Fraudulent Use of Address

user1977

Debt collectors and similar will be very used to fraudulent or simply out of date addresses. I doubt they'll waste their time being persistent unless they actually think there is something fishy going on.

Grumpy_chap

powerful_Rogue said:

Grumpy_chap said:

DE_612183 said:

just return any letters as "not known at this address"

^^^This^^^

DE_612183 said:

contacting the debt collectors directly...

^^^Don't do this^^^

Why not? Easiest solution to try and solve the issue.

No it is not.

Once you engage with the debt company, they get your details and assign your name to the file and then start contacting you directly as though you somehow have some ownership of the issue.

born_again

powerful_Rogue said:

Grumpy_chap said:

DE_612183 said:

just return any letters as "not known at this address"

^^^This^^^

DE_612183 said:

contacting the debt collectors directly...

^^^Don't do this^^^

Why not? Easiest solution to try and solve the issue.

GDPR. They can only discuss with the actual named person, not some random 3rd party. Wonder how many calls from people saying "This person does not live here"?

If several letters have been returned, then bin anymore received.
If it goes as far as court. It's the named person that gets CCJ, not the address. Should any court appointed bailiff turn up. They will be more inclined to take notice that said person does not live there. 

powerful_Rogue

Grumpy_chap said:

powerful_Rogue said:

Grumpy_chap said:

DE_612183 said:

just return any letters as "not known at this address"

^^^This^^^

DE_612183 said:

contacting the debt collectors directly...

^^^Don't do this^^^

Why not? Easiest solution to try and solve the issue.

No it is not.

Once you engage with the debt company, they get your details and assign your name to the file and then start contacting you directly as though you somehow have some ownership of the issue.

I disagree. I've done it at a previous house and the debt collection company were very understanding and sorted the issue.

badmemory

What kind of front door do they have.  I am younger than your parents (79) but effectively live alone.  I answered the door to 2 young men a few weeks ago & realised (not their fault) just how vulnerable I was.  Not sure why just then but I did.  I then remembered a door a friend had in their kitchen to stop their dogs escaping.  My front door is now a stable door & when someone knocks I just open the top & the bottom remains locked.

prowla

DE_612183 said:

lincroft1710 said:

DE_612183 said:

just return any letters as "not known at this address"

This will not always convince debt collectors as dishonest addressees often use this trick.


From previous threads on this subject, it can take months for debt collection letters to stop

The problem is that Royal Mail deliver to addresses not people - so there is not really any other option apart from contacting the debt collectors directly...

Actually, they deliver to people at addresses!

powerful_Rogue

prowla said:

DE_612183 said:

lincroft1710 said:

DE_612183 said:

just return any letters as "not known at this address"

This will not always convince debt collectors as dishonest addressees often use this trick.


From previous threads on this subject, it can take months for debt collection letters to stop

The problem is that Royal Mail deliver to addresses not people - so there is not really any other option apart from contacting the debt collectors directly...

Actually, they deliver to people at addresses!

I disagree. If I send a letter to my house addressed to King Charles, it will still be delivered even though he doesn't live here.

born_again

powerful_Rogue said:

prowla said:

DE_612183 said:

lincroft1710 said:

DE_612183 said:

just return any letters as "not known at this address"

This will not always convince debt collectors as dishonest addressees often use this trick.


From previous threads on this subject, it can take months for debt collection letters to stop

The problem is that Royal Mail deliver to addresses not people - so there is not really any other option apart from contacting the debt collectors directly...

Actually, they deliver to people at addresses!

I disagree. If I send a letter to my house addressed to King Charles, it will still be delivered even though he doesn't live here.

Or even no name..

prowla

powerful_Rogue said:

prowla said:

DE_612183 said:

lincroft1710 said:

DE_612183 said:

just return any letters as "not known at this address"

This will not always convince debt collectors as dishonest addressees often use this trick.


From previous threads on this subject, it can take months for debt collection letters to stop

The problem is that Royal Mail deliver to addresses not people - so there is not really any other option apart from contacting the debt collectors directly...

Actually, they deliver to people at addresses!

I disagree. If I send a letter to my house addressed to King Charles, it will still be delivered even though he doesn't live here.

OK, but as you say, it's addressed to the person, at that location.

The Post Office Act 2000 defines the "addressee" as a person.

user1977

prowla said:

powerful_Rogue said:

prowla said:

DE_612183 said:

lincroft1710 said:

DE_612183 said:

just return any letters as "not known at this address"

This will not always convince debt collectors as dishonest addressees often use this trick.


From previous threads on this subject, it can take months for debt collection letters to stop

The problem is that Royal Mail deliver to addresses not people - so there is not really any other option apart from contacting the debt collectors directly...

Actually, they deliver to people at addresses!

I disagree. If I send a letter to my house addressed to King Charles, it will still be delivered even though he doesn't live here.

The Postal Office Services Act 2000 defines the "addressee" as a person.

But also says "the delivery of a postal packet—

(i) at the premises to which it is addressed...

shall be a delivery to the addressee."

https://www.legislation.gov.uk/ukpga/2000/26/section/125

(comes up repeatedly in discussions here about "incorrectly delivered" items - it's the address of the premises which is "correct", not the name of the addressee)