We live in a semi-detached house, divided into two seperate flats, privately owned. The downstairs owner defaults on many payments credit cards, council tax, etc. (we see the red letters). We have asked her to put flat 'A' on her post but she refuses, which in turn implies that she owns the whole property, which she does not. How do we make sure she can't get us on any bad credit lists in the U.K.
2007-03-07 01:47:11 · 12 answers · asked by Deborah Mc 2 in Politics & Government ➔ Law & Ethics
People, people, please I'm not stupid we put 'B' on all our post and the property address get the black list. DUH ! to the rude person.
2007-03-07 01:53:47 · update #1
Have I got some news for some of you nieve.
2007-03-07 01:55:16 · update #2
Firstly, you need to find out if you are 'associated' with her by getting in touch with a credit rating agency. An association shows a financial connection between two people.
If you are assoicated with her, you can write the credit rating agency a letter informing them that you have no financial connection to this woman and ask them to remove all offending information. My parents did this when my brother was affecting their credit rating.
As far as I am aware, there is nothing you can do to prevent her affecting your credit rating, only deal with it when it happens. You might consider approaching The Citizens Advice Bureau for more help.
2007-03-07 01:55:48 · answer #1 · answered by Anonymous · 4⤊ 0⤋
You see the red letters so perhaps writing to the companies writing these letters may be a good idea? You could also ask the Citizens Advice Bureau for some advice on this. From what others have said it seems that credit rating is now on an individual basis as opposed to the address however you are wise to look after your own interests.
2007-03-07 01:57:51 · answer #2 · answered by ehc11 5 · 2⤊ 0⤋
You have a right under consumer protection laws in the UK to request from any credit company details of the credit reference agency they use. You can then apply, in writing, to that agency with the appropriate fee (it used to be £1) for a copy of any file they hold on you. You are then entitled to write a correction or explanation of anything disclosed, and the agency must disclose that in future along with any report. Remember though that any prospective creditor can refuse you credit for no reason at all!
2007-03-07 03:46:00 · answer #3 · answered by Duffer 6 · 1⤊ 0⤋
sounds like its a property parcel information search you need to do. find out what the county has it listed as. do each of the units have their own parcel #? if so then there's not any way they can screw up your credit...esp if they arent hooked to you with social security number. if something happens to get on yours...which makes no sense how it could, then just dispute it and get it off. that's the same thing as anyone else's neighbors credit being on your credit. doesnt make sense. credit isnt reported based on address.
2007-03-07 18:09:04 · answer #4 · answered by tryinthis2 4 · 0⤊ 0⤋
Capital One is a tremendously undesirable agency to handle. you may attempt calling them. tell them which you have become gives you from different playing cards at a decrease pastime value and could could desire to terminate your account in the event that they can't decrease the cost. in the event that they gained't, initiate looking around for a clean card. in case your credit background is nice, it is going to likely be extremely undemanding. a large many playing cards have fairly low expenditures of pastime for the 1st 3 hundred and sixty 5 days. Get a sort of and then swap around as quickly as a 300 and sixty 5 days.
2016-10-17 11:44:48 · answer #5 · answered by Anonymous · 0⤊ 0⤋
The previous answers are right, but you have the right to see your credit records under the Data Protection Act.
2007-03-07 01:54:44 · answer #6 · answered by tagette 5 · 2⤊ 1⤋
How would that affect your credit rating? Is that how things are done in the UK? Just because your neighbor has bad credit-it will affect your rating? That makes no sense at all.
2007-03-07 02:09:47 · answer #7 · answered by Anonymous · 1⤊ 2⤋
I agree with jojo, credit scores etc are now on an individual basis, there is no such thing as a house blacklist
2007-03-07 01:52:36 · answer #8 · answered by OriginalBubble 6 · 1⤊ 1⤋
put your mind at rest and give your flat a name.
Rose cottage eg.
2007-03-07 01:55:06 · answer #9 · answered by jupiteress 7 · 0⤊ 1⤋
put an a on your post...duh unless they have the same last name as you......hope they defalt on the house so you can buy it cheap...call the bank holding their paper and see if you can take over if the lose it.
2007-03-07 01:50:46 · answer #10 · answered by Anonymous · 3⤊ 2⤋