Fraudulent Loans Using My Address

A question about : Fraudulent Loans Using My Address

A criminal has obtained ten of thousands of pounds in a whole raft of fraudulent loans using my home address. This person has never lived at my address and I have never heard of them. I get constant letters from debt collection agencies, bailiffs and on one occasion had bailiffs call at my home. This is causing stress and anxiety. Is there an effective and easy way to stop all this other than responding to each and every letter, as I have now being doing for several years ?

Many thanks

Best answers:

• That's difficult. Have you reported this to the police?
  If you keep getting contacted by the same agencies then you could threaten to sue them for harassment after explaining that the person does not live at your address, but otherwise I'm not sure what you can do other than replying to each letter. Might be worth having a template letter explaining clearly that this person does not live at your address.
• Hi likeleica, thank you for your query regarding fraudulent loans
  Whenever you receive mail to your address but addressed to someone else you need to just send it back stating addressee no longer at address or addressee unknown as it is a very serious matter to open other people's post and often a debt collector will stop pursuing a debtor at an address if they have their letters returned. If this is the same company then you should complain to them and ask them to take your address off their system as you have never heard of the addressee and if they continue you could make a complaint to the Financial Ombudsman Service. All you have to tell a bailiff if they come to the address is that you are not the person they are looking for and they should go and not return. You can find more information about making a complaint at www.adviceguide.org.uk
  Hope this is of assistance