My Address has been used fraudulently for a loan

poppasmurf_bewdley

Deleted_User said:

poppasmurf_bewdley said:

Deleted_User said:

phillw said:

superbigal said:

You really should not have opened someone elses mail

 "A person commits an offence if, intending to act to a person's detriment and without reasonable excuse, he opens a postal packet which he knows or reasonably suspects has been incorrectly delivered to him."

I think a letter arriving correctly at your address, but with someone else's name that has no connection with your address is a reasonable excuse. Don't you?

When my sister worked at the local sorting office, they had a 6 month back log on return to sender items. Not opening the mail will be to the persons detri

Quite correct, if there is a risk of debt collectors turning up and trying to seize goods, OP is not acting to the detriment of the debtor, it can simply be to ensure they can return the paperwork correctly

Debt collectors cannot "turn up and seize goods." Only bailiffs can do that after going through due court processes. Debt collectors have no more power than my pet budgie.

OK I used the wrong word, you're correct, hurrah. 

It's not so much using the wrong word, you gave out false and misleading information. People read these forums and take what is written as gospel, and if we're going to spout off, then it's up to us to make sure what we say is correct.

[Deleted User]

poppasmurf_bewdley said:

Deleted_User said:

poppasmurf_bewdley said:

Deleted_User said:

phillw said:

superbigal said:

You really should not have opened someone elses mail

 "A person commits an offence if, intending to act to a person's detriment and without reasonable excuse, he opens a postal packet which he knows or reasonably suspects has been incorrectly delivered to him."

I think a letter arriving correctly at your address, but with someone else's name that has no connection with your address is a reasonable excuse. Don't you?

When my sister worked at the local sorting office, they had a 6 month back log on return to sender items. Not opening the mail will be to the persons detri

Quite correct, if there is a risk of debt collectors turning up and trying to seize goods, OP is not acting to the detriment of the debtor, it can simply be to ensure they can return the paperwork correctly

Debt collectors cannot "turn up and seize goods." Only bailiffs can do that after going through due court processes. Debt collectors have no more power than my pet budgie.

OK I used the wrong word, you're correct, hurrah. 

It's not so much using the wrong word, you gave out false and misleading information. People read these forums and take what is written as gospel, and if we're going to spout off, then it's up to us to make sure what we say is correct.

False and misleading lol, it's semantics, your first post to correct the word was fine, now it's just hyperbole. By your argument, your post is false and misleading as bailiffs are actually now called enforcement agents

People can come to your house to try and get your stuff to pay off debts if they believe you are the debtor or the debtor at least lives there. That is the central point, if you want to argue semantics about whether debt collectors (which is what, at the end of the day, bailiffs are, albeit with more powers than just bog standard debt collectors) is the right term or not, feel free to do so - that is missing the key point which is true and not misleading - that people need to be careful of loan fraud and the risks it may entail.