All mail is opened at my address and placed in my in-tray (my e-mail address should give you a hint why). Dross is shredded and used for compost, bills etc go to be paid. Technically it may be an offence to open the mail, however if this debt is levied against my property does it not become my problem as I own the house. I shall be in London shortly on business and I just wondered it they wanted a visit. I find physical presence is always quite rewarding.

I have now received two letters from the Lowell financial group demanding repayment of a Lloyds TSB card. I am not the person mentioned in the letter. The person has never lived here as it is a new build and I am the original owner/occupier. I have never been a customer of Lloyds TSB. To say they have made a mistake is an understatement, however I would love to really cause them some pain in the process of removing my address from their records (I am fairly vindictive so I would push it). Some advice would be very welcome. SFC