legal action notice-no name

suave.4u

Hi,

I am staying on rent at a place for the last 1 year.
Sometime back I got a letter addressed to no-one, just the house address was written. It was about a o2 bill of 330Euros not paid.
I usually leave such letters on top of the letter box so that previous tenants may take it.
Now it looks like the bill is not yet paid and frequent letters are coming in threatening legal action and credit rating being affected.
Because it is not addressed to anyone, I am worried this might have an impact on my credit rating (The address is the same -I am having a mortgage proposal process presently).
Should I call the agency and tell them or just ignore such letters?

Regards,

Paulw

If the letter is not addressed to you, then legally you shouldn't be opening them.

Was the O2 bill yours? Clearly not, from your post, so the debt is not yours. Ignore the letters, as they are not for you.

KeithTS

Have you considered speaking with O2?
If it's a bill it'll have account information on it and the billing period etc.

I would imagine that it's not a complicated task for them to figure out who the correct recipient should be and for you to show that you were not the resident at that address atthe time the unpaid bill was racked up?

suave.4u

Paulw wrote: »

If the letter is not addressed to you, then legally you shouldn't be opening them.

Was the O2 bill yours? Clearly not, from your post, so the debt is not yours. Ignore the letters, as they are not for you.

The letters are not addressed to anyone; it just has the address of the house, thats all.
I am the person renting the place, so if there are letters with no addresse, I thought I would be the right person to open them.
I do not have an o2 account; I am just worried that cause the letter is not addressed to anyone, they have a note of the address and in future my credit rating is affected. There is a number of the solicitor to call on the letter, but should I be getting into this mess?

Paulw

suave.4u wrote: »

I do not have an o2 account

If you don't have an O2 account, and haven't had an account, then O2 or whoever are chancing their arm. The bill isn't yours. The debt isn't yours. Someone else's debt can't affect your credit rating.

suave.4u

Paulw wrote: »

If you don't have an O2 account, and haven't had an account, then O2 or whoever are chancing their arm. The bill isn't yours. The debt isn't yours. Someone else's debt can't affect your credit rating.

Thx man; I don't understand how they can send a letter to just an address without any person's name on it. How are they planning to recover anything like this?

seamus

suave.4u wrote: »

Thx man; I don't understand how they can send a letter to just an address without any person's name on it. How are they planning to recover anything like this?

The process would be automated. So nobody is really looking at the address, it's just going out in a batch. Why there's no name on it, who knows? Perhaps the person put the first line of their address in the "name" field.
As the resident of the property, you are entitled to open anything addressed to that property without a name, so you could always open it up and see if there's a name inside it or anything.

You could also choose to contact O2 and tell them that whoever they were looking for has gone away.

If you write, "Return to sender, unknown at this address", on the front of the letter and put it back in a postbox, it should make its way back to O2, who should then mark the account as gone away.

Opening up the letter and/or contacting O2 cannot in any way make you legally liable for the bill.

suave.4u

It was actually the landlord who did not pay up. issue solved now; thanks guys..