Ive recently found out that a friend of mine got loans out at my adress and is not paying them is there any thing i can do as this is making my adress black listed, is ther any thing i can do to clear my address, as i didnt allow this person to get these loans at my address

Write to these agencies and give them the contact details of your "friend"!

I am not silly and have done this but my address is still blacklisited due to the loans initally being taken out at my address

I was under the impression that companies are no longer allowed to blacklist a particular property and only an individual could be assessed for credit worthiness?

Some companies check out the addrees too my credit history is clear yet due to my friends loans i am not able to get any form of credit at my address, the loans that were taken out had went too far balifs and county court jugements were sent this is how i found out. I was wondering if there was any thing i could do about this

Hi --- Contrary to what they have lead you to believe, an address does not get blacklisted by the credit agencies...only the individuals that have or still do reside at the address in question.

http://www.moneyextra.com/news/036543.news.html

If you still believe information held by the agencies is incorrect, you can apply for a copy of your reports and supply a "notice of correction" to have any false information disregarded, if you can show the information held about you was wrong.

Callcredit plc

Consumer Services Team
PO Box 491
Leeds
LS3 1WZ

Tel: 0870 060 1414

www.callcredit.plc.uk

Experian

Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX

Tel: 0870 241 6212

www.experian.co.uk

Equifax plc

Credit Advice Centre
PO Box 1140
Bradford
BD1 5US

Tel: 08705 143700

www.equifax.co.uk

It is NOT permitted for an address to be 'blacklisted' and if this is what you suspect AND can prove, then you need to contact the CAB or a solicitor.

The only thing you can do is to check YOUR credit record against the address and make sure that you have not been listed as a co-debtor or 'linked' person. If there is anything wrong, you can apply to have your record cleared, My anger is that YOU have to pay if this is the case for something that is not your problem.

SHARK!

---

For every positive action, there's an equal and opposite government plan.

Thank you for your help. I really appreciate it xxx

I wish I had friends like that...

Well you can know a person all your life but never truly know them. I've learnt from it and not let it happen again. thanx 4 sarky comment matey

Charley, I wasn't implying you were silly. I once moved into a property where the previous tenants had done a runner. For months I received letters from debt agencies for people I didn't know. I wrote to these agencies and told them I didn't know these people, and gave them the details of my local council, landlord and estate agent for them as leads to further pursue. I learnt from calling Wescot that as a matter of routine, these letters get sent three times, which explained why even after I'd called them to say these people had gone, I didn't know them etc, they kept sending me such letters. Finally I wrote them a letter and said I would not entertain any further correspondence of that nature. I never heard from them after that. You don't get your credit rating blighted because of your address.

I am now aware of that. I wasn't before, As I had intimidating and slightly agressive balifs knocking my flat door, telling me that I may be responsible for the debts, this is why I thought that. I am far from silly just rather too trusting when it comes to my friends. Thank you for all the advice every one it was much appreciated xxxxxxxxxxxxxxxxxxx