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  • FIRST POST
    • petesmile
    • By petesmile 15th Apr 18, 1:24 PM
    • 16Posts
    • 1Thanks
    petesmile
    Debt Collectors Coming After Person Who No Longer Lives Here
    • #1
    • 15th Apr 18, 1:24 PM
    Debt Collectors Coming After Person Who No Longer Lives Here 15th Apr 18 at 1:24 PM
    Ive lived in the property 18 months now; previous tenant (AB) moved out before then.

    AB still receives some post, including from bank at my address.

    Recently, AB received a chasing letter from a debt collector. I dont see how AB will get this letter since there is no forwarding address and AB doesnt collect mail.

    So, I imagine that the debt collector will keep sending mail and eventually even send bailiffs around is that a possibility? I really dont want to have bailiffs coming around disturbing my piece.

    Is there anything I can do in this situation? Should I be worried? What can I do to convince debt collector that AB no longer lives here and that they should stop sending mail.
Page 1
    • comeandgo
    • By comeandgo 15th Apr 18, 1:28 PM
    • 2,139 Posts
    • 2,922 Thanks
    comeandgo
    • #2
    • 15th Apr 18, 1:28 PM
    • #2
    • 15th Apr 18, 1:28 PM
    Any mail you get for AB write on the envelope "no longer lives here" "return to sender" and pop it back in a postbox. Any debt collector you tell them the same, they are no longer at that address.
    • RG2015
    • By RG2015 15th Apr 18, 1:31 PM
    • 1,301 Posts
    • 766 Thanks
    RG2015
    • #3
    • 15th Apr 18, 1:31 PM
    • #3
    • 15th Apr 18, 1:31 PM
    I would suggest returning the letter unopened with a message written on the back saying that AB no longer at this address. There should be a return address on the back of the envelope.

    I assume though that you have opened the envelope which was not a good idea as this suggests that you want to pry into someone else's affairs which doesn't really demonstrate good faith. Any future mail should certainly be returned unopened.
    Last edited by RG2015; 15-04-2018 at 1:36 PM.
    • petesmile
    • By petesmile 15th Apr 18, 1:31 PM
    • 16 Posts
    • 1 Thanks
    petesmile
    • #4
    • 15th Apr 18, 1:31 PM
    • #4
    • 15th Apr 18, 1:31 PM
    Thanks for the response.

    My concern is - will debt collection agencies eventually send bailiffs around (since they almost certainly won't hear from AB along the way)...
    • kazwookie
    • By kazwookie 15th Apr 18, 1:33 PM
    • 9,875 Posts
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    kazwookie
    • #5
    • 15th Apr 18, 1:33 PM
    • #5
    • 15th Apr 18, 1:33 PM
    Return to sender and put in post box
    Sun, Sea
    Slinky start date 29.01.18 28 to go / -14 so far and counting!!
    • RG2015
    • By RG2015 15th Apr 18, 1:35 PM
    • 1,301 Posts
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    RG2015
    • #6
    • 15th Apr 18, 1:35 PM
    • #6
    • 15th Apr 18, 1:35 PM
    Thanks for the response.

    My concern is - will debt collection agencies eventually send bailiffs around (since they almost certainly won't hear from AB along the way)...
    Originally posted by petesmile
    I imagine that they would check the electoral register before sending in the bailiffs. Have you tried searching on Google?
    • petesmile
    • By petesmile 15th Apr 18, 1:49 PM
    • 16 Posts
    • 1 Thanks
    petesmile
    • #7
    • 15th Apr 18, 1:49 PM
    • #7
    • 15th Apr 18, 1:49 PM
    No, I've not Googled. I'll check.

    Thanks for the response.
    • A4445
    • By A4445 15th Apr 18, 2:34 PM
    • 792 Posts
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    A4445
    • #8
    • 15th Apr 18, 2:34 PM
    • #8
    • 15th Apr 18, 2:34 PM
    Be warned, you can be fined up to 1000 for opening mail not addressed to yourself!
    • z1a
    • By z1a 15th Apr 18, 2:42 PM
    • 1,432 Posts
    • 1,377 Thanks
    z1a
    • #9
    • 15th Apr 18, 2:42 PM
    • #9
    • 15th Apr 18, 2:42 PM
    Be warned, you can be fined up to 1000 for opening mail not addressed to yourself!
    Originally posted by A4445
    RUBBISH!!!
    It's not illegal in any way.
    • chattychappy
    • By chattychappy 15th Apr 18, 2:42 PM
    • 6,864 Posts
    • 3,727 Thanks
    chattychappy
    Be warned, you can be fined up to 1000 for opening mail not addressed to yourself!
    Originally posted by A4445
    No you can't!

    Mail is considered correctly delivered when it is delivered to the ADDRESS, not any particular named person.

    Theoretically you could be on the hook for criminal damage.... (and the penalties are greater), but that's rather unlikely.
    • DCFC79
    • By DCFC79 15th Apr 18, 2:43 PM
    • 32,369 Posts
    • 20,357 Thanks
    DCFC79
    Be warned, you can be fined up to 1000 for opening mail not addressed to yourself!
    Originally posted by A4445
    Not this old chestnut again, 1 can open it as long as the person opening it doesnt do anything untoward eg open an account or commit fraud.

    Ive opened post for someone who doesn't live here anymore.

    OP just send it back as return to sender.
    Last edited by DCFC79; 15-04-2018 at 2:51 PM.
    • RG2015
    • By RG2015 15th Apr 18, 2:43 PM
    • 1,301 Posts
    • 766 Thanks
    RG2015
    Be warned, you can be fined up to 1000 for opening mail not addressed to yourself!
    Originally posted by A4445
    Not sure about this and as you haven't included any information on the provenance for this I Googled it and got an MSE thread from 2011 with 4 pages of comments on opening letters!

    I have posted a link to this below. A read a few of the posts on page 1 and then got bored.

    http://forums.moneysavingexpert.com/showthread.php?t=2996652#topofpage
    • Indebted2U
    • By Indebted2U 15th Apr 18, 2:49 PM
    • 179 Posts
    • 416 Thanks
    Indebted2U
    Hi Pete

    Although annoying don!!!8217;t worry to much about this. Step change a debt charity has some good advice on the law regarding this problem and what you can do.
    https://www.stepchange.org/debt-info/your-rights/debts-not-in-my-name.aspx
    • A4445
    • By A4445 15th Apr 18, 2:51 PM
    • 792 Posts
    • 360 Thanks
    A4445
    I stand corrected lol.

    Im sure tho its some where in the Postal Services Act 2000, its a massive document to loook through!
    • chattychappy
    • By chattychappy 15th Apr 18, 2:58 PM
    • 6,864 Posts
    • 3,727 Thanks
    chattychappy
    Not sure about this and as you haven't included any information on the provenance for this I Googled it and got an MSE thread from 2011 with 4 pages of comments on opening letters!

    I have posted a link to this below. A read a few of the posts on page 1 and then got bored.

    http://forums.moneysavingexpert.com/showthread.php?t=2996652#topofpage
    Originally posted by RG2015
    Or this one from 2012 where I quoted the relevant law at post 18 http://forums.moneysavingexpert.com/showthread.php?t=4307699
    • chattychappy
    • By chattychappy 15th Apr 18, 3:16 PM
    • 6,864 Posts
    • 3,727 Thanks
    chattychappy
    I stand corrected lol.

    Im sure tho its some where in the Postal Services Act 2000, its a massive document to loook through!
    Originally posted by A4445
    It is in there. Including an interpretation section which people don't read - hence the mythology!
    • nic_c
    • By nic_c 15th Apr 18, 3:56 PM
    • 1,632 Posts
    • 887 Thanks
    nic_c
    If post is coming from the bank, then at the very least AB's credit file will show a bank account linked to your address, thus debt collectors etc will connect it to his other debts and send letters there.
    You can search contacts from return address, but TBH just open them and contact all creditors and inform he is no longer at the address. You don't have to confirm you have opened the letter, but a bit effort now is surely worth it.
    • Shakin Steve
    • By Shakin Steve 15th Apr 18, 10:08 PM
    • 1,507 Posts
    • 1,248 Thanks
    Shakin Steve
    Mail that drops through my letterbox gets opened........unless I have an agreement with a previous occupier or a neighbour. My letterbox, my mail.
    I came into this world with nothing and I've got most of it left.
    • petesmile
    • By petesmile 15th Apr 18, 10:49 PM
    • 16 Posts
    • 1 Thanks
    petesmile
    I've diligently been sending back letter after letter, month after month for 18 months now. My arm hurts from writing "Return to sender - not at this address".

    Yet even the receivers of the return mail take no heed. I know, as I keep receiving the same header addresses in their recognizable envelopes, etc.
    • Krisko
    • By Krisko 15th Apr 18, 11:02 PM
    • 56 Posts
    • 7 Thanks
    Krisko
    I've diligently been sending back letter after letter, month after month for 18 months now. My arm hurts from writing "Return to sender - not at this address".

    Yet even the receivers of the return mail take no heed. I know, as I keep receiving the same header addresses in their recognizable envelopes, etc.
    Originally posted by petesmile
    Stop worrying about it and throw the letters not addressed to you away with the other junk mail. No need to bother opening them.

    I think it's very unlikely that someone will show up on your door, but if someone do just let them know that the person they're looking for isn't living there anymore.
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