bankrupt at my address??

[redcrx]

We have just accidently opened some post that arrived at our home.
Didnt realise until we read it that its addressed to the previous occupiers (some 14 years ago)
The letter is from Halifax stating that they have just dicovered that these people have just been made bankrupt and have to cancel the account that they have.

Halifax dont really want to know, the people are still using our address for an account (but we've never had any mail for them so we had no idea) and we want to make sure that our address isnt blacklisted as we are applying for a mortgage soon.

Any ideas how we can resolve this???

[Reverandfunk]

Red surely if they were using your address you would have received more than one item of post?

Its probably an account with 10p in it that has been left untouched for 14 years

[beryllium]

Hi red,
Don't worry. The mortgage is for you and will be based on your credit history. The address isn't blacklisted, just the previous owners.
We bought this house without knowing the extent of the 2 previous occupiers owing thousands and thousands to banks and credit cards and catalogues.

The occasional letters still come through, we have stopped the post office delivering to this address in those previous names and they just RTS them.

Go to the post office and stop post coming to your address in their name.

Best o'luck on your new adventures with housey buying :)

[redcrx]

honestly in the 3 years that I have been here not one bit of post has arrived addressed to them until this letter today.

Im a bit concerned in case these people have used our address just for the bankruptcy stuff and want nothing to effect our future plans.

[beryllium]

If another letter does come? write a very clear letter back to them stating they have the wrong address.

Ring these guys and explain your situation, they'll guide you in the right direction.

http://www.moneymadeclear.fsa.gov.uk/about/con tact_us.html

Don't worry. It's not your problem ok? it's just the last address the Halifax probably has.

Thank you for yesterday hon btw :) xxx

[redcrx]

ah youre welcome, mind you we jhavnt got your address and brother is still wrapped up and covered in stamps ready for posting.

Thanks for the advice. We are now talking to the OR who dealt with it as the official details in the gazette are that she is 'lately residing at' our address. I presume that means as its written and that she is most recently at this address?

[redcrx]

OMG talk about confusing.

The OR says that 'lately residing at' means the address previous to main address.

They said that all creditors will most likely write to each address so we could get more but that we are not to be concerned by them at all as its fairly common.

oh thats all right then lol