Ex Pats want to use our UK address for a credit card?

callum9999

MalMonroe said:

I was wondering what would happen when Santander tried to match up your friends' names with your address. . . but I see you have decided to politely refuse their request, which is probably for the best all round. 

I've had countless bank accounts while sharing an address with someone else who also has an account with the same bank.

It's an incredibly normal occurrence and I'm not sure Santander would have thought twice about it! The only problem I can foresee is them asking for proof of address.

[Deleted User]

callum9999 said:

Deleted_User said:

pramsay13 said:

It wouldn't bother me if a close friend wanted to use my address for credit card application or otherwise although I suspect it won't work in practice.

Suspect it would bother you when you end up with a CIFAS marker for fraud and have all your accounts closed down

That's very obviously never going to happen.

In the very unlikely circumstances that Santander decide to do some investigating into whether the friend is actually living with the OP or not (that's a completely normal living arrangement after all) and somehow discovers they aren't, it will be the friend getting the CIFAS marker.

There's nothing fraudulent about letting someone use your house as a mailing address, and given its illegal to open someone else's mail, Santander couldn't possibly expect you to know what was happening.

Though that all being said, it's obviously perfectly legitimate to not want to help the friend misrepresent their residency status.

Obviously not going to happen? It will take seconds for Santander to twig that the OP is registered at a house and the people applying for credit at that address do not live there (not on electoral role, no bank accounts / utilities etc linked there) and start throwing up alerts when they realise the people don't even live in the UK. Wilfully participating in credit fraud - CIFAS marker for both. Receiving mail as a favour is nothing at all like assisting in credit fraud.