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My ex landlord has been putting debts into my name for my old address how can i stop this? |
I moved out of my old flat because the landlord broke in and made threats towards me and my partner. Its been to court and he lost the case he also lost his job, Now to get back at me hes been putting bills into my name and racking up a debt for like £1,765.89 thats just one debt there is about 10. Now im getting letters to my new place saying im going to have my things taken from me, is there anywhere that could help me with this problem?
Re: My ex landlord has been putting debts into my name for ...
This is fraud so you need to report it to the police. Any creditors you are aware of need to be informed of the situation and it would be advisable to obtain a credit report to gain details of any other debts that have been put in your name. If you have suffered financial loss as a result of this situation you would be able to sue your old landlord. You should seek legal advice regarding this.
This question has been answered by Christians Against Poverty, a leading debt charity offering hope and a solution to anyone in debt.
Re: My ex landlord has been putting debts into my name for ...
The simple answer here is that your ex landlord is committing identity fraud. You are receiving demands for debts and these may have been as a result of goods, services or credit facilities that have been acquired in your name.
If you feel that there is still any danger of physical repercussion from your ex landlord then your first action should be to call the police.
If this is no longer a concern then there are several steps that you will need to take in order to stop the pursuit of these companies that believe you owe them money.
Change all your passwords and pin numbers
Request a copy of your credit file from the credit reference agencies Equifax, Experian and Call Credit to check for any debts that are listed in your name and any recent applications made, contact all of the organisations immediately and make sure they remove the data from your credit file.
If any of the debts are to credit or debit cards, online banking or cheques then report this directly to the company. They will then be responsible for verifying and investigating the matter further, and reporting any criminal activity to the police.
Any other companies that don't involve debit or credit cards, online banking or cheques, report to the organisation concerned and, depending on their advice, to the local police station.
You will also want to stop it affecting your ability to acquire future credit or services. Contact CIFAS (The UK's Fraud Prevention Service) and file a Protective Registration notice on your credit file. This will flag to potential lenders that you have been a victim of identity fraud and greater security measures will be taken to ensure that any further application for credit is genuine. www.cifas.org.uk Tel: 0330 100 0180
You won't normally be held liable for debts accrued in your name as a result of fraud, unfortunately it is up to you to deal with the consequences they've left you with.
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