Fraud

[Anonymous]

My ex partner is applying for mobile phones on contract at my address. How can I stop him doing this? He has no intention of paying the contract and does this regularly. He has done it twice in the last week, Once with EE and now with O2. He gets a handset on contract and then takes the phone into Cash Converters to sell for money for alcohol. Clearly Cash Converters staff have very few morals as they see the receipt stating he has just got the phone and they still buy it off him. These debts are all mounting up at my house. What should I do?

[adamtemp64]

http://www.experian.co.uk/consumer/questions/askjames318.html sugests it is just the named person

[MI5]

Credit rating is unique to the individual.

[Bambino]

If that's the case, then apart from it being an annoyance, the OP doesn't have anything to be worried about.

[jonsie]

It used to be that when credit checks were made, they also looked at any bad debts associated with the address and others living there. This came up many times when we credit checked for credit card applications. I don't believe it's the case now and there should be no impact on the OP's credit rating. However she will have to put up with a lot of threatening letters and bailiff visits so the police need to be involved.

[Cleoriff]

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@adamtemp64 wrote:

http://www.experian.co.uk/consumer/questions/askjames318.html sugests it is just the named person

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Yes it has changed now then.....addresses used to be affected

This sentence in the Experian questions states "That's because these days credit checks take place on people and not simply on addresses". 

When I raised my concerns 20 years ago I had to prove the person named on my rating had never lived at my address

[jonsie]

Yes I had the same problem way back when whereby the address was blacklisted due to a previous occupier.

[MI5]

It's all the aggro proving it that will be the issue.

[Bambino]

I hope @Anonymous is reading these comments and that it will allay any concerns she may have.