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  • FIRST POST
    • literallyaskingforafriend
    • By literallyaskingforafriend 19th Sep 19, 12:20 PM
    • 5Posts
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    literallyaskingforafriend
    Former housemate moved out - 118 won’t change address
    • #1
    • 19th Sep 19, 12:20 PM
    Former housemate moved out - 118 won’t change address 19th Sep 19 at 12:20 PM
    Hi there,

    My friend, let’s say Jenny, used to have a housemate, let’s say Sarah, who raked up quite a bit of credit card debt on three credit cards and ended up moving out without changing her address. For other reasons they do not speak anymore and this has always been a sore topic, with Sarah denying any debt. Jenny does not believe Sarah would ever get the address changed if she could avoid it. After she moved out, Jenny has received a lot of letters that she can identify as being from credit card, often three a week. She’s called a few on numbers located online or on leftover letters and everyone has been good with changing the address from hers to Sarah’s new one. All except 118.

    She has attempted to explain that this is not the correct address but they simply will not do anything but ‘leave a note’ on the account (which was a number Jenny could provide) brcause she’s not the account holder.

    She’s tried sending the letters back but they still continue to arrive.

    Do any of you know what she can do in order to not receive these letters and to get the address on the account changed without contacting Sarah? Does she have any rights at all as the current resident at the address where the account holder no longer lives?
Page 1
    • comeandgo
    • By comeandgo 19th Sep 19, 12:26 PM
    • 2,719 Posts
    • 3,732 Thanks
    comeandgo
    • #2
    • 19th Sep 19, 12:26 PM
    • #2
    • 19th Sep 19, 12:26 PM
    Just write " no longer at this address" on each and every one, pop it in a letter box and in time 118 will get the message.
    • molerat
    • By molerat 19th Sep 19, 12:28 PM
    • 21,369 Posts
    • 15,629 Thanks
    molerat
    • #3
    • 19th Sep 19, 12:28 PM
    • #3
    • 19th Sep 19, 12:28 PM
    Just bin them. Scum level lenders such as 118 are unlikely to change address without a substantiated new one as they are used to the no longer lives here excuse as a way of trying to get out of repaying.
    https://www.helpforheroes.org.uk/give-support/donate-now/
    • Ergates
    • By Ergates 19th Sep 19, 12:33 PM
    • 598 Posts
    • 811 Thanks
    Ergates
    • #4
    • 19th Sep 19, 12:33 PM
    • #4
    • 19th Sep 19, 12:33 PM
    118 Can't change the address on Jenny's say so. None of the others should have done so either. (Though they could use the phone call to do some further checks of their own)

    Only the account holder, or someone authorised to speak on their behalf should be able to update their account details directly.

    Imagine if you will, that MrBadMan knew your name and address, and phoned up your bank and said "literallyaskingforafriend has moved out of <your current address>, they now live at <MrBadMan's address>, can you send all their post there now". Now MrBadMan is now getting all your mail from your bank. This would be sub optimal .
    • garth549
    • By garth549 19th Sep 19, 12:37 PM
    • 369 Posts
    • 174 Thanks
    garth549
    • #5
    • 19th Sep 19, 12:37 PM
    • #5
    • 19th Sep 19, 12:37 PM
    As above - if the debt is not in your name you have no need to worry. Just write "not at this address" in permanent marker on anything and put it back in a postbox.
    • Terry Towelling
    • By Terry Towelling 19th Sep 19, 12:38 PM
    • 1,953 Posts
    • 1,643 Thanks
    Terry Towelling
    • #6
    • 19th Sep 19, 12:38 PM
    • #6
    • 19th Sep 19, 12:38 PM
    Jenny has received a lot of letters that she can identify as being from credit card, often three a week. She’s called a few on numbers located online or on leftover letters and everyone has been good with changing the address from hers to Sarah’s new one. All except 118
    Are you really telling us that some credit card companies allowed an address to be changed as a result of a telephone call from someone other than the account holder, and that 118 are the only ones who wouldn't?
    • Chino
    • By Chino 19th Sep 19, 1:00 PM
    • 1,108 Posts
    • 746 Thanks
    Chino
    • #7
    • 19th Sep 19, 1:00 PM
    • #7
    • 19th Sep 19, 1:00 PM
    Are you really telling us that some credit card companies allowed an address to be changed as a result of a telephone call from someone other than the account holder, and that 118 are the only ones who wouldn't?
    Originally posted by Terry Towelling
    Didn't you read the OP?
    She’s called a few on numbers located online or on leftover letters and everyone has been good with changing the address from hers to Sarah’s new one. All except 118.
    Originally posted by literallyaskingforafriend
    • Paul_DNAP
    • By Paul_DNAP 19th Sep 19, 1:07 PM
    • 672 Posts
    • 829 Thanks
    Paul_DNAP
    • #8
    • 19th Sep 19, 1:07 PM
    • #8
    • 19th Sep 19, 1:07 PM
    The only involvement your friend should have is marking them "Not known at this address (moved away). Return to sender". She should not be contacting them herself at all. Perhaps drop a note into the envelope with the new address on, but that's coming close to interfering in other people's mail.


    When the guy in the flat before me did that, I printed it off on a few sheets of blank labels - put the not known sticker over the address window and throw into the postbox, let royal mail and the sender sort it out.


    Tell Jenny to be extra wary of getting her name too closely associated with other people's debts - if they ever make the "mistake" and put Jenny's name on the notes of the account as being involved in the debt then it could get messy for her.
    (Although I could be wrong, I often am.)
    • eddddy
    • By eddddy 19th Sep 19, 1:39 PM
    • 8,504 Posts
    • 8,785 Thanks
    eddddy
    • #9
    • 19th Sep 19, 1:39 PM
    • #9
    • 19th Sep 19, 1:39 PM
    Are you really telling us that some credit card companies allowed an address to be changed as a result of a telephone call from someone other than the account holder, and that 118 are the only ones who wouldn't?
    Originally posted by Terry Towelling
    Yes - clearly they won't action a change of address from anyone except the account holder.

    But I've known at least one CC company to just stop all outgoing mail to an account holder, if they suspect an address is out of date. (e.g. to avoid sending new cards etc to an old address.)

    They then wait for the account holder to contact them to confirm/deny that they have moved.

    (Maybe they send one last letter to the address they have saying 'please contact us urgently'.)

    Maybe that's why the letters from the CC companies have stopped.
    • Willing2Learn
    • By Willing2Learn 19th Sep 19, 1:50 PM
    • 4,377 Posts
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    Willing2Learn
    If it were me, and the letters were becoming a nuisance, then I would open one of the letters. I would then attach it to my written reply advising them of Sarah's current address...Job done...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • literallyaskingforafriend
    • By literallyaskingforafriend 19th Sep 19, 2:10 PM
    • 5 Posts
    • 2 Thanks
    literallyaskingforafriend
    Neither me nor my friend are experienced with these companies so I don’t know if they actually did it or not. She was told, quote, ‘thanks for letting us know, we’ll get that changed’ by one, and was assured she’d not be receiving any more letters by another. And she hasn’t received any more letters from them and it’s been over two months where she used to receive at least one a week prior to this.
    • fewcloudy
    • By fewcloudy 19th Sep 19, 2:31 PM
    • 284 Posts
    • 163 Thanks
    fewcloudy
    She’s called a few on numbers located online or on leftover letters and everyone has been good with changing the address from hers to Sarah’s new one. All except 118.
    Originally posted by literallyaskingforafriend
    A slight clarification needed here.

    I suspect all of them have been good with changing the address from hers to... "NOT KNOWN AT THIS ADDRESS".

    They may have said 'Thanks for letting us know' but they won't change her address to a new one just on Jenny's say-so.

    Pretty much what some others on here have already said I guess

    fc
    Feb 2008, 20year lifetime tracker with Sproggit and Sylvester, 0.14% + base for 2 years, then 0.99% + base till end of mortgage...
    • born again
    • By born again 19th Sep 19, 3:09 PM
    • 328 Posts
    • 148 Thanks
    born again
    The companies will have added a gone away marker to the account, which means no mail is sent out. Odds on the debt will be passed to a 3rd party who will find the new address of the debtor and then chase them that way.
    Unless card co feel it's worth it and do it themselves.
    • Fire Fox
    • By Fire Fox 19th Sep 19, 3:13 PM
    • 25,147 Posts
    • 29,390 Thanks
    Fire Fox
    My friend, let’s say Jenny, used to have a housemate, let’s say Sarah, who raked up quite a bit of credit card debt on three credit cards and ended up moving out without changing her address. For other reasons they do not speak anymore and this has always been a sore topic, with Sarah denying any debt.

    Jenny does not believe Sarah would ever get the address changed if she could avoid it. After she moved out, Jenny has received a lot of letters that she can identify as being from credit card, often three a week ....

    Do any of you know what she can do in order to not receive these letters and to get the address on the account changed without contacting Sarah? Does she have any rights at all as the current resident at the address where the account holder no longer lives?
    Originally posted by literallyaskingforafriend
    Welcome to MSE.

    Does 'Jenny' have any rights to what?

    She was never receiving these letters, they were addressed to 'Sarah'.

    Why is 'Jenny' so irked by someone else's fiscal foolishness?

    She was told, quote, ‘thanks for letting us know, we’ll get that changed’ by one, and was assured she’d not be receiving any more letters by another. And she hasn’t received any more letters from them and it’s been over two months where she used to receive at least one a week prior to this.
    Originally posted by literallyaskingforafriend
    'Jenny' was never receiving these letters, they were addressed to 'Sarah'.

    Just chuck them in the recycling box.
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
    • literallyaskingforafriend
    • By literallyaskingforafriend 19th Sep 19, 6:11 PM
    • 5 Posts
    • 2 Thanks
    literallyaskingforafriend
    I realise that I may have worded this wrong — all I really wanted to know if she, as the sole resident, could request her address to be removed.

    She’s not ‘irked’ by Sarah’s fiscal foolishness, she is worried about whether or not it could have an impact on her in terms of collection. It’s worth mentioning that we are both in our early to mid twenties and very unsure about whether or not any debt collection measures can be taken. She’d rather not be involved in that, and considering she receives at least a letter a week with no sign of it stopping, I thought I would ask, see if anyone had any advice. And yes, she is receiving these letters. They are coming through her mailbox, into her home, whether or not they’re addressed to her :-)
    • Willing2Learn
    • By Willing2Learn 19th Sep 19, 6:19 PM
    • 4,377 Posts
    • 3,912 Thanks
    Willing2Learn
    … all I really wanted to know if she, as the sole resident, could request her address to be removed.

    ...she is worried about whether or not it could have an impact on her in terms of collection... and very unsure about whether or not any debt collection measures can be taken...
    Originally posted by literallyaskingforafriend
    Okay...now you are being crystal clear.

    'Jenny' does not need to worry. Collection measures can only be taken against an individual ('Sarah') and not an address. So if 'Jenny' was to check her three credit files, the 118 account would not be listed.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • born again
    • By born again 19th Sep 19, 6:29 PM
    • 328 Posts
    • 148 Thanks
    born again
    Why is she opening mail addressed to someone else.
    Don't bin it or it will continue.
    • literallyaskingforafriend
    • By literallyaskingforafriend 19th Sep 19, 6:36 PM
    • 5 Posts
    • 2 Thanks
    literallyaskingforafriend
    She isn’t :-)

    Thanks everyone for your advice, she’ll continue to send the mail back and hope that it works.
    • Terry Towelling
    • By Terry Towelling 19th Sep 19, 6:47 PM
    • 1,953 Posts
    • 1,643 Thanks
    Terry Towelling
    Didn't you read the OP?
    Originally posted by Chino
    Yes. Your point being?
    • jimbo26
    • By jimbo26 20th Sep 19, 6:55 AM
    • 706 Posts
    • 522 Thanks
    jimbo26
    Jenny doesn't need to worry as it will have no impact on her. Tell Jenny to stop worrying and get on with enjoying life. If Jenny has the time she can write 'no longer at this address' to anything for Sarah and put it in the post box.
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