New build house using my address for bank accounts

Samjade97

Hello,

Sorry if this is the wrong place but I'm looking for some advice.

There have been some new build properties built over the road from my house and I have been receiving banking documents to people I don't know. Each time I have rang the bank and told them they dont live here. I had a credit card turn up today and a few hours after ringing the bank to remove my address a male turned up saying he lives in one of the houses opposite and since they havent been added to the banks system they have told to use my address.

Is there anything I can do to stop him using my address?
Obviously it seems like a legitimate excuse but at the same time I dont know him and I certainly dont want to have to deal with any bailiffs if he doesnt pay for the credit card or anything else he may registered to my address.

jackjones01

They need to contact Royal Mail to be added to the PAF:

https://www.royalmail.com/personal/receiving-mail/update-your-address

I did this once and it was done quiet quickly. 

Shakin_Steve

jackjones01 said:

They need to contact Royal Mail to be added to the PAF:

https://www.royalmail.com/personal/receiving-mail/update-your-address

I did this once and it was done quite quickly. 

Surely the house builder should have done this?

BoGoF

Write not known at this address and put them back in post box. It's not ypur problem.

Lorian

Watch they don't mess with your utilities. also check the new property's EPC is not registered to your house. when I had this happen I called the royal mail to sort it, and the new houses were issued a new postcode. Still annoyed by it years later.

someone

> Obviously it seems like a legitimate excuse

Would you want to use someone else's address for your bank account? I'm guessing no and neither does the bank!

Do as BoGoF suggest and return to sender as "not known at this address". Banks have a process to handle this kind of post.

I would also recommend you mentioning this to neighbours as a fraudster (who may or may not live in the new properties) might be doing this with multiple addresses on your street.

jackjones01

Shakin_Steve said:

jackjones01 said:

They need to contact Royal Mail to be added to the PAF:

https://www.royalmail.com/personal/receiving-mail/update-your-address

I did this once and it was done quite quickly. 

Surely the house builder should have done this?

You’d think so but you’d be surprised. When my house was built it was not done for literally months. I just speed up the process and contacted Royal Mail myself. 

GingerTim

Does this person's new credit card appear on your credit report, being at the same address? If you applied for a loan or mortgage yourself, would this person's credit be associate with yours? 

These are actual questions I'd be interested in knowing the answer to. Either way, nip this in the bud sharpish - the 'return to sender, not known at this address' is good advice. 

boingy

In these days of electronic ID verification and stuff how have they managed to register as living at your house?
It could cause problems beyond banking.

Samjade97 said:

Is there anything I can do to stop him using my address?

Ask him not to and be firm about it.

km1500

if he has applied for and received a credit card then his name will certainly be shown as registered against your address at at least one of the credit agencies

might be worth getting a copy of your credit files to see what else is registered

might be worth pointing out to him when he signed the credit card application form he signed a declaration that everything he said was true which it clearly wasn't as that was not his address

Zanderman

Samjade97 said:

Hello,

Sorry if this is the wrong place but I'm looking for some advice.

There have been some new build properties built over the road from my house and I have been receiving banking documents to people I don't know. Each time I have rang the bank and told them they dont live here. I had a credit card turn up today and a few hours after ringing the bank to remove my address a male turned up saying he lives in one of the houses opposite and since they havent been added to the banks system they have told to use my address.

Is there anything I can do to stop him using my address?
Obviously it seems like a legitimate excuse but at the same time I dont know him and I certainly dont want to have to deal with any bailiffs if he doesnt pay for the credit card or anything else he may registered to my address.

Anyone could turn up and say that. He could be a complete fraudster, and making it all up. I wouldn't hand any post over to a stranger at the door. Especially not financial stuff that had my own address on it. Send it back as not at this address and deny (to avoid awkwardness/unpleasantness with the bloke at the door) that you've received anything.

(forgot to add:  it definitely isn't a legitimate excuse!)