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