Which address for official purposes?

2 Posts
Hi lovely money savers and experts with Armed Forces experience!
My son is 20 and in the army, just completed 12m service and has now been allocated a UK base where he will spend the majority of his time. He will always have a home with me in Manchester, but is based a few hundred miles away and will visit home for extended weekends and some annual leave. We are deliberating how to go about official business with regards to his address to prevent problems in the future.
I appreciate for his car insurance he will need to use the base address, because that is where the car will be kept for most of the time, but for his Drivers License, Bank and any other official documentation and for credit applications should he use his home address (my address in Manchester) - is it ok to do this? Should I keep him on the electoral roll here?
This has initially been prompted because he may soon want to take a small loan for car, he has saved up a few £k for a deposit but may want to borrow a few more £k to get a decent car. Currently his Drivers License has the Armed Forces Training department address on which he will change, but to my address or his barracks address? (we didn't know they were going to change it when they added on his extra categories, it just came back that way).
He also has a plan to get enough saved for a house deposit in around 5yrs time and will need to look at mortgages, so we don't want to do anything now that will make the process difficult in the future.
All advice and experiences gratefully received.
Thank you
My son is 20 and in the army, just completed 12m service and has now been allocated a UK base where he will spend the majority of his time. He will always have a home with me in Manchester, but is based a few hundred miles away and will visit home for extended weekends and some annual leave. We are deliberating how to go about official business with regards to his address to prevent problems in the future.
I appreciate for his car insurance he will need to use the base address, because that is where the car will be kept for most of the time, but for his Drivers License, Bank and any other official documentation and for credit applications should he use his home address (my address in Manchester) - is it ok to do this? Should I keep him on the electoral roll here?
This has initially been prompted because he may soon want to take a small loan for car, he has saved up a few £k for a deposit but may want to borrow a few more £k to get a decent car. Currently his Drivers License has the Armed Forces Training department address on which he will change, but to my address or his barracks address? (we didn't know they were going to change it when they added on his extra categories, it just came back that way).
He also has a plan to get enough saved for a house deposit in around 5yrs time and will need to look at mortgages, so we don't want to do anything now that will make the process difficult in the future.
All advice and experiences gratefully received.
Thank you
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Replies
Lewis Carroll
He will find that when he applies for credit etc he'll most likely need to enter his address and not just do the postcode lookup. I found it very annoying alot of the time and it often caused applications to fail and I had to speak to advisors to specifically get them to enter it as it was shown on my credit file.
Current debt ZERO.
Car insurance, like you said, is the big one to one to watch so best to check with them which address they require.