'Debt letters' to home address
Discussion
Hi, just a quick one.
I keep receiving debt letters to someone at my home address. This person has never lived at this address (house has only ever had 2 owners in 8 years).
I've accidently opened a couple of these letters. They are for a gym membership.
I have done the following things:
Returned every letter to sender
Rang the gym - who said they'd send the details to head office; ie they weren't going to action anything.
Sent an email to the agency chasing the debt, notifying they do not have the correct data for the person they are chasing, gdpr/need to hold accurate data ect ect.
Now I fully expect the company to continue pursuing this person at my address.
If it drags on and a ccj is issued, it will likely be addressed to my property. Could this cause me issues with reference to my credit file? Any suggestions on any further actions?
Cheers all.
I keep receiving debt letters to someone at my home address. This person has never lived at this address (house has only ever had 2 owners in 8 years).
I've accidently opened a couple of these letters. They are for a gym membership.
I have done the following things:
Returned every letter to sender
Rang the gym - who said they'd send the details to head office; ie they weren't going to action anything.
Sent an email to the agency chasing the debt, notifying they do not have the correct data for the person they are chasing, gdpr/need to hold accurate data ect ect.
Now I fully expect the company to continue pursuing this person at my address.
If it drags on and a ccj is issued, it will likely be addressed to my property. Could this cause me issues with reference to my credit file? Any suggestions on any further actions?
Cheers all.
You've done all you can do really. Our neighbour used to use our address for her bad debts. We had bailiffs letters and numerous debt agencies chasing her. Returning letters to sender did nothing, so as you have done, we accidentally opened them and called the agencies direct. They were all pretty helpful actually and confirming they had the wrong address was surprisingly easy.
Also, the CCJ would be against the person, not the address. Nothing has ever shown up on our credit checks, despite our neighbour using our address.
Also, the CCJ would be against the person, not the address. Nothing has ever shown up on our credit checks, despite our neighbour using our address.
Edited by Red9zero on Friday 7th October 15:33
Rob,
CCJ's have nothing to do with the household, as mentioned above. The chances of it going that far are next to zero
Interesting you mention gym memberships. The Competition and Markets Authority have made it a lot easier to cancel:
“The Competition and Markets Authority advises that a gym contract is unfair if it doesn’t let a member cancel because they’ve had a change in circumstances which means they can’t afford the membership OR you have an illness.
Further, the CRA 2015 would strike down any unfair contract term, so enforcing 12 month contracts is now, tough.
Given we have a COL crisis it sounds like a waste of postage to me
Keep sending any letters back 'Not Known at this address'
CCJ's have nothing to do with the household, as mentioned above. The chances of it going that far are next to zero
Interesting you mention gym memberships. The Competition and Markets Authority have made it a lot easier to cancel:
“The Competition and Markets Authority advises that a gym contract is unfair if it doesn’t let a member cancel because they’ve had a change in circumstances which means they can’t afford the membership OR you have an illness.
Further, the CRA 2015 would strike down any unfair contract term, so enforcing 12 month contracts is now, tough.
Given we have a COL crisis it sounds like a waste of postage to me
Keep sending any letters back 'Not Known at this address'
My first flat was a repossession and so I had a lot of mail addressed to presumably the previous occupier, with no way of forwarding anything on I opened anything interesting looking as a bit of entertainment really and then destroyed them.
Said previous occupier was a living PH stereotype it seems, with a (leased) BMW 5 series, membership of an expensive golf club, a selection of mail order baldness treatments and was sponsoring a dog. He had also opted to have a dishwasher instead of a washing machine, so presumably just always used the dry cleaners downstairs.
Sadly also owed about £125,000 across I think it was 15 credit cards. I didn't even know the AA offered a credit card. I can't imagine living with that amount of stress, it must have been dreadful.
Said previous occupier was a living PH stereotype it seems, with a (leased) BMW 5 series, membership of an expensive golf club, a selection of mail order baldness treatments and was sponsoring a dog. He had also opted to have a dishwasher instead of a washing machine, so presumably just always used the dry cleaners downstairs.
Sadly also owed about £125,000 across I think it was 15 credit cards. I didn't even know the AA offered a credit card. I can't imagine living with that amount of stress, it must have been dreadful.
SturdyHSV said:
My first flat was a repossession and so I had a lot of mail addressed to presumably the previous occupier, with no way of forwarding anything on I opened anything interesting looking as a bit of entertainment really and then destroyed them.
Said previous occupier was a living PH stereotype it seems, with a (leased) BMW 5 series, membership of an expensive golf club, a selection of mail order baldness treatments and was sponsoring a dog. He had also opted to have a dishwasher instead of a washing machine, so presumably just always used the dry cleaners downstairs.
Sadly also owed about £125,000 across I think it was 15 credit cards. I didn't even know the AA offered a credit card. I can't imagine living with that amount of stress, it must have been dreadful.
Only stressful if you ever intend to pay it backSaid previous occupier was a living PH stereotype it seems, with a (leased) BMW 5 series, membership of an expensive golf club, a selection of mail order baldness treatments and was sponsoring a dog. He had also opted to have a dishwasher instead of a washing machine, so presumably just always used the dry cleaners downstairs.
Sadly also owed about £125,000 across I think it was 15 credit cards. I didn't even know the AA offered a credit card. I can't imagine living with that amount of stress, it must have been dreadful.
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