Ex-resident still using my address for...

[Wings]

surveyor_101 said:

Really how did a credit card of mine get stopped because my tenant sent the mail back not known at this address. I called the card company and they said we had posted back not know at this address?

Opening mail is an offence I believe so tread carefully.

Not quite correct, for the Postal Services Act 2000 states, and i quote

“A person commits an offence if he, without reasonable excuse, intentionally delays or opens a postal packet in the course of its transmission by post, or intentionally opens a mail bag.”

“A person commits an offence if intending to act to a person’s detriment and without reasonable excuse, he opens a postal packet which he knows or reasonably suspects has been incorrectly delivered to him.”end

In the OP's case if the mail is correctly address, then the mail IS NOT in transmission, and in opening any mail then the OP could argue that he did the same in order to prevent a criminal act, fraud etc. etc. It would alsobe very difficult for any authority to prove that the OP opened any mail to ACT to a person's DETRIMENT.

As a landlord of 20 years standing, i have been opening mail for many years, returning the same to sender, and being thanked by banks, DVLA etc. etc. for preventing fraud etc.

[killsta]

Winco said:

Another thing to do is check your credit files to ensure there is nothing listed because of a previous resident that could affect you.

Properties do not have credit files, only people do. Nothing a previous resident has done can affect the current resident's credit.

[All that jazz]

killsta said:

Winco said:

Another thing to do is check your credit files to ensure there is nothing listed because of a previous resident that could affect you.

Properties do not have credit files, only people do. Nothing a previous resident has done can affect the current resident's credit.

Rubbish.

[calibrax]

All that jazz said:

killsta said:

Winco said:

Another thing to do is check your credit files to ensure there is nothing listed because of a previous resident that could affect you.

Properties do not have credit files, only people do. Nothing a previous resident has done can affect the current resident's credit.

Rubbish.

It shouldn't affect your credit, but it definitely does. Try getting a mortgage or a loan or a credit card when your current property has a CCJ showing under any name at your address. It's a massive amount of hassle to prove that you are not the one culpable.

[Nickyboy]

Having had numerous lodgers over the years i always get post for them long after they've moved on. Some is just junk but some is important. I contact the ex-lodgers for 6 months after they leave and after that it gets binned/returned. Still get HMRC stuff for one that moved out over 5 years ago. I've tried contacting HMRC but as i'm not the named person they won't deal with me. Shame as the last one was a tax rebate for £367, binned.

[Lgfst]

dudleybloke said:

Do any of the mobile phone letters have his number on so you can call him?

I never opened them, after several it has been months without a phone one (touch wood).

I just wonder because he doesn't own a property, he just uses this address.

It makes me wonder if there's others that are emailed to him that never go on paper...

[Lgfst]

calibrax said:

It shouldn't affect your credit, but it definitely does. Try getting a mortgage or a loan or a credit card when your current property has a CCJ showing under any name at your address. It's a massive amount of hassle to prove that you are not the one culpable.

Well this is concerning...

[Du1point8]

Is there a redirect for mail site as I will need to do it soon, would like to not find out my mail has been coming to my current address in a few months, I only need to do it for a year or so then back to the original address.

[All that jazz]

From CIFAS site :

The Horse's Mouth said:

CIFAS is a national fraud prevention service, of which Equifax is a member. If fraud has been confirmed then we can place a warning at an address or addresses to protect innocent people whose names, addresses, or other details, are used fraudulently by others in order to get credit. The CIFAS warning appears on the credit file of any person who has a link with the address and is visible to any CIFAS member who subsequently conducts a search at that address, highlighting that the lender should take extra precautions before opening a new account to ensure the applicant/application is genuine.

[egor110]

Du1point8 said:

Is there a redirect for mail site as I will need to do it soon, would like to not find out my mail has been coming to my current address in a few months, I only need to do it for a year or so then back to the original address.

Do it online at royalmail.com

£59.99 for a year as long as everyone has the same surname.

[IainT]

calibrax said:

All that jazz said:

killsta said:

Winco said:

Another thing to do is check your credit files to ensure there is nothing listed because of a previous resident that could affect you.

Properties do not have credit files, only people do. Nothing a previous resident has done can affect the current resident's credit.

Rubbish.

It shouldn't affect your credit, but it definitely does. Try getting a mortgage or a loan or a credit card when your current property has a CCJ showing under any name at your address. It's a massive amount of hassle to prove that you are not the one culpable.

My parents had an issue with their credit score a few years ago - their rating had been screwed by a nearby resident - same house number, different street and similar but distinctly different surname. It was the combination of address (house number and post code only one letter different) and similar surname that did it so address certainly plays a part,

[jesta1865]

All that jazz said:

killsta said:

Winco said:

Another thing to do is check your credit files to ensure there is nothing listed because of a previous resident that could affect you.

Properties do not have credit files, only people do. Nothing a previous resident has done can affect the current resident's credit.

Rubbish.

not only is it rubbish as you say, you should check your credit record for all addresses they have recorded, when we were going for a mortgage a few years ago an address for a discharged bankrupt person with the same surname as me but living in hampshire came up. took ages to get it off my record and the mortgage sorted.

i've also had issues with people using my address, the first place i ever bought from a mr and mrs smith (honestly ) used to have letters turning up saying that they needed to contact this bank or lender etc as they were trying to use the address nearly 2 years after we bought it.

had a huge argument with lloyds credit card people as they kept sending threatening letters asking them to pay a bill, that also took multiple phone calls and snail mail letters (late 80's) to get resolved.

[jshell]

killsta said:

Properties do not have credit files, only people do. Nothing a previous resident has done can affect the current resident's credit.

You just made that up, eh?

[essayer]

egor110 said:

Do it online at royalmail.com

£59.99 for a year as long as everyone has the same surname.

A money grabbing £390/yr for Ltd companies though

[egor110]

essayer said:

A money grabbing £390/yr for Ltd companies though

Royal mail aren't a charity .

If you don't like it use another service.

[Lgfst]

Still getting letters.

Since the last update I've received a BT phone bill (surely they realise it's not installed at my house!), another letter from a tax refund company and a pension letter from legal & general.

Emailed all the companies to inform them, BT and the tax place don't want to know as I'm not the customer.

Still awaiting a response from legal & general.

Now. I've made some enquiries and I've found out where this guy lives. Do I knock on and tell him to sort it? Post the letters? Or some other PH antics like frozen sausages in his lawn?

[Rtype]

Almost certainly Sausages, however, if you get caught then bring it up.

I seriously am surprised that not one of the people you spoke to wouldn't entertain a conversation with you.

Normally if I get mail from someone who doesn't live at my home, I return it once, twice max and if it happens again I ring them and advise unless they stop this I will be selling the details on.

Hasn't failed yet.

[essayer]

egor110 said:

Royal mail aren't a charity .

If you don't like it use another service.

Maybe one day I'll be able to..

Made a concerted effort to receive everything electronically now; aside from HMRC/CH we rarely receive letters to the business and those two are easily switched online.
Charging 8x the price for the same service is just a piss take.

[EskimoArapaho]

egor110 said:

Royal mail aren't a charity .

If you don't like it use another service.

How exactly does he do that? This is post that other people are sending TO his business. Many of those people won't even be known to him. He can't decide all of that post should magically be redirected by A N Other service.

[egor110]

Lgfst said:

Still getting letters.

Since the last update I've received a BT phone bill (surely they realise it's not installed at my house!), another letter from a tax refund company and a pension letter from legal & general.

Emailed all the companies to inform them, BT and the tax place don't want to know as I'm not the customer.

Still awaiting a response from legal & general.

Now. I've made some enquiries and I've found out where this guy lives. Do I knock on and tell him to sort it? Post the letters? Or some other PH antics like frozen sausages in his lawn?

Just write gone away or moved and put them back in a post box, the postie will then whack a official sticker on and return them to the sender.

Your making this far more of a drama than it is.