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Jakena

Insurance letters not in my name, but my address?

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Hi, I don't know whats going on or whether someone is trying to con us.

 

Today we had a letter through the post for our address but not our name. As we've had several letters like this with peoples names for bills but our address over the last couple of weeks it seems odd.

 

On opening this letter it states its someones car insurance, however the persons contact number on the insurance isn't a number from our area but is in our county. But it is insured to our address.

 

I would phone the company to find out what is happening except the only number given is a 0906 number at £1 a minute.

 

The reason i'm worried about this is I have my own car insurance for my own address and not supposed to have two cars insured at the same address.

 

An example of another similar letter like this we've received is someones bill for loft insulation with our address but a different name again.

 

Is it just cooincidence and the address's are wrong or is something odd? I don't really know who to contact about it.

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Perhaps try writing to the company instead of phoning them?

Could the letters you're receiving perhaps be for a previous occupant of your home?

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You don't have new neighbours, do you? A few years back a couple moved in next to us and by mistake gave our house number to loads of organisations. Strange but true and a damn nuisance for us at the time.

 

I think you should get to the bottom of this though, in this day and age of identity theft.

 

As regards the premium number, have a look on 'Say no to 0870' and see if the company are there. Or you can look on their website and see if there's a number for people ringing from abroad, which should be a normal landline.

 

HB


Illegitimi non carborundum

 

 

 

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Jakena

 

This could be down to a number of reasons. Suggest that you send back all incorrect post to the companies involved with a covering letter. Don't just send back with the envelope marked 'addressee not known', as you won't resolve the problem. In the covering letter, ask the company concerned to investigate and reply to you.


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Thanks,

 

Yeah we do have new neighbours, but the insurance isn't for their vehicles and its just one person living on his own and we've had several letters with difference names.

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Weird, I hope you get it sorted. Please update us when you have an answer, it would be interesting to know and might help someone else.

 

My best, HB


Illegitimi non carborundum

 

 

 

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On opening this letter

 

You commit a criminal offence is the rest of the sentence. Do not open letters that are not addressed to you. Put RTS on them and either pop them in a post box, or hand them to any postman/post office.

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Not quite true - you only commit a criminal offence if you open someone elses post intending to act to a persons detriment or without reasonable excuse.

 

In this scenario, there is no intention to act to the persons detriment, and the OP has reasonable excuse when financial mail comes to his address.

 

Postal Services Act 2000.


7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Quite right MrShed. I am suprised that most people think it is illegal to open mail addressed to someone else. It can only be illegal if you misuse the mail in some way.

 

The OP should return the mail with a covering letter asking for the company to look into and reply. The companies concerned should be able to phone or email the addressee of the letters they are seeking to contact to resolve the problem.

 

I have read of other people in this situation and they have later found out that the addressee had made bogus applications for various products to gain cash back deals. How they do this, I am not sure, as I would have thought that to gain the cash back, they would have had to make a payment. Can anyone explain how they do this ?


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