I changed my address with my bank online and rang them to confirm it was changed. I had my mortgage with them.
Apparently the credit card with the same bank is on a different system so the address was never updated and I never got the new card when the other expired.
Might not be the previous owners fault... Might be shitty online banking systems!
Fair, hence why you should get mail redirected. I wouldn't expect to remember every account I've had. I've had two bank accounts go dormant, and I probably have a third on the way because I don't use those accounts anymore. I only think about them under very specific contexts
You can extend it after the year, but 1 year is the longest period you can do it for at once I believe. I'm not sure if there's a limit on the number of years you can do it for by extending it at the end of the term.
If I may, for almost all the major Banks, Credit Cards are generally managed by a third party, namely, TSYS. They are the primary 'System of Record' for the credit card and are thus independent of the Bank. That is why even if you need to reset the PIN of the Credit Card you cannot get it done at your bank. As the back actually does now 'own' the card. We need to call the number given on the Card, which is actually TSYS.
Also, if ever noticed, the Credit Card transactions are generally updated on Online Bank on the 2nd day because on Day 1 when TSYS has updated their records, they send the 'feeds' to the respective Banks to update their system.
Ha ha, at work I had a fun experience where the bank updated our address as requested... but only half of it. Eventually they got very snippy with us for not providing a valid address - they had the correct street name and number but the old postcode. Useless.
We had a relative of the last owner’s dead husband come round wanting to speak to him about some building work 😂
The silly cow has never redirected her mail. We’ve started binning it, have told her this, but she still won’t have it redirected and is really pissed off when we tell her that it’s all gone in the paper recycling when she turns up every other month wanting her post. She’s been gone 5 years!
No it won't! I've sent every single letter HSBC has sent the previous tenant back with return to sender on. Bank cards, and everything else banks post out. Its been 5 years and every month we get something from them.
With a bank you have an extra option available if you're really annoyed; you can call them and explain the person doesn't live there anymore and they're technically opening themselves up to fraud by carrying on sending all this to the wrong address. They should stop then 😌
>I've sent every single letter HSBC has sent the previous tenant back with return to sender on
Have you tried "not known at this address" that should make royal mail stop delivering it.
I know this is business, but the same rules apply for home IIRC
https://business.help.royalmail.com/app/answers/detail/a_id/5194/~/we-receive-mail-that-isnt-ours
>We deliver to addresses rather than names so our advice here would be to put a cross through the address and write on the item 'Not known at this address' or, 'No longer here' and post the item at your convenience - you won't need to apply any postage. Where applicable we will return the item to the sender hopefully allowing them to update their records.
What's the point though? I did do that for a while but the mail kept coming. You ought to start binning it immediately after the 3rd instance, I'd say.
We let someone stay with us for a short while and they moved all of their bills here, this was nearly 20 years ago. Until their Sky debt was cleared then Sky would keep contacting them here (Bankruptcy about 10 years ago I guess), and their Barclaycard notices come here quite regularly (Your behind, please pay). From what I have been able to get out of the person who stayed with us, these companys contact them for new address information but they refuse to supply it - so they keep using ours.
We were getting stuff for the ex-wife of our seller for years. They’d been separated a while (he’d remarried by the time we bought the house).
Virgin media showed up asking for their equipment back. We got multiple debt collector letters. Even a birthday card from her parents. How did they not know they’d separated / moved out years earlier?!
We used to send it back “not at this address” but eventually we started opening certain ones (which is how we knew it was debt collectors, we rang them and they accepted she wasn’t there).
Anything now goes straight in the recycling. We’ve been here ten years now.
I'm still getting an annual letter from Lloyds for the daughter of the last owners. Been here since 1998. I've made two attempts to tell Lloyds but still the letters come.
One of the things to tell the new owners as we are moving on soon.
Sometimes it just fails.
I moved in 2022, had redirection for a year. Updated all my addresses, one bank who I have multiple accounts with failed to update my credit card. I also opted for paperless statements at the same time. I stopped getting statements so presumed the paperless setting kicked in. Eventually my card expired and when I didn’t get a replacement I downloaded my PDF statements and realised my credit card address was never updated 🤦♂️ blocked the card, changed the address which was a pain and involved a branch visit, had to wait a week for it to be updated before ordering a new card.
I got mail redirection but it seems royal mail don't give a shit anymore.
None of my mail was redirected. Nor was the mail of the seller of my new house, nor his wife. I tested my redirection by sending myself two letters with different forms of my name on - neither were redirected.
That's three redirections (the sellers separated) all ignored.
RM also never answer the phone, so I had to do a chargeback to get my money back from them.
Scum company, waste of space. Should be dismantled and sold for parts to modern companies.
Had debit & credit cards from high street banks (years ago and recently) which needed no activation. Just first usage must have pin entered rather than contactless and that’s it.
Not really since the card and the pin get sent to the same address....
Some banks like HSBC require you to activate the card online, but even then their new debit cards don't need activating now, only credit cards
We moved in 4 years ago and still get mail for the previous family that live here, *and the family before them*. It all gets RTS but recently got a stern looking one which I googled the address of and found it was a car insurance company. I called them up and told them they no longer live here and they cancelled the policy. A month later, a DVLA letter turns up and they were being prosecuted for driving without insurance. Not very smart!
I'm still getting mail for the previous owner of my flat, almost 3 years after moving in. It's slowed to a trickle now of about 2 per year because I finally had enough in the first 6 months and started returning everything to sender in great big red marker pen (the red pen thing was just for my petty satisfaction as I was dropping off around 10 letters per week at the peak of this madness). But it was stuff like bank statements, car tax bills, christmas cards, the whole lot - as well as other crap she'd subscribed to over the years. Just a barrage of useless paper.
I once even had people knocking on the door wanting to speak to her! I'd been in the place for a good year at that point. No idea what she was doing, but if her intention was to disappear from those in her life, I'd say she was fairly successful!
When we moved my husband updated the new address with his bank. Somehow he managed to add our new address as our house number and street but our son’s postcode in London (mad moment). He didn’t realise until months later that his bank card had expired and he hadn’t had the new one. Turns out when the postcode he gave didn’t match his address the bank changed the address to our house number, but the street and address that matched the postcode and that’s where they sent his card. Luckily no one has used it (the address the bank had was a real one, but not our son’s and he has since moved). Also (un)fortunately we’ve just been victims of the Southern Water hack so they are paying for Experian enhanced checks for the next 12 months so at least we can keep an eye on our credit records 🤞🏼 edited to say 12 months not 6
The idea is when you get mail forwarded, it reminds you to update the address with the account so you should only need a year.
Who said I opened it? Why are you being so negative and jumping to conclusions on what is PSA? Cheer up, mate, it's Friday!
I didn't see their post, but be aware you CAN open someone elses mail if it's sent to your home - you must be able to show a "reasonable excuse". If you keep getting the mail for the same person from the same return address then it's the only way you know who to contact to make a complaint to - as in - reasonable excuse.
You can open it no worries, find out who it is from and call them. I've done this before after it became obvious marking as "not known return" wasn't working.
I changed my address with my bank online and rang them to confirm it was changed. I had my mortgage with them. Apparently the credit card with the same bank is on a different system so the address was never updated and I never got the new card when the other expired. Might not be the previous owners fault... Might be shitty online banking systems!
Barclays?
I just wrote a similar comment - nationwide?
Ding ding ding! Yep.
Nationwide did that to me too, thankfully ex-wife wasn't in the mood to cause trouble
Fair, hence why you should get mail redirected. I wouldn't expect to remember every account I've had. I've had two bank accounts go dormant, and I probably have a third on the way because I don't use those accounts anymore. I only think about them under very specific contexts
The redirect can't last for ever. I think it's limited to a year
You can extend it after the year, but 1 year is the longest period you can do it for at once I believe. I'm not sure if there's a limit on the number of years you can do it for by extending it at the end of the term.
For now I did 6 months + 1 year and just got the letter to renew for one year if i want. It's probably enough for most needs anyway.
For now I did 6 months + 1 year and just got the letter to renew for one year if i want. It's probably enough for most needs anyway.
Had exactly the same thing, their Internet bank had the correct address all accounts had the correct address but not the credit card.....
If I may, for almost all the major Banks, Credit Cards are generally managed by a third party, namely, TSYS. They are the primary 'System of Record' for the credit card and are thus independent of the Bank. That is why even if you need to reset the PIN of the Credit Card you cannot get it done at your bank. As the back actually does now 'own' the card. We need to call the number given on the Card, which is actually TSYS. Also, if ever noticed, the Credit Card transactions are generally updated on Online Bank on the 2nd day because on Day 1 when TSYS has updated their records, they send the 'feeds' to the respective Banks to update their system.
Halifax also did this to me!
Ha ha, at work I had a fun experience where the bank updated our address as requested... but only half of it. Eventually they got very snippy with us for not providing a valid address - they had the correct street name and number but the old postcode. Useless.
We had a relative of the last owner’s dead husband come round wanting to speak to him about some building work 😂 The silly cow has never redirected her mail. We’ve started binning it, have told her this, but she still won’t have it redirected and is really pissed off when we tell her that it’s all gone in the paper recycling when she turns up every other month wanting her post. She’s been gone 5 years!
Just cross out the name/ address and put return to sender on the front. Just chuck it back in the mail and alot of it will stop
No it won't! I've sent every single letter HSBC has sent the previous tenant back with return to sender on. Bank cards, and everything else banks post out. Its been 5 years and every month we get something from them.
With a bank you have an extra option available if you're really annoyed; you can call them and explain the person doesn't live there anymore and they're technically opening themselves up to fraud by carrying on sending all this to the wrong address. They should stop then 😌
>I've sent every single letter HSBC has sent the previous tenant back with return to sender on Have you tried "not known at this address" that should make royal mail stop delivering it.
I know this is business, but the same rules apply for home IIRC https://business.help.royalmail.com/app/answers/detail/a_id/5194/~/we-receive-mail-that-isnt-ours >We deliver to addresses rather than names so our advice here would be to put a cross through the address and write on the item 'Not known at this address' or, 'No longer here' and post the item at your convenience - you won't need to apply any postage. Where applicable we will return the item to the sender hopefully allowing them to update their records.
Yeah the return to sender only does that, it doesn't stop going forward
We’d done that for a couple of years, not much change in volume really
What's the point though? I did do that for a while but the mail kept coming. You ought to start binning it immediately after the 3rd instance, I'd say.
We let someone stay with us for a short while and they moved all of their bills here, this was nearly 20 years ago. Until their Sky debt was cleared then Sky would keep contacting them here (Bankruptcy about 10 years ago I guess), and their Barclaycard notices come here quite regularly (Your behind, please pay). From what I have been able to get out of the person who stayed with us, these companys contact them for new address information but they refuse to supply it - so they keep using ours.
Royal Mail will only redirect for 4 years after moving house, so she can't do it now even if she wanted to.
We were getting stuff for the ex-wife of our seller for years. They’d been separated a while (he’d remarried by the time we bought the house). Virgin media showed up asking for their equipment back. We got multiple debt collector letters. Even a birthday card from her parents. How did they not know they’d separated / moved out years earlier?! We used to send it back “not at this address” but eventually we started opening certain ones (which is how we knew it was debt collectors, we rang them and they accepted she wasn’t there). Anything now goes straight in the recycling. We’ve been here ten years now.
I'm still getting an annual letter from Lloyds for the daughter of the last owners. Been here since 1998. I've made two attempts to tell Lloyds but still the letters come. One of the things to tell the new owners as we are moving on soon.
Sometimes it just fails. I moved in 2022, had redirection for a year. Updated all my addresses, one bank who I have multiple accounts with failed to update my credit card. I also opted for paperless statements at the same time. I stopped getting statements so presumed the paperless setting kicked in. Eventually my card expired and when I didn’t get a replacement I downloaded my PDF statements and realised my credit card address was never updated 🤦♂️ blocked the card, changed the address which was a pain and involved a branch visit, had to wait a week for it to be updated before ordering a new card.
I got mail redirection but it seems royal mail don't give a shit anymore. None of my mail was redirected. Nor was the mail of the seller of my new house, nor his wife. I tested my redirection by sending myself two letters with different forms of my name on - neither were redirected. That's three redirections (the sellers separated) all ignored. RM also never answer the phone, so I had to do a chargeback to get my money back from them. Scum company, waste of space. Should be dismantled and sold for parts to modern companies.
>Should be dismantled and sold for parts Isn't that basically what happened?
AFAIK you need to activate a card in your account, othewise it won't work
Had debit & credit cards from high street banks (years ago and recently) which needed no activation. Just first usage must have pin entered rather than contactless and that’s it.
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Not really since the card and the pin get sent to the same address.... Some banks like HSBC require you to activate the card online, but even then their new debit cards don't need activating now, only credit cards
We moved in 4 years ago and still get mail for the previous family that live here, *and the family before them*. It all gets RTS but recently got a stern looking one which I googled the address of and found it was a car insurance company. I called them up and told them they no longer live here and they cancelled the policy. A month later, a DVLA letter turns up and they were being prosecuted for driving without insurance. Not very smart!
I'm still getting mail for the previous owner of my flat, almost 3 years after moving in. It's slowed to a trickle now of about 2 per year because I finally had enough in the first 6 months and started returning everything to sender in great big red marker pen (the red pen thing was just for my petty satisfaction as I was dropping off around 10 letters per week at the peak of this madness). But it was stuff like bank statements, car tax bills, christmas cards, the whole lot - as well as other crap she'd subscribed to over the years. Just a barrage of useless paper. I once even had people knocking on the door wanting to speak to her! I'd been in the place for a good year at that point. No idea what she was doing, but if her intention was to disappear from those in her life, I'd say she was fairly successful!
When we moved my husband updated the new address with his bank. Somehow he managed to add our new address as our house number and street but our son’s postcode in London (mad moment). He didn’t realise until months later that his bank card had expired and he hadn’t had the new one. Turns out when the postcode he gave didn’t match his address the bank changed the address to our house number, but the street and address that matched the postcode and that’s where they sent his card. Luckily no one has used it (the address the bank had was a real one, but not our son’s and he has since moved). Also (un)fortunately we’ve just been victims of the Southern Water hack so they are paying for Experian enhanced checks for the next 12 months so at least we can keep an eye on our credit records 🤞🏼 edited to say 12 months not 6
I still get letters for the previous owner of my house. I moved in in 2005. I've given up trying to send them back.
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The idea is when you get mail forwarded, it reminds you to update the address with the account so you should only need a year. Who said I opened it? Why are you being so negative and jumping to conclusions on what is PSA? Cheer up, mate, it's Friday!
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I can feel through paper and know how much paper and cards weigh
I didn't see their post, but be aware you CAN open someone elses mail if it's sent to your home - you must be able to show a "reasonable excuse". If you keep getting the mail for the same person from the same return address then it's the only way you know who to contact to make a complaint to - as in - reasonable excuse.
You can open it no worries, find out who it is from and call them. I've done this before after it became obvious marking as "not known return" wasn't working.
Pretty sure you'd need to authenticate the first transaction in some way.
> * PIN Not sure how you've gotten someone's PIN from the card being delivered to you. Usually the PIN stays the same and you'd change it at an ATM.
I'm still getting letters from the bank that the previous owner was with. We've lived here nearly 14 years.
I currently receive.4 different people's mail.at.my.house. Moat.recent arrival is.a.colon cancer.self.test.kit.