Land registry fraud?

user1977

bedruzenka said:

user1977 said:

bedruzenka said:

the council worker was adamant that they will pursue this matter at my address due to the land registry record. According to them the company (the director resides/owns?) my house.

So either they're thick, or they hope you are and that you'll believe them. Even if a company director did reside at or own your house, that wouldn't give the company's creditors the ability to slap charges on it.

So hypothetically if the council keeps pursuing this through the courts(with my address)  and let’s say they send bailiffs to my address and the bailiffs will claim the same as the council ( quoting the land registry record) what happens then?

Nothing, given they will find you at the address and not the company. Bailiffs (and everybody else who chases debts) are used to having wrong (or at least out of date) addresses.

Like I said, the contact details of a proprietor on the Land Registry are meaningless, and there is no legal need to keep them up to date (unlike the registered office at Companies House) - a more common scenario is that it was accurate at the time of registration but the owner has since moved.

bedruzenka

user1977 said:

bedruzenka said:

user1977 said:

bedruzenka said:

the council worker was adamant that they will pursue this matter at my address due to the land registry record. According to them the company (the director resides/owns?) my house.

So either they're thick, or they hope you are and that you'll believe them. Even if a company director did reside at or own your house, that wouldn't give the company's creditors the ability to slap charges on it.

So hypothetically if the council keeps pursuing this through the courts(with my address)  and let’s say they send bailiffs to my address and the bailiffs will claim the same as the council ( quoting the land registry record) what happens then?

Nothing, given they will find you at the address and not the company. Bailiffs (and everybody else who chases debts) are used to having wrong (or at least out of date) addresses.

Like I said, the contact details of a proprietor on the Land Registry are meaningless, and there is no legal need to keep them up to date (unlike the registered office at Companies House) - a more common scenario is that it was accurate at the time of registration but the owner has since moved.

No,that’s the issue I have. It was never correct. It happened while we we’ve been living here. Someone who never lived here has used my address.

sheramber

Do you have legal protection on your house insurance?

If so, give them a call.

Any letters addressed to the company return to sender stating'not known'.

it might not stop them sending more but just keep sending them back.

bedruzenka

sheramber said:

Do you have legal protection on your house insurance?

If so, give them a call.

Any letters addressed to the company return to sender stating'not known'.

it might not stop them sending more but just keep sending them back.

The letter inside was addressed to the company but on the actual envelope was ‘the legal owner of (my address) ‘ and they put ‘important this communication affects your property’ onto envelope as well.
Also I had to sign for it . I would not sign a letter for someone else.

molerat

bedruzenka said:

The letter inside was addressed to the company but on the actual envelope was ‘the legal owner of (my address) ‘ and they put ‘important this communication affects your property’ onto envelope as well.
Also I had to sign for it . I would not sign a letter for someone else.

Totally meaningless.  They cannot take an un-named entity to court.  To take you to court they would have to name you and prove that you personally owe them money and as it seems a ltd co is the debtor that ain't gonna happen.

Also look up your council's complaints procedure and run that through and take it to the LG ombudsman if necessary.

housebuyer143

bedruzenka said:

user1977 said:

bedruzenka said:

user1977 said:

bedruzenka said:

the council worker was adamant that they will pursue this matter at my address due to the land registry record. According to them the company (the director resides/owns?) my house.

So either they're thick, or they hope you are and that you'll believe them. Even if a company director did reside at or own your house, that wouldn't give the company's creditors the ability to slap charges on it.

So hypothetically if the council keeps pursuing this through the courts(with my address)  and let’s say they send bailiffs to my address and the bailiffs will claim the same as the council ( quoting the land registry record) what happens then?

Nothing, given they will find you at the address and not the company. Bailiffs (and everybody else who chases debts) are used to having wrong (or at least out of date) addresses.

Like I said, the contact details of a proprietor on the Land Registry are meaningless, and there is no legal need to keep them up to date (unlike the registered office at Companies House) - a more common scenario is that it was accurate at the time of registration but the owner has since moved.

No,that’s the issue I have. It was never correct. It happened while we we’ve been living here. Someone who never lived here has used my address.

But this happens a lot is what the poster is saying and they can't then just slap charges on old addresses. The names and addresses have to match. 
A baliff turns up at your house, get out your ID and prove you are not the debtor and they will go. I believe the nature of a ltd company is that they can't actually come after your personal assets. 

The company are just trying to scare you so that they get payment.

bedruzenka

housebuyer143 said:

bedruzenka said:

user1977 said:

bedruzenka said:

user1977 said:

bedruzenka said:

the council worker was adamant that they will pursue this matter at my address due to the land registry record. According to them the company (the director resides/owns?) my house.

So either they're thick, or they hope you are and that you'll believe them. Even if a company director did reside at or own your house, that wouldn't give the company's creditors the ability to slap charges on it.

So hypothetically if the council keeps pursuing this through the courts(with my address)  and let’s say they send bailiffs to my address and the bailiffs will claim the same as the council ( quoting the land registry record) what happens then?

Nothing, given they will find you at the address and not the company. Bailiffs (and everybody else who chases debts) are used to having wrong (or at least out of date) addresses.

Like I said, the contact details of a proprietor on the Land Registry are meaningless, and there is no legal need to keep them up to date (unlike the registered office at Companies House) - a more common scenario is that it was accurate at the time of registration but the owner has since moved.

No,that’s the issue I have. It was never correct. It happened while we we’ve been living here. Someone who never lived here has used my address.

But this happens a lot is what the poster is saying and they can't then just slap charges on old addresses. The names and addresses have to match. 
A baliff turns up at your house, get out your ID and prove you are not the debtor and they will go. I believe the nature of a ltd company is that they can't actually come after your personal assets. 

The company are just trying to scare you so that they get payment.

What about the address fraud you mentioned previously? Did you report it anywhere?
Thanks

housebuyer143

bedruzenka said:

housebuyer143 said:

bedruzenka said:

user1977 said:

bedruzenka said:

user1977 said:

bedruzenka said:

the council worker was adamant that they will pursue this matter at my address due to the land registry record. According to them the company (the director resides/owns?) my house.

So either they're thick, or they hope you are and that you'll believe them. Even if a company director did reside at or own your house, that wouldn't give the company's creditors the ability to slap charges on it.

So hypothetically if the council keeps pursuing this through the courts(with my address)  and let’s say they send bailiffs to my address and the bailiffs will claim the same as the council ( quoting the land registry record) what happens then?

Nothing, given they will find you at the address and not the company. Bailiffs (and everybody else who chases debts) are used to having wrong (or at least out of date) addresses.

Like I said, the contact details of a proprietor on the Land Registry are meaningless, and there is no legal need to keep them up to date (unlike the registered office at Companies House) - a more common scenario is that it was accurate at the time of registration but the owner has since moved.

No,that’s the issue I have. It was never correct. It happened while we we’ve been living here. Someone who never lived here has used my address.

But this happens a lot is what the poster is saying and they can't then just slap charges on old addresses. The names and addresses have to match. 
A baliff turns up at your house, get out your ID and prove you are not the debtor and they will go. I believe the nature of a ltd company is that they can't actually come after your personal assets. 

The company are just trying to scare you so that they get payment.

What about the address fraud you mentioned previously? Did you report it anywhere?
Thanks

I didn't know who to report it to tbh, and I figured it wasn't anything too serious as it was just car insurance and they haven't written since. 
Land registry not so great, maybe you can write in a complaint to them but they just process paperwork so I'm not sure what they can do. They can't change it. 

If the council do wish to pursue a charge on your address they will have to prove the house is an asset of the ltd company I imagine, and a quick land registry search will prove that it isn't. If you are concerned go to land registry alerts and set one up for your house. You will be notified if anyone tried to add a charge or make any changes to your title documents.

bedruzenka

housebuyer143 said:

bedruzenka said:

housebuyer143 said:

bedruzenka said:

user1977 said:

bedruzenka said:

user1977 said:

bedruzenka said:

the council worker was adamant that they will pursue this matter at my address due to the land registry record. According to them the company (the director resides/owns?) my house.

So either they're thick, or they hope you are and that you'll believe them. Even if a company director did reside at or own your house, that wouldn't give the company's creditors the ability to slap charges on it.

So hypothetically if the council keeps pursuing this through the courts(with my address)  and let’s say they send bailiffs to my address and the bailiffs will claim the same as the council ( quoting the land registry record) what happens then?

Nothing, given they will find you at the address and not the company. Bailiffs (and everybody else who chases debts) are used to having wrong (or at least out of date) addresses.

Like I said, the contact details of a proprietor on the Land Registry are meaningless, and there is no legal need to keep them up to date (unlike the registered office at Companies House) - a more common scenario is that it was accurate at the time of registration but the owner has since moved.

No,that’s the issue I have. It was never correct. It happened while we we’ve been living here. Someone who never lived here has used my address.

But this happens a lot is what the poster is saying and they can't then just slap charges on old addresses. The names and addresses have to match. 
A baliff turns up at your house, get out your ID and prove you are not the debtor and they will go. I believe the nature of a ltd company is that they can't actually come after your personal assets. 

The company are just trying to scare you so that they get payment.

What about the address fraud you mentioned previously? Did you report it anywhere?
Thanks

I didn't know who to report it to tbh, and I figured it wasn't anything too serious as it was just car insurance and they haven't written since. 
Land registry not so great, maybe you can write in a complaint to them but they just process paperwork so I'm not sure what they can do. They can't change it. 

If the council do wish to pursue a charge on your address they will have to prove the house is an asset of the ltd company I imagine, and a quick land registry search will prove that it isn't. If you are concerned go to land registry alerts and set one up for your house. You will be notified if anyone tried to add a charge or make any changes to your title documents.

Well if they keep pursuing it through courts they’ll be wasting a lot of the time and tax payers money.
I’ve already got the alert set up.
Thanks 

fourmarks

What are they actually seeking payment for?