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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

using my address for fraud?

18 replies

Redduffleandshoes · 15/01/2020 14:23

I divorced 10 years ago. Lots of abuse of all kinds from him including financial which bordered on fraud. He has continued to harass and stalk me - me and my daughter last went to police about him at new year. Today a letter from Halifax bank came to my address (my house not his, last time he lived here was 10 years ago). It was addressed to him. It wasn't one of those things they send advertising their services it was saying his credit card was going to be renewed at the end of Feb and it had the last 3 digits of the card number on it. Could he have some sort of online account thats registered at my address? Should I be concerned?

OP posts:

CakeandCustard28 · 15/01/2020 14:24

Yes. I would send it back to the sender stating they don’t live here. Sounds very much like he’s registered to your address.

malmi · 15/01/2020 14:27

Before someone comes along and tells you it's illegal to open his post, it's definitely not. Unless you are intending to defraud him, you have every right to open these letters to establish what is going on.
I'd call Halifax and tell them you suspect a fraudulent card application at your address.
And send the letter back marked 'no longer at this address' or 'not known'.

Coughsyrupsucks · 15/01/2020 14:36

Sounds like he has registered to your address. Apart from doing what the other’s have suggested above, I’d also check your credit file and make sure he’s not taken out anything in yours or your daughters names.

Freddiefox · 15/01/2020 14:38

I’d call them, sending the letters back as not at this address isn’t that effective

Retroflex · 15/01/2020 14:47

He absolutely has a credit card registered at your address, although if he's not lived there for 10 years I'd be questioning how he picked up his current card (assuming it was posted to your house) and how he thought he'd physically obtain the new one!

Definitely contact the bank involved, and ask to be put through to the fraud department straight away!

Original poster

Redduffleandshoes · 15/01/2020 14:48

thanks all, I rang them and said theres nothing they can do, they did say though to send the letter back as not at this address.. had thought about checking credit reports, has anyone done this and how?

OP posts:

AfterSomeAdvice1234 · 15/01/2020 14:59

You can check your credit report by signing up to Experian or Equifax (I use Equifax). It's a few quid per month but there's a 30 day free trial so you can sign up, check it out and then unsubscribe if you don't want to pay monthly. Look at your score and your report. If you can afford the subscription, it might be useful to keep an eye on things!

busyweeks78 · 15/01/2020 15:02

I would said the letter back saying he’s known at that address.

busyweeks78 · 15/01/2020 15:03

Send not known he shouldn’t be using your address.

Original poster

Redduffleandshoes · 15/01/2020 15:16

thank you again all for support, what sort of things may be on the credit report? I should have really good credit - my house is all paid off and I have no debt, always pay own credit card off monthly and never late with any payments including car payments, then what could I do with the information if it looked fishy?

OP posts:

Coughsyrupsucks · 15/01/2020 15:21

You should be able to see if any credit has been taken out in your name without you knowing. So loans, credit cards, credit agreements etc.

DH had someone (we think his sister, but can’t prove it) take out credit agreements in his name. First we knew of it was when two arrived at our house. So now have alerts set to email if anyone does it again.

Coughsyrupsucks · 15/01/2020 15:23

Sorry forgot to say, hopefully there isn’t but if there is. Contact Action Fraud and they will give you a crime number, which you then give to the Fraud team at whatever company is involved.

Rachelfromfriends1 · 15/01/2020 15:23

Their advice is correct

Once they receive the letter stated “not as this address”, they may place a “gone away” marker on his credit report. They’ll definitely ask him to confirm his address.

Original poster

Redduffleandshoes · 15/01/2020 15:34

thank you all of you

OP posts:

MrsPerfect12 · 15/01/2020 15:41

Use clear score and it's free. Good luck

Rachelfromfriends1 · 15/01/2020 20:45

Definitely check your credit reports, however if he’s JUST fraudulently using your address, nothing might show in your report as addresses aren’t necessarily linked.

If he’s opened anything in your name, these account will appear on your report

You can look into registering with CIFAS, it will mean that any lines of credit opened in your name will undergo further security checks to prevent fraud

Rachelfromfriends1 · 15/01/2020 20:45

nothing might show in your report as addressees* aren’t necessarily linked.

TiddyTid · 15/01/2020 20:51

For in-depth credit report go to Experian. Sign up and put in your card details for £14.99 a month. Download your full report then cancel your membership immediately via their website. You won't be charged. A full Experian report will tell you everything.

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