Someone seems to have registered their car at my address. Should I worry?

[coffeerevelsrule]

I am the only adult in my home and lived here for 12 years. I therefore don't check envelopes before opening. In the last 2 days I have received 2 notices of intended prosecution for speeding and one letter from an insurance company cancelling the policy (motoring) due to outstanding payments.

On all the letters the full address is correct and mine and the name on them all is the same and obviously not mine. The car detailed is also not mine.

Any ideas as to what is going on and what I should do?

I would call the dvla.

And possibly speak to the police and insurance company.

Sounds like someone has registered their car at your address.

This is what the government says to do:
https://www.gov.uk/driving-fines-letters-you-dont-own-the-vehicle

^
Return the fine letter to the organisation that sent it to you and tell them you do not own the vehicle. Keep a copy of anything you send.^
…
If you’ve never been the registered keeper, write to DVLA to ask for proof that you’re not the registered keeper. Give them as much information about the vehicle as possible.
DVLA will update their records and send a letter of confirmation to you within 4 weeks.

I would also write to the insurance company telling them the same.

Call the DVLA, and the contact numbers in the correspondence pronto..
I hate to worry you, but you could have bailiffs turn up eventually, also your address (and therefore you) is likely to be given a bad credit rating or blacklisted, which is what happened to me once.

So you do know the car registration number? Is it a car you have seen around? Have you checked whether it's MOT'd?

I would probably report it on the 101 no. Don't NIPs come from the police. Though it could be the previous house owner or renter so not deliberate or fraudulent

Insurance is cheaper depending on the address. But it doesn't sound like they bothered paying that either.

It won't effect your credit etc so don't worry.

I just see you lived there 12 years so probably not a previous house owner

Seal them up and write RETURN TO SENDER, NOT KNOWN AT THIS ADDRESS on the front of the envelope, put them in the post box. Dealt with. Check your mail and stop opening post that is addressed to unknown people. The police will tell you to return it and when they receive it back will do some checks that will confirm that they aren’t known at your address.

Don't send anything off without taking a copy or photo of it

Call & write to the DVLA & inform them to remove the vehicle. An ex bf of my mum's didn't remove his car from my mum's address & baliffs turned up for an unpaid parking ticket once so after that I wrote to remove the vehicle....

Definitely not the previous owner and, while I'm not interested at all in cars, it's a flash car by the sounds of it and I'm fairly sure not one I've seen nearby.

Thanks for the idea of seeing if it's mot'd. I've checked and it is but it's not taxed...Twat has been driving at 53 in a 30 mph zone too.

FFS, I'm not too worried about bailiffs but my mortgage expires in about 18 months so I don't want my credit rating fucked.

Is the house rented? DS kept getting insurance reminders and driving licence renewals reminders for the previous tenant at the house he bought. It took about five letters to the insurance company and a threat that they weren’t taking their duty of care seriously to get them stopped. The idiot there before was driving with no current licence and an insurance policy at an address he didn’t live at for two years. The insurance company had his mobile number, because DS called it, it was on the policy renewal, and he answered! He still didn’t do anything to change it.

Useless.

call out, call out, call out!

Your credit rating can't be fucked due to someone else's debt unless you are financially linked eg you have a joint bank account or mortgage. There is no such thing as a blacklisted address, just a blacklisted person.

Do give the insurance company a call. I had something similar, a letter of notification about insurance on a car I knew nothing about, and addressed to a name I didn’t recognise. I gave the insurance company a call to explain and followed up with an email, which seemed to sort matters.

When I bought my current car the salesman registered it online and clicked on the wrong house on the drop down menu, eg 56 Hope Street rather than 52. I didn’t realise and my neighbours didn’t know me as ‘official name’ eg Elizabeth Surname rather than Betty so just returned the V5 to the DVLA. Then I got a fine for driving in a bus lane! Embarrassing but they’d twigged my new car by then.

Maybe it’s just an error like that?

Addresses do not get credit ratings or blacklisted: this was a myth was circulated in the 90s.

This happened to me recently, at an empty property that I own. The mailbox was on the outside of the property and there was sufficient gap for someone to extract the mail. It just so happens the mailbox had jammed and the post worker put the letters in the doorbox instead. A drivers licence was registered there. I reported to the police, and wrote to the DVLA (who replied confirming they made a note and understood this person was not there). I removed outside mailbox and traced the driver on a credit check application. I wrote him a letter telling him that I had received his driver licence and it was returned to the DVLA. It could have been an innocent error, or someone looking for an empty address to start a matter of fraud. I have also applied to the Land Registry for fraud prevention measures on all empty properties I am managing. This prevents fraudulent sales which is a risk when there is no mortgage on an address.