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  • FIRST POST
    • Jrowe
    • By Jrowe 10th Aug 18, 4:12 PM
    • 4Posts
    • 0Thanks
    Jrowe
    Someone else's address
    • #1
    • 10th Aug 18, 4:12 PM
    Someone else's address 10th Aug 18 at 4:12 PM
    My brother used my mother's address to get his mortgage although he has never lived there and did it without permission. Is this legal and can my mother get into trouble?
Page 1
    • PasturesNew
    • By PasturesNew 10th Aug 18, 4:15 PM
    • 64,574 Posts
    • 379,177 Thanks
    PasturesNew
    • #2
    • 10th Aug 18, 4:15 PM
    • #2
    • 10th Aug 18, 4:15 PM
    Your mother cannot get into trouble.

    It is possible that he did it to hide something bad from the lender, so they wouldn't discover a bad credit rating, or a big debt - in which case, if discovered, he'd be harming his own future lending potential.

    No worries for your mother though if she didn't know, or didn't know what he was using it for.
    • need an answer
    • By need an answer 10th Aug 18, 4:15 PM
    • 957 Posts
    • 1,167 Thanks
    need an answer
    • #3
    • 10th Aug 18, 4:15 PM
    • #3
    • 10th Aug 18, 4:15 PM
    More info needed,

    Documents sent there or raised a mortgage on the property address?

    Has mother been coerced into signing anything?
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    • sal_III
    • By sal_III 10th Aug 18, 5:33 PM
    • 651 Posts
    • 663 Thanks
    sal_III
    • #4
    • 10th Aug 18, 5:33 PM
    • #4
    • 10th Aug 18, 5:33 PM
    It's not uncommon for children that rent and move often, to keep their parent's address for bank statements etc. since this forms part of their credit file, it's normal to give this address when applying for mortgage.

    was that the case?
    • Jrowe
    • By Jrowe 10th Aug 18, 6:30 PM
    • 4 Posts
    • 0 Thanks
    Jrowe
    • #5
    • 10th Aug 18, 6:30 PM
    • #5
    • 10th Aug 18, 6:30 PM
    He only started using my mother's address after he got divorced he lives with his girlfriend but doesn't use her address and has never lived at my mother's address.
    • need an answer
    • By need an answer 10th Aug 18, 7:26 PM
    • 957 Posts
    • 1,167 Thanks
    need an answer
    • #6
    • 10th Aug 18, 7:26 PM
    • #6
    • 10th Aug 18, 7:26 PM
    So presumably your mum keeps the post for him and gives it to him when she see's him.

    She may not have given "permission" for him to use the address but it seems like she doesn't mind that much else she would return the items received as "not at this address"


    Not sure why you think she may get into trouble although if I were a betting person I would say your brother doesn't live with his girlfriend officially so she can claim some benefit or other as a single person.

    No doubt bits will be drip fed to the thread at a later stage....
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    • Jrowe
    • By Jrowe 18th Aug 18, 12:46 PM
    • 4 Posts
    • 0 Thanks
    Jrowe
    • #7
    • 18th Aug 18, 12:46 PM
    Address
    • #7
    • 18th Aug 18, 12:46 PM
    Is it legal or fraudulent?
    • GrumpyDil
    • By GrumpyDil 18th Aug 18, 12:49 PM
    • 188 Posts
    • 145 Thanks
    GrumpyDil
    • #8
    • 18th Aug 18, 12:49 PM
    • #8
    • 18th Aug 18, 12:49 PM
    If*s fraudulent if he is using it to commit fraud!
    • worried jim
    • By worried jim 18th Aug 18, 2:19 PM
    • 9,583 Posts
    • 14,759 Thanks
    worried jim
    • #9
    • 18th Aug 18, 2:19 PM
    • #9
    • 18th Aug 18, 2:19 PM
    Is it legal or fraudulent?
    Originally posted by Jrowe
    Yep, sounds like it. Lied about adddress history to get a product, not too many legitimate reasons to do this. What do you intend to do?
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • theartfullodger
    • By theartfullodger 18th Aug 18, 3:08 PM
    • 9,826 Posts
    • 13,333 Thanks
    theartfullodger
    Yup, fraud:



    He may find (unlikely...) that his mortgage is recalled/ his property repossessed, and that he finds he's on a mortgage/loan blacklist and finds it (almost..) impossible to get a loan/mortgage, certainly at normal rates.


    Which bit of "If you fraudulently apply for a loan things may go bad for you" didn't he understand, please?
    • parkrunner
    • By parkrunner 18th Aug 18, 4:15 PM
    • 1,448 Posts
    • 2,345 Thanks
    parkrunner
    Could cause problems if your mother has been receiving benefits or single occupancy council tax reduction. DWP or council may say he has been living there.
    • G_M
    • By G_M 18th Aug 18, 5:42 PM
    • 45,528 Posts
    • 54,690 Thanks
    G_M
    As long as he makes the required monthly mortgage repayments, I cannot imagine the lender will either find out, or if they do, will care.


    If he gets into arrears and they start checking the background to his application, then yes, potentially they could conclude he made a fraudulant application.


    Unless they could prove his mother was complicit in this, she would not get into trouble.
    • Jrowe
    • By Jrowe 18th Aug 18, 8:09 PM
    • 4 Posts
    • 0 Thanks
    Jrowe
    Thanks everyone as long as he doesn't get my mother in trouble I guess it's ok but I will be be giving him a severe talking to and tell him to sort it out!
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