Bankrupcy should I be worried at all?

13
Found 28th Jun 2008
Just seen that my current address is in the local rag as the people that previously lived here have gone bankrupt using various names,does that mean I will get a load of debt collectors knocking now?

I'm a little worried as later this year we will be taking a mortgage on this house,will this bankrupcy thing cause me any problems with credit etc?

I still get heaps of post for them and usually put it back in the postbox with a not known at this address,I do know where they live now.
Do I continue putting it in the postbox to be returned or can I open it and ring the relevant companies and explain the situation?
The lettes range from Abbey National to Next,Tmobile,catalogues etc etc so i gather the majority of them are unpaid bills

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We had the same problem when we moved into our last house. Had loads of debt collectors at door and at one point we had the police as they were still giving our address. We never had any probs getting credit. I think the law changed a few years ago where it actually goes on your name not the address. Credit companies usually look at your previous address and dates you moved in etc... If our experience is anything to go by hopefully you should have no problems. It is worth registering with experian the credit ref agency, I think the first month with them is free so it gives you chance to check you credit score then you can cancel it after your trial so worth doing. Hope this helps and good luck

experian.co.uk/cre…rt/

If you go through quidco and sign up for free month trial they pay you £6.50 so you gain lol

Just to add what I done was opened the letters and rang the company to explained that we are still getting letter for previous occupiers and tell them the date they moved out and that you have no forwarding address, also you belive they have gone bankrupt they should then stop sending there mail to you.

it certainly does go off the name and dates, but your address does come into play for example if you dont give the correct dates and it corresponds with the dates the previous tennants/bad debtters where at the address tht can have an effect.

its also a must to get on the voters roll immediatly at your new address as this can have a big impact in getting credit.

but dont worry at all. when we moved in we had all sorts of tat demands etc so i just wrung them all told them they had gone and never had any issues.

Original Poster

Thankyou,I wondered if they blacklist the address or your name

Original Poster

can I legally open the previous occupiers post and call the companies involved?

Yes bad credit will be on the persons name in the U.K. in countries like Spain it still stays with the house.

Mardyass;2411088

can I legally open the previous occupiers post and call the companies … can I legally open the previous occupiers post and call the companies involved?



No, I used to be a postman and know that is against the law, return to sender and the post office will have it sent back and the company will open it and see that they dont live there anymore.

Original Poster

Wodja;2411095

No, I used to be a postman and know that is against the law, return to … No, I used to be a postman and know that is against the law, return to sender and the post office will have it sent back and the company will open it and see that they dont live there anymore.



I had a feeling I couldnt legally do it:x but I've been sending the letters back since august last year and they still keep piling up on my doormat from the same companies

Wodja;2411095

No, I used to be a postman and know that is against the law, return to … No, I used to be a postman and know that is against the law, return to sender and the post office will have it sent back and the company will open it and see that they dont live there anymore.



yes indeed it is illegal but most of these companies put address on the back of the envelopes, google them and ring them or you will keep getting **** off them for a long long time.

Mardyass;2411101

I had a feeling I couldnt legally do it:x but I've been sending the … I had a feeling I couldnt legally do it:x but I've been sending the letters back since august last year and they still keep piling up on my doormat from the same companies



I used to work in the sorting office where they send them back and the letters will sit there for ages unopened then the post office should eventually get round to opening the letters and sending them back, but it could take some time. If they have sent debt collectors round then the debt collectors should have informed the company that the people dont live there any more and you should stop getting hassled.

Original Poster

hawkio;2411122

yes indeed it is illegal but most of these companies put address on the … yes indeed it is illegal but most of these companies put address on the back of the envelopes, google them and ring them or you will keep getting **** off them for a long long time.



good idea thankyou
I did open their next bill by mistake a few months ago as my next statement was due around the time,I was shocked to see my bill was outstanding to the tune of £3,800 til I realised it wasnt my bill at all phhewwwwww
Think my hubby would have my guts for garters if i spent that much on the store card lol

Original Poster

Wodja;2411127

I used to work in the sorting office where they send them back and the … I used to work in the sorting office where they send them back and the letters will sit there for ages unopened then the post office should eventually get round to opening the letters and sending them back, but it could take some time. If they have sent debt collectors round then the debt collectors should have informed the company that the people dont live there any more and you should stop getting hassled.



Havent had debt collectors turn up.....yet!
The previous ppl keep getting this postcard things that are pre-printed and say we called to visit you etc etc we will call again

Mardyass;2411101

I had a feeling I couldnt legally do it:x but I've been sending the … I had a feeling I couldnt legally do it:x but I've been sending the letters back since august last year and they still keep piling up on my doormat from the same companies



Well they are not collecting there mail so I dont see it as a problem. I opened lots of previous occupiers mail and called the companies and not one of them had a problem with it, in fact they appriciated it.

If you do a credit report you will see any problems and you can query them before you apply for any credit. Im sure everything will work out fine. I worried to death but as I said above we never had any problems getting credit. Just do all checking you can before you apply for credit. Because if credit is refused it does effect your credit rating.

Dont stress about it because it will only take a few calls to sort out. Again good luck

We had the same issue when we moved in with previous occupiers' debts. We photocopied our solicitor's letter confirming that our purchase of the house was completed and sent a copy back to the sender each time we got a demand from a different company - never heard from any of them again. We stopped receiving them altogether after about 6 months.
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