Llyyds Bank 'cannot' stop sending mail for someone who no longer lives at my address

BoGoF

Vegastare wrote: »

Finally if this is causing you anxiety and distress I would write personally to the head of Lloyds Bank chief executive Ant!nio Horta-Osorio, and highlight the problem and frustration, putting that is impacting on your health and wellbeing!!!

This is where you lost all credibility.

Anxiety and distress for letters sent to your address that, frankly, do not concern you. Get real.

Typical of the compo culture we seem to have these days.

xylophone

but am told that only the account owner can change the address associated with the account.

they are legally obliged to continue to send his correspondence to my address.

But are they not thereby risking personal data falling into the hands of somebody not entitled to receive it?

Vegastare

BoGoF wrote: »

This is where you lost all credibility.

Anxiety and distress for letters sent to your address that, frankly, do not concern you. Get real.

Typical of the compo culture we seem to have these days.

I have never claimed compo in my life, clearly you are not aware of CEO Lloyds concerns for mental health and well being as seen on the news this week.
I would not have posted his name had I not thought he would have been responsive to this.

Maybe you should research things before you post!!!

DCFC79

Rupert_the_Dog wrote: »

All,
I'd appreciate the benefit of the collective wisdom to address an issue with Lloyds Bank.

15 years on from moving into my house, I'm still getting post from Lloyds Bank addressed to the son of the previous owner. I've called Lloyds many times, returned the post marked 'no longer at this address', etc. but am told that only the account owner can change the address associated with the account. Even though he no longer lives here, and I suspect is in violation of his bank account terms (e.g. to supply an up to date postal address), they are legally obliged to continue to send his correspondence to my address.

Aside from filling up my recycling bin, I'm both frustrated at their response and concerned that as an apparent a resident of my address, any financial impropriety on his behalf might impact my credit score.

I’ve logged a formal complaint with Lloyds which has been rejected and been told by the Ombudsman service that there is nothing I’m able to do.

Any thoughts on how I might get this cleaned up? Many thanks in advance.
Rupert.

Either carry on as you are or see if you will get a response on Twitter.


Oh and your credit score will not be impacted by this issue, in any case your score isn't seen by lenders unless you know something I don't, lenders see your history. Ill nip it in teh bud before it crops up but debt isn't linked to a house/address but a person so if he does something he doesn't then your address wont be blacklisted.

spadoosh

Vegastare wrote: »

If you want to use your time and effort

How about contacting John Glen MP

Economic Secretary to the Treasury

The Economic Secretary (EST) is the City Minister responsible for financial services, including: banking and financial services reform and regulation

Seems to me there is need for reform and maybe worth a try, as for your concern over credit score - surely it would be against the name and you would certainly have had mail and possible personal contact if that was the case.

Secondly

I do get where you are coming from - for almost 10 years I got debt calls for a woman clearly using my phone number.
The debt would be picked up by new collection companies - some who were verbally challenging, and the calls just kept coming for Laura whoever!

UK law has stopped a lot of unwanted calls and they stopped a couple years back - but it would be every few months - spoke with the IOC who's advice was pitiful - could try them too. While it is rather more about personal data breaches - it's worth a try.

Finally if this is causing you anxiety and distress I would write personally to the head of Lloyds Bank chief executive Ant!nio Horta-Osorio, and highlight the problem and frustration, putting that is impacting on your health and wellbeing!!!

If this is effecting someones health and wellbeing, they are beyond all reasonable help.

Putting things in a bin has got to be quite far down the list of problems that people have in their lives.

Can we try and be reasonable?

SuperAllyB

No idea on the legalities but I'd send them back with an invoice for a handling charge.

born_again

I seemed to have missed something.

Where has this whole "Debt" come from?

OP made no mention of the letters being about a debt. In fact they made no mention to what they were about.

Socajam

spadoosh wrote: »

If this is effecting someones health and wellbeing, they are beyond all reasonable help.

Putting things in a bin has got to be quite far down the list of problems that people have in their lives.

Can we try and be reasonable?

What amazes me is that everything nowadays is either mental health or well being.
How the hell do these people manage with every day life issues
If a couple of letters are giving the OP mental health challenges, what happens to the harder things that life throws at you.

adindas

Vegastare wrote: »

If you want to use your time and effort

How about contacting John Glen MP

Economic Secretary to the Treasury

The Economic Secretary (EST) is the City Minister responsible for financial services, including: banking and financial services reform and regulation

Seems to me there is need for reform and maybe worth a try, as for your concern over credit score - surely it would be against the name and you would certainly have had mail and possible personal contact if that was the case.

Secondly

I do get where you are coming from - for almost 10 years I got debt calls for a woman clearly using my phone number.
The debt would be picked up by new collection companies - some who were verbally challenging, and the calls just kept coming for Laura whoever!

UK law has stopped a lot of unwanted calls and they stopped a couple years back - but it would be every few months - spoke with the IOC who's advice was pitiful - could try them too. While it is rather more about personal data breaches - it's worth a try.

Finally if this is causing you anxiety and distress I would write personally to the head of Lloyds Bank chief executive Ant!nio Horta-Osorio, and highlight the problem and frustration, putting that is impacting on your health and wellbeing!!!

If talking about the debt, it is important to understand the reason why Lloyds (in this case) or debt collectors will not stop sending the letter even you have told them many times.

If this is the only last known address known by them, they have no other option then to keep sending that mail. Otherwise, Lloyds, the debt collectors, will be losing the case. A person in question could simply uses an excuse that he has not received the correspondence.

Also, you will need to be aware that some people are deliberately using other people addresses to avoid being tracked by the debt collectors. Some people who are not aware of the consequences might be allowing, family members, friends, relatives to use their addresses in that way.

In cases of the OP he has done his job, so simply just bin it as LLoyds, debt collectors are not going to stop it.

It has been explained that it will not affect your credit file.
You should not open another person letter, If you do not open the letter you do not actually know what it is, so it is the same with other paper, rubbish.

It is the same with throwing newspaper, other rubbish to the bin.

I wonder how many people get anxiety and distress throwing paper to the bin?

JuicyJesus

I wish I had so little to care about in my life that receiving post for the former occupants of my flat (an event part and parcel of the glorious British rental experience) was capable of causing me such acute mental distress.