Financially and emotionally abusive ex h applying for credit at my address.

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Advice please. Ex h moved out two years ago after a marriage of 28 years. He was increasingly financially and emotionally abusive as the years went by. It has left scars and I am still scared by him.
At the weekend a credit card and I'm assuming pin number and credit agreement came to my address. I gave them to exh when he came to collect ds and he obviously lied saying it was an oversight and he hadn't changed the address.
I have had no post of his here for over a year so I know that is a new application. I took note of the PO box and address and have emailed them today informing them of wrong address and giving them exh's details.
I'm worried what will happen when he discovers I have informed the credit card company but I'm more worried because I claim tax credits and I worry that it appears he is living here if he is taking out credit here.
I know I should say something to him but I can't, even thinking about it sets off the shakes. How can I stop him doing this? It was a feature throughout our marriage where he would apply for credit in my name and so fraudulently and I imagine this application at my address is only the first of many to come.
I realise I should have written not at this address but I have been well conditioned and handed the post over to avoid a confrontation. Any ideas please?

"Not known at this address. Return to sender" back in the post box

And don't hand anything more over. He can sort out his "oversight" and get it delivered to his own address

Are you sure the card is not in your name? Can you do a credit check for yourself to make sure he's not up to his old tricks?

What the others said. Also can you check if he is on the electoral roll at your address?
It can also be worth signing up for an agency that sends you alerts every time credit is applied for in your name - we used creditexpert.co.uk to do this for my grandmother after she got scammed and they had all her details. At £14.99 a month it's not the cheapest, but a lot better than having bad credit!

Good luck and hope this is the last one.

I will be on the alert now so will do that to any more post that comes here. I wasn't thinking straight at the weekend I can't have been.

I will check my credit file as well I never thought it might be in my name although it was his name on the envelope. This used to cause me endless anxiety whilst we were married so the relief knowing that I was "straight" was huge. This weekend has triggered all that anxiety again.

You might find signing up to this site helpful OP - and it’s free
www.totallymoney.com/free-credit-report/?m=GOO07&k=credit%20check&gclid=Cj0KCQjwitPnBRCQARIsAA5n84lGcor34NJ7hOR_aNOd_ergW_OGDs12SZlY96By5axX1wp5nakaCoYaAooeEALw_wcB

I’m pretty sure that credit agencies such as Experian let you do a free trial - you could try this without having to pay, as long as you cancel in time.

Can you check to see whether he is still on the electoral register at your address and get him removed if he is?

I had no end of grief when some unknown person used my address and bailiffs and Police turned up.

It’s easier to nip stuff in the bud rather than deal with people trying to reclaim money from you down the line.

He's not on electoral roll or at least he wasn't on last check. My credit file is ok up to today anyway. The cc company will email me back within 24 hours. I think I have done what I can although anticipating an onslaught when he realises that latest cc know he used the wrong address. Feel like I am never going to be free of him and his shit though

If he asks if you gave the credit card company his address, just deny and play dumb.

ClearScore gives you access to your credit file for free.

Return to sender any post that comes for him from now on.

So email response today
We appreciate the concern providing the new address of the customer, however we cannot change any information without the customers permission. What you can do for now is return all the correspondence we are sending to notify the relevant department that someone is sending back the correspondence.
WTAF he applies fraudulently using my address and they aren't interested. I didn't give him permission to use my address but they won't stop it without his permission.

You need to email them back advising them that you will be reporting this as fraud. That their lack of action against him means you now need to involve the police.
And then do just that.
Call 101 and get some advice from them.
Do NOT let him get away with this.
You don't have to put up with this any more.
I know you've been conditioned over many years but now it's time to protect yourself.
Be strong. You CAN do this!

Well the cc company need to establish that he has made a fraudulent application. So they are asking that you return and future mail so they can do this. Otherwise you could be anyone trying to make trouble for him. They may week be making other checks on him.

Just a thought!
Before you return any further mail of his to the sender, photograph it on your phone, proving that you have returned it , and can’t be held accountable for it

Like pps said, it's not that they don't care, it's just that they need to be careful - for all they know, you could be a scammer redirecting to your address so you can order a new card and start spending on it

As they say, next time it comes cross out the address and write return to sender, no longer at this address. It's understandable that you didn't do this earlier, but accepting his mail really will have negative consequences - send ANYTHING back, not just credit card things, as otherwise he might be using other mail as proof of address.

Op. To be assured regularly check your credit reports. They will tell you if he has applied for credit in your name.

But It sounds like he is using the address to avoid showing multiple addresses. It’s probably the cc company who will be defrauded in this case. Return all further mail.

That’s a good tip to send all mail Return to sender Stuck.