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Bit Of A Worry...

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I bought my house just over 3 years ago now and in that time have had loads of spam mail and debt letters for the previous occupents all of which i either called the company and told them they no long… Read More
king261 Avatar
9y, 1m agoPosted 9 years, 1 month ago
I bought my house just over 3 years ago now and in that time have had loads of spam mail and debt letters for the previous occupents all of which i either called the company and told them they no longer live here or posted it back with "no longer at this address" on.

thankfully all this has calmed down now and rarely get any. however last week there was a letter stating that one of the previous owners has had a loan accepted and they had put my address down as to where she was residing, i called the company who then proceeded to take the details and advised me not to worry and they will deal with it, so i left it at that. today though there was another nice letter on my door step advising that the same person has had another loan accepted to which i have again called them and they will deal with it. i expressed my concerns with regards to it possibly being fraudulent and they will be investigating it.

Questions i have are:

1. I believe that the previous owner is applying for these loans fraudulantly in this address, is there anyone i can report this to?

2. Will this (and the numourus debt letters for the previous occupents) affect the credit rating for myself and the other half?

3. If it does affect us is there anyway that it can be removed?

Thanks in advance
king261 Avatar
9y, 1m agoPosted 9 years, 1 month ago
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Comments/page:
#1
maybe contact someone like experian or another credit reference agency and see if they can give you advice, also register with mailing preference agency that might stop rubbish mail
#2
Check your credit file with experian - its £2 I think. you can have anything that isnt yours marked as such. I dont know too much about it but theres stuff on MSE telling you how to sort it out
banned#3
call the police as they may well be interested as its mulitple fraud.

surprised the person hasnt been nicked already.
#4
Well the loan company has got to have bank details of the person who as applied for the loan etc so maybe worth reporting it to the police. The people who lived in our old house done the same sort of thing to us. We even had the police round one day because there dog had attacked and killed another dog while they were out walking and they gave our address. We had baliffs by the dozen. Luckily I was told that the law had changed and the credit agencies check on the person not the address and after all the troulbe we had out credit rating was never affected so there must be some truth.

Might be best you do a credit check for yourself I have attached a link below, hope this helps. Good luck

http://www.experian.co.uk/creditreport/
#5
There is also £6.50 cashback avaliable through quidco for experian:

http://www.quidco.com/free-experian-credit-report/
#6
Firstly as others have suggested get a credit report via

http://www.experian.co.uk/

or

https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14

Make sure you only go for the £2 statutory report. Personally I dont think the other report is worth £15

Next check this carefully. Credit reports are based on the person and the address. Not by address alone.

For any correspondence you receive from loan companies alway write back explaining that the person is not at your address and request that they acknowledge in writing. I dont think telephoning has the same effect.

As for stopping this or alerting someone remember that the above agencies are simply collecting data from the loan/credit companies. So the best people to tell are the loan/credit companies rather than the agency which is simply extracting data from them.
#7
Yes , Best Bet Is To Report It To The Police.
#8
cheers for the advice, think ill get a report and i be giving the local bobbies a ring tomorrow. again thanks for the advice :)
#9
You opened mail that wasnt addressed to yourself? Thats an offence in itself, I would have done the same myself but the way the law works these days its an a$$ and my luck I would probably end up with repurcussions from that!
Whilst its true an individual address is not credit blacklisted anymore, a lot of decisions are made on postcodes so I wouldnt worry about that. As others have said double check against credit reports to be on the safe side.
#10
i was thinking the saME
#11
I agree ............It is a bit of a worry. I t sesms to happen a lot . My mum [in her 70's] moved to another house a few years ago , the previous tenant ,a single mum must have been getting credit/catalogue stuff and not paying for it . My mum was getting calls and visits from the bailifs/debt collectors . I was fuming and rang them up . I was prepared to do Battle ,but it stopped . Imagine a couple of bald headed , black leather jacketed bruisers knocking on a pensioners door in a threatening manner .....................

Sawn-off at the ready ...............................take that you brute's .
#12
For your spam mail problems, register at http://www.mpsonline.org.uk/mpsr/ and it should stop some of it.

For your debt problems, I would adive you to do two things.

Firstly get in contact with your local electoral office and make sure the only people registered on the electoral roll at your address is you and our family.

Secondly get a credit report from experian and find out who's registered with debt at your address and contact experian if anyone other than you are registered. You an disasosiate yourself from previous tenants and also disasosiate previous tenants/owners from your address. You can actually phone Experian and talk to an advisor for more info.
#13
ricko;2300488
Imagine a couple of bald headed , black leather jacketed bruisers knocking on a pensioners door in a threatening manner .....................

Sawn-off at the ready ...............................take that you brute's .

Thats not the way most legitimate debt collectors dress or behave, they may have to come across firm and no nonsense but mostly they have a heart too, they are more often that not willing to work with you to make arrangements that are affordable to pay for the debtor, otherwise they may not see a penny, as there are limits to what can be taken and a lot of places visited have nothing that is worth seizing to secure a debts repayment. X amount each week is preferable to nothing as the debts are usually bought from the original company by the debt collection agency.
#14
harlzter
Thats not the way most legitimate debt collectors dress or behave, they may have to come across firm and no nonsense but mostly they have a heart too, they are more often that not willing to work with you to make arrangements that are affordable to pay for the debtor, otherwise they may not see a penny, as there are limits to what can be taken and a lot of places visited have nothing that is worth seizing to secure a debts repayment. X amount each week is preferable to nothing as the debts are usually bought from the original company by the debt collection agency.


Right ,but berfore these people should call on anyone at an address ,they should do some research and actually find out who has moved out of the address and who's moved in instead of asuming that anyone living there is guilty of fraudulant activity .
My mum , at her age should not be harassed by anyone claiming the person living at her address owes money .
#15
ricko;2303908
Right ,but berfore these people should call on anyone at an address ,they should do some research and actually find out who has moved out of the address and who's moved in instead of asuming that anyone living there is guilty of fraudulant activity .
My mum , at her age should not be harassed by anyone claiming the person living at her address owes money .


"These people" happen to include a fair few relatives of mine, you are just making a general assumption about debt collectors.
They usually write to the person who claims to be living at that address so if everyone just returned post writing on the envelope not at this address they would investigate further, if the envelope addressed to the debtor has been opened before being returned it looks suspicious as this tactic is tried by people trying to dodge their debts. You'd be surprised by how much investigating goe's on and how many contact attempts are made before they send the men out - I suppose you would call them all "heavies" though.

A lot goes into how much post is returned marked "not at this address" not just to them (collection companies) but general letters from catalogue comapnys, advertising letters etc, if these are returned as not at this address the names are removed from databases. But people just open them, see them as uninteresting then bin them. How else would you suggest they investigate after all these avenues have been explored other than visiting the property? If people are still showing at an address through databases and people not returning post addresed to others (which is an offence itself) then records will not be updated.


Just because someone is not on an electoral register for that address it doesnt mean they are not there. They dont go around intimidating innocent people, if you are aggrieved by what a particular member of staff for an agency has done to your mum then report it to the company, their are strict rules they have to adhere to by law. With any type of worker there are going to be ones that dont carry out their duties properly and to the letter and the management will deal with them, they have a poor enough image through misconception as it is by others like yourself and prefer that workers like this are reported and weeded out.

what other suggestions do you have for checking who resides at a property?
1) electoral register? People just avoid going on it to try and avoid debts
2) databases exist that collate information on who lives at a property, this only gets updated when they get informed someone has moved out, this doesnt happen by people binning letters not addressed to them,

The most reliable way is calling at a property in a polite manner and asking the people who answer the door, the agents are quite astute people and can tell when they are being told the truth or a load of old bull.

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