RE: Tenants old Mail

user1977

pipscat said:

Question is, if she moved out 3 years ago why has she taken out a loan against her old address! Surely that's fraud? I'd be contacting Santander to let them know.

She was a tenant, it wouldn't be "against" the address, it's probably just contact details which haven't been updated (easily done if most things are arranged online these days).

thegreenone

user1977 said:

pipscat said:

Question is, if she moved out 3 years ago why has she taken out a loan against her old address! Surely that's fraud? I'd be contacting Santander to let them know.

She was a tenant, it wouldn't be "against" the address, it's probably just contact details which haven't been updated (easily done if most things are arranged online these days).

So, the former tenant hasn't updated her details with the bank in three years and the loan is recent and it's not fraud?  Really?

She's taken the loan money, is not paying it back and the bank are using the only address they have for her.  I would also be taking the letters into the nearest Santander branch.

We had a problem a few years ago.  Suddenly we were getting bank mail addressed to people at this address.  Four or five letters a week.  As we had lived here 24 years and knew the name of the previous owners we immediately suspected scam.  I opened the letters, and they were demands for a small (£90-100) overdrafts to be repaid and proof of address required (for newly opened bank accounts). I took the letters to each bank, explained the situation and it was stopped dead.  The look on the Lloyds cashier's face was priceless! 

Different names, different banks and the scammers got roughly £500 from our address alone.

user1977

thegreenone said:

user1977 said:

pipscat said:

Question is, if she moved out 3 years ago why has she taken out a loan against her old address! Surely that's fraud? I'd be contacting Santander to let them know.

She was a tenant, it wouldn't be "against" the address, it's probably just contact details which haven't been updated (easily done if most things are arranged online these days).

So, the former tenant hasn't updated her details with the bank in three years and the loan is recent and it's not fraud?  Really?

She's taken the loan money, is not paying it back 

Who said she has defaulted on the loan?

TBagpuss

PierremontQuaker03 said:

HI all, thanks for looking. I am selling my house, which has previously been rented. The sale is going through and the house is empty. I have noticed I am getting lots of mail from Santander from a previous tenant - she must have left the house over 3 years ago. Anyway I opened one of the letters and it was a loan - only a small amount - but it had recently been taken out.  I have email the lady (with the email address I had for her at the time), I also have a forwarding address but I am not, after 3 years, going to forward the the mail, it should have been sorted out. Anyway, she has not responded to the email (I was not surprised, due to the sort of person she is - she left the house with issues, which I did not charge her for, because I was too soft). 
What are my options here? I could go to her forwarding address and speak to her, or is there an alternative - say contact Santander (I have been returning the mail back to Santander saying "No longer at this address", but that has not worked).  I know its only a minor issue, but I want it sorting out before the new home owner moves in.

Since you have a forwarding address, I would write, once, to Santander, enclosing  the most recent letter recived and a covering letter saying that she was a tenant, moved out on [date] and that the details you have for her are [address] and [email address] , and ask that they ensure that no further communication is sent to your address as she is not there and and you decline to take any responsobility for forwarding or returning mailgiven the legth of time since she left, or for ensuring that her data is kept secure, and siggest that they take steps to update the data they hold about her contact details.

Then for anything further that comes, either bin it or make it 'gone away' or 'not at this address' or 'moved to [forwarding address] and put it back in the post box. 

No, you shouldn't have to but if you explicitly tell them both when she left and where she went, they can take steps to find her if they want, if if not, you can tell the new owners and they can decide whather to bin any further mail, return it or whtever . 

Some people are like that. I've lived in my current house for 8 1/2 years and I still get letters for the previous occupant. I don't have any forwarding address so I now just bin them. I did continue sending them back for a while but no longer bother. 

(At a previous house, I did take a load of bank statements nad return them to the bank. I toldthem I was putting them on notice that the addres swas wrong and suggested that they would need to verify and update their customers details to ensure that they were compliant with data protection requirements. The bank counter staff didn't want to accept the statements but I left them there, and I did stop getting post from that bank afterwards, so it seemed to work. (I don't know that they would have been in breach of data protection assuming that they were using information provided by their customer, but I suspect they (or at least the counter staff) didn't know either!)