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Ex used my address for credit

(50 Posts)
blurredlines Tue 18-Oct-16 13:02:13

Is there anything I can do to stop this ? A letter came from ee advising of a new contract in his name. I called them straight away and they said they couldn't discuss this with me but will look into it . I claim tax credits and worried how this will affect things . He said he took out a contract for our dd. I am absolutely furious with him and do not trust him to change it.

Is there anything else I can do ? He has never lived here so surprised he's been given one.

JennyOnAPlate Tue 18-Oct-16 13:04:44

Speak to the police. Surely what he has done is fraud?

Toffeelatteplease Tue 18-Oct-16 13:06:13

Check he isn't still on the electoral register. My guess he is

vickibee Tue 18-Oct-16 13:09:52

my ex did this too, he applied for a barclaycard at my address even though he had only lived there temporary for two months. I contacted bcard and they said they couldn't discuss it with me either. The cheeky bugger had put a redirect on mail so it was ages before I actually found out.!

blurredlines Tue 18-Oct-16 13:10:47

He's not . He's never lived here. I have no idea how he's been able to get one . I've lodged a complaint with ee. I'm so angry especially with all these tax credit horror stories.

blurredlines Tue 18-Oct-16 13:12:11

Surely you would need to prove your address when you apply for credit ?

Scarydinosaurs Tue 18-Oct-16 13:16:16

blurred yes, you should- I wonder if he had done it online?

Can you report it as fraud to the police?

Toffeelatteplease Tue 18-Oct-16 13:17:49

yep usually the electoral register. which is why I would double check he hasn't put himself on it

blurredlines Tue 18-Oct-16 13:21:30

Wouldn't of I got a letter if he was in the electoral roll ? I got one back in May which only had myself on.
The letter from ee contained a direct debit form so I have idea if he has even taken out a credit contract because they will not tell me.

MuggaTea Tue 18-Oct-16 13:25:05

Just update your details on

if you get a letter back saying no change needed" or similar, you will know its ok.

cozietoesie Tue 18-Oct-16 13:54:39

Maybe have a look at a CIFAS Protective Registration? They're not free, I seem to recall they're about £30 for a couple of years, but it means that you're at risk of fraud and applications for credit going through the big bureaux - i.e. almost all - have to go through some special measures to check they're genuine. It might slow down a genuine credit request on your part but it shouldn't stop one etc.

(Caveat: I've not used this myself.)

Have you checked your credit file online?

blurredlines Tue 18-Oct-16 14:04:04

I've checked my credit file and I have no links with him now. Obviously I can't check his .
They can't just let anyone take a contract out at any address can they ?

blurredlines Tue 18-Oct-16 14:04:36


I will look at this thank you

PersianCatLady Tue 18-Oct-16 14:09:01

I think I would probably contact Tax Credits now to let them know what is going on as if it becomes a problem later on I don't think "I didn't know" will go down too well with them.

cozietoesie Tue 18-Oct-16 14:14:53

I suspect that the difficulty is that a Protective Registration will cover people trying to obtain credit in your name - and you may still consider that worth it for you - but not necessarily someone saying they live at your address. If you're in control of your post, I'd be contacting the companies directly - as you've done - and alerting them.

cozietoesie Tue 18-Oct-16 14:17:08

PS - try to email them if possible. People can sometimes deny the content of phone calls but email correspondence is more difficult to disprove.

blurredlines Tue 18-Oct-16 14:19:20

I though about ringing tax credits but don't want to open a can of worms given the mess with concentrix at the moment . I can always send the copy of the email complaint to ee to them I suppose ?

PersianCatLady Tue 18-Oct-16 14:37:41

I though about ringing tax credits but don't want to open a can of worms given the mess with concentrix at the moment
I suppose there is that.

Honestly it is so hard to decided what to do for the best in these situations.

What I want to know is what company would give someone credit when they (your Ex-P) has no credit history at that address??

Also how on Earth did your Ex-P manage to set up a mail re-direction when they are so strict about the ID that you need?

Have you checked your online credit report?

blurredlines Tue 18-Oct-16 14:45:00

He's not set up mail re direction. It was another poster who said that.
It's irresponsible lending for ee to do this.
When I spoke to him he's adamant they didn't do a check check and he gave no details of his bank etc but as ee will not confirm anything with me I'm at a lost of what to do.

cozietoesie Tue 18-Oct-16 14:52:42

They may not be telling you anything but their fraud/credit checking department should be on the case behind the scenes and will likely have 'frozen' any account or activity he has with them.

blurredlines Tue 18-Oct-16 14:53:40

I hope so . Still leaves a foot print though ! Hopefully they can remove my address.

cozietoesie Tue 18-Oct-16 14:55:04

It shouldn't be a footprint that would harm you, though.

blurredlines Tue 18-Oct-16 15:02:54

Things like this have me worried. There was a lady who had her tax credits stopped because her ex was doing searches against her house for car insurance!

Bestthingever Tue 18-Oct-16 15:04:36

When we moved into our present house, I received a letter concerning an Argos credit card recently taken out by the ex of the previous owner. I knew he hadn't lived in the house for over a year and was aware he was a bit dodgy, so I knew it wasn't an accident. I called Argos and told them the story and, rather than refuse discuss it, she said they'd mark him as a 'gone away' (her words) and close the account. We had debt collectors and solicitors looking for him over the next couple of years. It wasn't til I joined MN that I learned about the powers of bailiffs. Thank god or I would have been bricking it!

PersianCatLady Tue 18-Oct-16 15:06:44

He's not set up mail re direction. It was another poster who said that
Sorry about that.

With regards to EE giving him a phone without a credit check, I have never heard of that before but maybe he is telling the truth.

By the way, did he tell you why he used your address?

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