Originally Posted by adamfoster31:
“My credit record is clean, however my address isn't, I still get letters and debt collection visits that are for previous tenants at this address, including a unsettled vodafone debt, which it appears is the problem as the debt can't be struck off from the address until vodafone have tracked down the person who owes the money. Standard credit control practice, and I should know as I am one!!!!”
But that's not you! You do need to get your file checked as it seems there is an association to you - not to the address. Anyone at that address is automatically assumed to be associated to you unless you specify they are not. If they are not resident at that address then they shouldn't appear as an association on your file.
Are you on the electoral roll at that address? - and are they? (still). If you aren't then you should be sure you are and that it is up to date with the current residents!!
"the debt can't be struck off from the address until vodafone have tracked down the person who owes the money."
That's their problem, not yours! Vodafone shouldn't be "blacklisting" you as the debt is not yours -
regardless of the address associated with that debt. I would definitely speak to them - it has got to be worth it with the amount you are paying on PAYG!
There is no such thing as a "blacklisted" address, just incorrect information on credit files and wrongly associated debts. Under the Consumer Credit Act. debts are personal - not geographic and those holding information on credit files have a duty to make sure it is correct.
Get a copy of your file - however "clean" it is and check for errors and incorrect associations. It could also be TOO clean - no history gives them nothing to make a risk assessment on.
Business CC differs from consumer CC massively, because of the Consumer Credit Act - which are you involved in?