Previous owners still insuring this house 3 years later

[NemophilistRebel]

Have lived in our house 3 years

Receive regular post from previous owners or tenants (unsure of which) even now

Have always returned to sender

Estate agent told us they were after a quick sale as they were emigrating so no forwarding address

Turns out after opening the last post that they are still insuring this house, still insuring a pet
Still have an outstanding £11k loan of which no payments have been made in 3 years yet no penalties have been added and no demands have been sent yet

These letters would have previously been returned to sender so why are they just carrying on

Is there any issue with having two lots of house insurance running at the same time?

I get why you have opened the mail, but you really shouldn't have as that is an offence in itself. I would return it all to sender with a note that says opened in error and state how long since they left.

I don't think there is an issue with two policies running for house insurance, but I'm not certain - knowing it's different for cars.

Not really sure what else you can do if you have no forwarding address.

Have you looked for them on SM? Write back to these companies saying you accidentally opened the mail and explain the circumstances.

It’s not an offence to open post.

It isn’t an offence to open mail that’s been delivered to your house, unless you plan on using it to the named recipients detriment.

I would write back to the companies involved and tell them that they’ve left the country, you have no forwarding address and you’re unable to forward/return and further letters etc.

It isn’t an offence to open post unless you do so with “malicious intent”, which isn’t the case here.

I’ve called the companies. No idea if they’ll do anything about any of it as it’s obviously money coming in on rolling direct debits

The names are very unusual and nothing comes up on social media

I have called companies that write to the old owners (12 years on and still get post)

Return to sender did absolutely nothing for much of the post that came to my old house.
The day I recieved a new credit card, 2 years after moving in, I phoned them up. That was the only thing that stopped the post.
I've also had sucess with contacting the company via the websiteanda asking for details to be removed - but that was for advertising and junk mail, not actual letters, iyswim?

@Icanflyhigh

It is not an offence to open post

I get why you have opened the mail, but you really shouldn't have as that is an offence in itself

No it isn't! Fuxache how many times does this come up on here

It's the debt id be bothered about. Hopefully they'll update their records.

I've had to contact companies directly to stop mail for previous owners/tenants; I don't think they really look at any 'return to sender' mail as it didn't make any difference after a couple of years...

It shouldn't affect you in any way that they still have an insurance policy on the house.

It really isn't an offence to open post. It's been said dozens of times.

My father passed 12 years ago and I still get mail addressed to him. Donations requests, offers of credit cards and a bank bill asking for annual payment on a safe deposit box (which was closed 12 years ago).
I personally have provided bank with three death certificates and they "paid in full" statement I received at closing and they still send an annual bill. Don't worry about it.

Have you told the companies you've phoned to remove your address from their database and stop sending you irrelevant mail?

The only time I've successfully stopped mail is by ringing up as well, OP. I'd tried writing on the (regular, monthly) envelopes 'no longer at this address, please remove from mailing list' without success. A bank was one of the worst offenders.