this.

There won’t be any links back to the household as credit is on a per person basis not address

MisterBaxter

!!! wrote: »

There won’t be any links back to the household as credit is on a per person basis not address

How about associations if someone is acting fraudulently? I had to have someone's name removed from my report as they were listed as an association but were completely unknown to me; although they did have a similar name to my wife.

[Deleted User]

MisterBaxter wrote: »

How about associations if someone is acting fraudulently? I had to have someone's name removed from my report as they were listed as an association but were completely unknown to me; although they did have a similar name to my wife.

That’s still not address linked - that’s an incorrect association based on names

NoodleDoodleMan

I have received a number of items addressed to a person who has never lived at or had any other connection to my house. All of the correspondence concerns borrowing that is in arrears.

Are you opening and reading private mail addressed to another person ?

I reckon that is against the law, regardless of any other issues.

Simply follow advice above - for example, mark "Return To Sender" / "Addressee Not Known Here"

[Deleted User]

It's not against the law.

NoodleDoodleMan

It's not against the law.

Other sources suggest it is, under the Postal Services Act 2000.

These letters would almost certainly be marked Private & Confidential.