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Not my debt, addressed to my house
zenshi
Posts: 1,133 Forumite
Had a letter this morning at my address but to someone I don’t know. I’ve lived at my house for over 20 years. Will return to sender but I’m worried that someone has used my address. My bank card was cloned a while ago and I had to deal with fraudulent transactions in my bank account. Should I be worried?
LBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,764
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,764
0
Comments
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Best thing is to check your credit report to see if there's anything you don't recognise on there.0
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Yep - check all the credit reference agencies to make sure, but personally I'd just ignore it assuming that flags up nothing worrying.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Return to sender marked 'not known at this address'.
There's unlikely to be anything on your credit file as they are not allowed to link people by address without a joint financial product2 -
We had four letters a few years ago. I opened them as we had lived here 24 years. Someone was opening bank accounts for our address and running up small overdrafts. £90-£95 - just enough to not be too obvious but if they doing it to numerous addresses......??????
I took them to the individual bank branches with ID and a copy of our council tax bill and the cashiers dealt with them then and there. Lloyds had already sussed they had been duped.0
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