Mortgage offer has come to my home addressed to somebody else

emm2408

I have had a mortgage offer come to my house addressed to 2 people I have never heard of. I'm not selling my house or moving. I sent it back once but it has been sent out again. Should I be worried?

theartfullodger

'sfunny how the glue in envelopes is so terrible these days and it "fell open" on the mat and you couldn't help noticing the property mentioned: Was it your home?

If so, possible fraudulent attempt to mortgage and take the money and run (it's happened before...)...

Hoenir

People make mistakes. Return the letter as not known at this address.

Brie

Anything addressed to your address can be opened and you can deal with it appropriately.  It doesn't matter who it's addressed to.

theoretica

I had documents come to my address about equity release once and was sufficiently worried that I rang the company.  Seems this happens quite a bit when people are trying to get an idea of online quotes and changing details to see if it changes the quotes or don't want to give the computer their real details to keep privacy. 

amanda1024

It might be worth getting in touch with the bank the offer is from. It’s possible it’s a mistake, but there are so many ID checks etc these days it’s hard to see how. Otherwise it might be some sort of fraud. Would suggest also checking your credit record that there aren’t any new associations you’re not aware of.

km1500

also set up alert on your property at the land tegistry

user1977

Was the mortgage going to be over your address?

GDB2222

km1500 said:

also set up alert on your property at the land tegistry

https://www.gov.uk/guidance/property-alert

It’s really quick and easy to do. 

Section62

Hoenir said:

People make mistakes. Return the letter as not known at this address.

That way the OP won't know what is going on.

I would open the envelope and find out who sent it and why.  Then contact the sender to explain the facts.

RTS has failed to work the first time, pointless trying it a second.

eddddy

FWIW, I recently had a slightly similar situation - a welcome letter from a bank saying "thanks for opening your new account" with a name that I had never heard of, but giving my address (I don't know what 'proof of address' they showed the bank.)

I opened the letter and phoned the bank.

The bank's agent noted all the details, and thanked me for taking the trouble to let them know.

They declined to discuss any details with me, or tell me what they were going to do. 

Firstly there's the issue of confidentiality, and secondly if it was some type of fraud - the bank didn't know who I was, and didn't know if I was involved in the fraud.

I didn't hear any more about it.