New build house using my address for bank accounts

Zanderman

Zanderman said:

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.

And... ask him who told them "to use my address", and get in touch with whoever that is, and read them the riot act.

Spendless

Who is the 'They' in" they have told to use your address"? Get the details and then complain directly to whoever has (allegedly)  said this. 

General_Grant

GingerTim said:

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. 

Credit reports are for a person, not an address.
Someone with a different name isn't linked just because they share an address.

oldernonethewiser

Definitely send all post back "not known return to sender"

Have nothing to do with anyone that turns up claiming to have been told to use your address. 

Section62

Zanderman said:

Zanderman said:

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.

And... ask him who told them "to use my address", and get in touch with whoever that is, and read them the riot act.

I'd be inclined to go further and consider contacting the FCA - if it is true that a bank is advising customers to give a false address then it suggests there has been a serious breakdown in the bank's procedures and/or staff training.

prowla

That is just plain dodgey.

born_again

Under no circumstances given anyone coming to your door any bank related post or any other deliveries. 

It is pointless speaking to the bank, as you are not their customer. As you can imagine they will not act on a random person ring up & saying stop sending mail to my house, as you are not known to them & could simply be causing grief for the actual householder.

So as others, just send it all back not know at this address. Bank will soon mark as gone away.

If they turn up again, tell them to take it up with their bank & to stop using your address, as you will not pass any mail onto them.

Zanderman

Section62 said:

Zanderman said:

Zanderman said:

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.

And... ask him who told them "to use my address", and get in touch with whoever that is, and read them the riot act.

I'd be inclined to go further and consider contacting the FCA - if it is true that a bank is advising customers to give a false address then it suggests there has been a serious breakdown in the bank's procedures and/or staff training.

We don't know it was a bank who advised this subterfuge - more likely, I'd think, to be someone connected with the new-builds. And, to be fair(ish), even they might not have suggested using someone else's address for banking, but for general correspondence. Still not right of course, but banking may never have been the intention of the suggestion, and the suggestion may not be from a bank.

Zanderman

Zanderman said:

Section62 said:

Zanderman said:

Zanderman said:

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.

And... ask him who told them "to use my address", and get in touch with whoever that is, and read them the riot act.

I'd be inclined to go further and consider contacting the FCA - if it is true that a bank is advising customers to give a false address then it suggests there has been a serious breakdown in the bank's procedures and/or staff training.

We don't know it was a bank who advised this subterfuge - more likely, I'd think, to be someone connected with the new-builds. And, to be fair(ish), even they might not have suggested using someone else's address for banking, but for general correspondence. Still not right of course, but banking may never have been the intention of the suggestion, and the suggestion may not be from a bank.

Though, on re-reading it, the wording from the OP suggests the man at the door did imply it might be the bank.  Still seems unlikely though.

Alternatively, and maybe more likely, the whole thing is a scam, the bloke at the door doesn't live across the road in the new-builds, no-one's advised him to use another address, he's making the whole thing up, and merely wants to get credit accounts at someone else's address - he might be doing this near all new developments.

Grumpy_chap

Whether it is genuine or a scam, the OP has no way to assess whether the individual knocking on the door is a fraudster or not.
In that situation, to assume they have no right to this post is the best option.  Regardless, the OP does not want to establish a precedent for taking in and forwarding the post.

The best thing to do with any post received is to mark "not known at this address - return to sender" and pop it back into the post box.  This will make the idea of applying for credit cards rather pointless as the individual would never receive the card.  If the facility is app-based and does not require the physical card, you would hope that the banks would soon close the accounts down if there is an issue with knowing the borrower's address.