25 Lindridge drive

NoNameNoNumber

NoNameNoNumber

NoNameNoNumber

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Joined
25 Nov 2009
Posts
5,392
Does anybody live at this address???

There's a chappy who does who shares the same first and last name as me apparently who keeps running up lots of debts. Then I get shirty letters from being wrongly traced to my current address 80 miles away where I've been since I was 5!

I've started using my middle name for everything now but it's been going on for a number of years now where this same address gets wrongly traced to me...

It royally @£%#ed up my mortgage application last year because of all of the bad marks on my credit file.

Has anybody had any experiences of this? Or any advice on how to stop it?

C'mon GD :D
 
I'm not saying I'm the stig but, have you ever seen the two of us in the same room together?


Is it something I can/should report to the police? It's hard to tell if they're actively being fraudulent or not.
 
Return the letters to sender. If your name is John Smith, the debt collectors are probably sending a letter to every John Smith in the country to try and fish him out.
 
The 20 thousand John Smiths in the UK must be pretty miffed at that one other John Smith guy who racked up all that debt and ruined their 'credit file' even by not living at any of their addresses.

In other news, none of the OP is true.
 
darael said:
Return the letters to sender. If your name is John Smith, the debt collectors are probably sending a letter to every John Smith in the country to try and fish him out.
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I've just rang one of them up-Lowell financial-who said it sounds like a miss trace. Either way, I don't want their credit searches appearing on my file!
 
i watched a doc on experian, and people being scammed from it. experian offering no help even though they stated they did, and the person whos being scammed having to pay the costs to prove they arnt the person who holds that debt, often not winning.

id seek legal advice most deffinately, especially as it is costing you your credit rating.
 
NoNameNoNumber said:
I've just rang one of them up-Lowell financial-who said it sounds like a miss trace. Either way, I don't want their credit searches appearing on my file!
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The searches shouldn't be appearing on your file, unless of course somebody has been applying for credit under your name.

I'd recommend getting a copy of your credit files (Experian/Equifax and CallCredit), if nothing shows up on the files (applications you haven't made, debts you don't hold etc) then the Debt Recovery Agency you called are probab;y right and it's likely a mistrace, won't affect your file, just means the agency are looking for the guy and their trace team have identified you as possibly being the same person. I used to work for one of these companies and if the guy is a serial debtor and you have been identified by one trace department you are likely to keep getting these letters. If your credit files are clean then just return the letters as not known at this address, if you call the agency DO NOT GIVE THEM ANY OF YOUR CONTACT DETAILS, most will take your word that you're not the debtor but if they decide you are you'll never get rid of them.

If there are unusual serches/applications/balances on you file then it's probably ID theft/credit card fraud and you're going to need to try and sort things out with the creditors and the credit reference agencies in order to get your slate cleaned. Pain in the arse of a process I'm afraid.
 
Jonnybmac said:
i watched a doc on experian, and people being scammed from it. experian offering no help even though they stated they did, and the person whos being scammed having to pay the costs to prove they arnt the person who holds that debt, often not winning.

id seek legal advice most deffinately, especially as it is costing you your credit rating.
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I've spoken to the police on 101 and they suggested submitting a file on Action Fraud.

[FnG]magnolia;25980340 said:
I don't think that this is what is happening.
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Are you going to be helpful enough to contribute anything?
 
FortuitousFluke said:
The searches shouldn't be appearing on your file, unless of course somebody has been applying for credit under your name.

I'd recommend getting a copy of your credit files (Experian/Equifax and CallCredit), if nothing shows up on the files (applications you haven't made, debts you don't hold etc) then the Debt Recovery Agency you called are probab;y right and it's likely a mistrace, won't affect your file, just means the agency are looking for the guy and their trace team have identified you as possibly being the same person. I used to work for one of these companies and if the guy is a serial debtor and you have been identified by one trace department you are likely to keep getting these letters. If your credit files are clean then just return the letters as not known at this address, if you call the agency DO NOT GIVE THEM ANY OF YOUR CONTACT DETAILS, most will take your word that you're not the debtor but if they decide you are you'll never get rid of them.

If there are unusual serches/applications/balances on you file then it's probably ID theft/credit card fraud and you're going to need to try and sort things out with the creditors and the credit reference agencies in order to get your slate cleaned. Pain in the arse of a process I'm afraid.
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It tends to go like this

Operator: Can you confirm the first line of your address and postcode please
Me: Yep its ... as written on the letterhead

Operator: and can we just check your contact details are correct please...
Me: Go on then

Operator: mobile ending in ***
Me: Nope

Operator: OK landline ending in ***
Me: Nope

Operator: OK it looks like it may be a mis-trace I'll pass this over to the relevant department.

Had several along these lines now. The good news is all of my mortgage application and utilities on my new house (I'm yet to move into) are registered with my middle name too and when I'm at the new address hopefully it'll stop.
 
I would send a letter back to each of these companies reminding them of their obligations under the Data Protection Act - namely that the information they have on file is accurate and correct. Point out that it isn't and that the next time they write or phone, they will be reported to the Data Protection Registrar. Demand a written reply from them outlining what steps they have taken to

a) update their data which is in error
b) What steps they have taken to prevent any further correspondence/contact from their company being made with you.

Keep correspondence and if it continues then report them.
 
Andy90 said:
I would send a letter back to each of these companies reminding them of their obligations under the Data Protection Act - namely that the information they have on file is accurate and correct. Point out that it isn't and that the next time the write, they will be reported to the Data Protection Registrar. Demand a reply from them outlining what steps they have taken to

a) update their data which is in error
b) What steps they have taken to prevent any further correspondence/contact from their company being made with you.
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I Like this, thank you! Also am I at liberty to request the original credit agreement which I must have signed to accrue such debt or do I have no business in asking for such documentation on someone else's debt?
 
I don't think you would be able to request documents from the company that pertain to other individuals. That said, if you tell them that any application form that they hold that has your address on it is incorrect and likely to be Fraudulent, then they may well take some action against the individual when they catch up with him

Unless that individual has put your address on application forms for credit then it isn't likely to be a Fraud, more likely as someone has mentioned above, that they're on a fishing trip and are basically mailing/calling anyone by that name in the locality. Sounds like the person has done a flit.

People often forget about the Data Protection Act, since it governs all Databases - if the Data Protection Registrar gets involved it causes all sorts of fallout and potentially massive fines. Most companies will address errors very very quickly.

Here's a useful link as well - its for the Information Commissioners Office, which has tons of information.

http://ico.org.uk/

This is a Wikipedia link and explains quite nicely what they do

http://en.wikipedia.org/wiki/Information_Commissioner's_Office

This last one is a link to a Wikipedia article on the Data Protection Act 1988. You can see that there are a number of Principles under that act.

http://en.wikipedia.org/wiki/Data_Protection_Act_1998
 
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No problem, hopefully it will sort out some issues you are having. I did it to one company that kept sending me loads of letters about Insurance on a Fridge that I had apparently purchased a few years back (I hadn't). Sent off a letter to them and never heard from them since.
 
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