how i stop someone using my address for bad credit

[drambuie]

i have been receiving phone calls, debt collecting letters,bailiffs for someone who has given my address as his address. he has in recent weeks added 2 females unpaid debt to my address. i dont know the name ive lived here for 11 years how do i put a stop to this.all the relevant companies have been informed but still the visits and letters keep arriving. what more can i do ?

[jason1980]

Whats worrying is that for this person to get credit he needs to have proof of his address often in the form of utility bills, letters e.t.c

I think you should go to the police and at the very least get a crime number. You can quote this crime number to all the debts so at least they can call the police and check you are telling the truth.

[Catso]

I don't know.

The same has happened to me, and seems no matter how many times you telephone the companies sending the demanding letters, they just ignore what you tell them, and next month another lot of letters turn up. Are they stupid, do they not understand english?!

Anyway, in the end I gave up and thought 'I've done enough, let them take me to court, then'. Whether it was mere coincidence or not, I don't know, but the letters then stopped!

[drambuie]

the person has taken out all his debt at a previous address and then informed the companies of his new address which is mine ! By the looks of it he has 2 others using my address with his surname and 2 different 1st names.The utility bills have also been forwarded to me. Bailiffs turning up on my door is awful i prove who i am they leave then letters from their company still turn up. Not sure if police can help they are not using my name just the address.

[Catso]

I think that's what happened in my case, too.

It is illegal, using your address, name or both. It's obtaining credit/goods through fraud. The problem is though, locating the person doing it. It isn't very high on the police's lict of priorities, I guess.

It's a bu**er. You're totally innocent, and you're the one that gets all the grief and upset. The ba****ds seem able to get away with it over and over again. And, of course, we have to pay for what they've stolen, eventually.

[trulli]

You could try sending a copy of mortgage/tenacy agreement. They need proof as anyone could say don't live where they do. Where I used to work we always asked for these. Some daft people though would sometimes send these in proving they were at the address when debt took out.

[spaced]

same happened to my folks. They contacted the police who could not do very much. He also contacted the council, who also didnt do much. You just have to keep sending the letters back

[007007]

log onto www.experian.co.uk and equifax.co.uk and get a copy of you credit report from each company. costs 2 pound each. this can reveal information about addresses from the person who is applying. found the baste... who did it to me like this, i think he's walking again............no really, ******* like this need teaching a lesson so i turned up on his doorstep pretending to be a bailiff! then wrote to his landlord and informed all the companies of his whereabouts and, and his landlords name and address! ahhhh, revenge is sweet!

[mcfc32]

i have had a previous tenant that had changed there surname too avoid debt and now has obtained a loan a bank account a car under the new name and still uses my address too apply for credit what can be done about this ???

[BollockyBill]

Very little it seems. I retired and moved to my current address in October 2015. Shortly thereafter I started to get debt collecting letters for an individual. I checked with the vendors of my property, who had lived here for fifteen years and with all the neighbours and no-one had ever heard of him. I even bank at the same bank as the debtor and they keep sending letters as well. I have notified the police, complained to the banking ombudsman (all of whom seem to have cried off) and still the letters come. I have telephoned the debt collecting agencies and informed them, but nothing stops the letters. I don't get 'phone calls as I am ex-directory. I now return all the mail to the senders with ever-increasing acid comments on them in the hope that someone will take notice, but so far, no-one has. It is significant that I only get debt letters for this person, no private mail at all. I have pointed this out to all concerned, but the bank says that they are legally required to write to 'his last known address' - which they say is mine! I eagerly await the bailiffs as I am sure my good lady will commit several offences under S18 of the Offences Against the Person Act. That may bring things to a head as she is severely brassed off by the whole issue.