keitha
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2024, hopefully the year I get out of P2P
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Post by keitha on Jun 30, 2021 9:28:20 GMT
over the last few weeks I've had letters arriving with increasing frequency addressed to someone else at my address.
It happens that I know the surnames of the previous 2 residents, and that their occupancy together with mine goes back at least 30 years.
Another letter arrived yesterday, and unlike the others that I've put back in the post marked "Not known at this address" I decided to open it and try to contact the sender directly.
So I've rung the number, basically I can't ask them to remove my address because I'm not the account holder they quoted me data protection, so I pointed out that the data protection act requires them to correct data they know is wrong. So the guy says "we will send miss Williams a letter asking her to confirm this is not her address", so I asked where it would be sent to and they quoted my address. I was totally unable to get it through to them that that is pointless as she doesn't and never has lived here.
Eventually got put through to a Supervisor, who repeated the same spiel, but with the addition that they are considering issuing county court papers ( This is what the letter was about ), and that my address could be blacklisted for credit. Now I assume the courts would not issue a CCJ against my address if I tell them she doesn't live here.
anyway the end of the conversation is that I can make this all go away if I pay the bill, but he then said if the bill is paid the card will be reactivated and can be used again.
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archie
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Post by archie on Jun 30, 2021 9:45:42 GMT
Can an address be blacklistedNo – not even if the people who lived there before you had multiple debts and were on shaky financial ground. It doesn’t matter who lived at your address in the past – their financial mistakes won’t be linked to you just because you live in the same house or flat. Your credit score is based on your financial history, not your address.
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Post by Deleted on Jun 30, 2021 10:19:55 GMT
Ah those were the days, when HMRC used to ring me up to go and knock on my next door neighbour's door to ask them to pay their tax bill because he would not answer their letters
what is a credit score?
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macq
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Post by macq on Jun 30, 2021 10:25:33 GMT
Ah those were the days, when HMRC used to ring me up to go and knock on my next door neighbour's door to ask them to pay their tax bill because he would not answer their letters
what is a credit score?
England 2 Germany 0
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Post by bracknellboy on Jun 30, 2021 10:56:03 GMT
over the last few weeks I've had letters arriving with increasing frequency addressed to someone else at my address. It happens that I know the surnames of the previous 2 residents, and that their occupancy together with mine goes back at least 30 years. Another letter arrived yesterday, and unlike the others that I've put back in the post marked "Not known at this address" I decided to open it and try to contact the sender directly. So I've rung the number, basically I can't ask them to remove my address because I'm not the account holder they quoted me data protection, so I pointed out that the data protection act requires them to correct data they know is wrong. So the guy says "we will send miss Williams a letter asking her to confirm this is not her address", so I asked where it would be sent to and they quoted my address. I was totally unable to get it through to them that that is pointless as she doesn't and never has lived here. Eventually got put through to a Supervisor, who repeated the same spiel, but with the addition that they are considering issuing county court papers ( This is what the letter was about ), and that my address could be blacklisted for credit. Now I assume the courts would not issue a CCJ against my address if I tell them she doesn't live here.anyway the end of the conversation is that I can make this all go away if I pay the bill, but he then said if the bill is paid the card will be reactivated and can be used again. I would be inclined to send a physical letter to them, or if there is an email address on the correspondence from them, to write to that. I would reiterate that person has either never been at that address for xx years, or has never been there, and therefore you are highlighting to them that your reason for contacting them by phone was because it was also a matter of potential fraud. I would relay the conversation you have had with them, (and the fact you have been returning their letters for xx) and how 'Catch-22' that conversation was. State that given you are attempting to highlight a matter of fraud, you consider their action/comments to be highly inappropriate, and mention of 'credit blacklisting the address' to be threatening behaviour. Demand that they respond within xx days confirming that they have corrected their records, and will not be issuing a CCJ against/to an address you have already informed them multiple times is not one where the addressee is resident, or would have been at the time the addressee gave that information to them. As others have said, I doubt whether they can impact your credit rating, but if it was me I'd still want to get 'ahead of the game' and get it in writing. For what its worth, today I opened up a letter that we've been receiving ever since we got here 12 years ago and which we alternate between returning and throwing away. Turns out somebody has £1.86 in a Halifax Liquid gold account they haven't touched in 15 years. The account will close in September. TFFT.
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keitha
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2024, hopefully the year I get out of P2P
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Post by keitha on Jun 30, 2021 10:58:33 GMT
Can an address be blacklistedNo – not even if the people who lived there before you had multiple debts and were on shaky financial ground. It doesn’t matter who lived at your address in the past – their financial mistakes won’t be linked to you just because you live in the same house or flat. Your credit score is based on your financial history, not your address. interesting because I know that's wrong I lived in a HMO for a few months and they linked me with other past and current tenants of that property and that adversely affected my credit score
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Post by Deleted on Jun 30, 2021 11:08:17 GMT
I've dealt with idiotic situations like that in the past by informing them that i am recording the call, notify them that their behaviour is causing me severe distress and alarm and hence constitutes harassment. And since they have now been notified that their behaviour is harassment, any further contact from them will result in prosecution for said harassment. Worked a charm
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Greenwood2
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Post by Greenwood2 on Jun 30, 2021 11:40:53 GMT
over the last few weeks I've had letters arriving with increasing frequency addressed to someone else at my address. It happens that I know the surnames of the previous 2 residents, and that their occupancy together with mine goes back at least 30 years. Another letter arrived yesterday, and unlike the others that I've put back in the post marked "Not known at this address" I decided to open it and try to contact the sender directly. So I've rung the number, basically I can't ask them to remove my address because I'm not the account holder they quoted me data protection, so I pointed out that the data protection act requires them to correct data they know is wrong. So the guy says "we will send miss Williams a letter asking her to confirm this is not her address", so I asked where it would be sent to and they quoted my address. I was totally unable to get it through to them that that is pointless as she doesn't and never has lived here. Eventually got put through to a Supervisor, who repeated the same spiel, but with the addition that they are considering issuing county court papers ( This is what the letter was about ), and that my address could be blacklisted for credit. Now I assume the courts would not issue a CCJ against my address if I tell them she doesn't live here. anyway the end of the conversation is that I can make this all go away if I pay the bill, but he then said if the bill is paid the card will be reactivated and can be used again. Are you actually talking to the company concerned or has it been handed to a debt recoveries firm, if so you could try bypassing them and go back to the original company who might be more sensible, the debt recovery firms don't care about anything but getting their money back and don't mind threatening anybody they think might pay. If it is debt recovery they won't give up easily. Try contacting action fraud and say your address is being used for a fraud, they may be able to help, and may be able to get information you can't directly and/or talk to Citizens advice.
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michaelc
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Post by michaelc on Jun 30, 2021 12:24:52 GMT
Data protction stupidity:
Not to mention pop-ups on almost every website giving fine control over which cookies they use.
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mrk
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Post by mrk on Jun 30, 2021 13:07:14 GMT
Another letter arrived yesterday, and unlike the others that I've put back in the post marked "Not known at this address" I decided to open it and try to contact the sender directly. I though it was illegal to open a letter addressed to somebody else, based on the Postal Services Act 2000 ?
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cb25
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Post by cb25 on Jun 30, 2021 13:16:16 GMT
Another letter arrived yesterday, and unlike the others that I've put back in the post marked "Not known at this address" I decided to open it and try to contact the sender directly. I though it was illegal to open a letter addressed to somebody else, based on the Postal Services Act 2000 ? Section 84 "(3)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.". See www.legislation.gov.uk/ukpga/2000/26/section/84
In the sort of case listed here (where I've done the same thing), one could argue: -you're trying to help them get their post and are therefore not acting to their detriment,
-you have a reasonable excuse.
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Post by Deleted on Jun 30, 2021 13:38:20 GMT
"incorrectly"
Well that was well drafted legislation, what does that mean?
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Post by bernythedolt on Jun 30, 2021 15:32:36 GMT
over the last few weeks I've had letters arriving with increasing frequency addressed to someone else at my address. It happens that I know the surnames of the previous 2 residents, and that their occupancy together with mine goes back at least 30 years. Another letter arrived yesterday, and unlike the others that I've put back in the post marked "Not known at this address" I decided to open it and try to contact the sender directly. So I've rung the number, basically I can't ask them to remove my address because I'm not the account holder they quoted me data protection, so I pointed out that the data protection act requires them to correct data they know is wrong. So the guy says "we will send miss Williams a letter asking her to confirm this is not her address", so I asked where it would be sent to and they quoted my address. I was totally unable to get it through to them that that is pointless as she doesn't and never has lived here. Eventually got put through to a Supervisor, who repeated the same spiel, but with the addition that they are considering issuing county court papers ( This is what the letter was about ), and that my address could be blacklisted for credit. Now I assume the courts would not issue a CCJ against my address if I tell them she doesn't live here. anyway the end of the conversation is that I can make this all go away if I pay the bill, but he then said if the bill is paid the card will be reactivated and can be used again. keitha , exactly this happened to my daughter & son-in-law. The previous occupier had run up debts, then sold them the house. They got a series of increasingly threatening letters, but could get nowhere, as you've found. I would warn you that they were then rudely awakened by bailiffs banging at their door at 6am one morning. Son-in-law answered the door in a state of shock and said they had the wrong people and (now) the wrong address. The two heavies wouldn't accept that and said they could see the female debtor inside the property. My daughter then had to show her identity (passport) to prove she wasn't the debtor. That finally put an end to their hassle. It was a nasty and unwelcome intrusion, so in your case forewarned is forearmed. These are two upright, PhD-qualified citizens, yet even they, with all their intelligence and research skills, found it next to impossible to get the company to listen. It's quite disgusting.
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Post by Deleted on Jun 30, 2021 15:48:48 GMT
] keitha , exactly this happened to my daughter & son-in-law. The previous occupier had run up debts, then sold them the house. They got a series of increasingly threatening letters, but could get nowhere, as you've found. I would warn you that they were then rudely awakened by bailiffs banging at their door at 6am one morning. Son-in-law answered the door in a state of shock and said they had the wrong people and (now) the wrong address. The two heavies wouldn't accept that and said they could see the female debtor inside the property. My daughter then had to show her identity (passport) to prove she wasn't the debtor. That finally put an end to their hassle. It was a nasty and unwelcome intrusion, so in your case forewarned is forearmed. These are two upright, PhD-qualified citizens, yet even they, with all their intelligence and research skills, found it next to impossible to get the company to listen. It's quite disgusting. You need to think on their level. They see you as a walking cash machine, and want to collect using the law as a weapon. Well, two can play at that game. They are a company, they have assets that you can take. So record every single interaction with them, familiarize yourself with consumer laws, laws on harassment etc. Then make it clear to them that if they put a foot wrong, you'll be collecting from them. I've had this issue a couple of times when moving properties - once was an address mix-up in a multiple occupancy house, once was a new phone number being assigned whose old owner owed debts. Both times, I was bombarded by 'collection' companies who used a relentless combination of legal jargon and raw aggression... and only shut up when the law was thrown equally aggressively back in their faces
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rscal
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Post by rscal on Jun 30, 2021 16:44:43 GMT
Anyone could follow a previous payee from bank to bank these days: for a while now banks have updated a payee's details to your payments list 'as a service' connected to their switching their bank account! What sort of security is that?
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